Apply NowOne loan.
Lower rate.
Clear path forward.
Combine your credit cards, personal loans, and car loans into a single lower-rate loan. We compare 90+ lenders to find the best debt consolidation solution for your situation — free expert advice, no obligation.
Example savings — $30,000 in debts
*Example only. Based on $30,000 credit card debt at 19.99% refinanced to 8.5% personal loan. Actual savings depend on your debts, credit profile, and the rate you qualify for.
†Based on verified Google reviews — see all reviews. *Based on $30K credit card debt consolidated to 8.5%; individual results vary.
*Based on consolidating $30,000 of credit card debt at 19.99% into a personal loan at 8.5%. Actual savings depend on your debt amount, current rates, and the rate you qualify for.
What debts can be consolidated?
Most high-rate unsecured debts can be combined into a single lower-rate loan — saving you money and simplifying your finances.
How debt consolidation works
Four simple steps from assessment to debt-free clarity.
Free consultation
Tell us about your debts — amounts, rates, and types. We assess your situation with no obligation.
Compare options
We compare 90+ lenders to find the best consolidation rate for your credit profile and debt level.
Application & approval
We handle the paperwork. Most straightforward applications receive approval within 48–72 hours.
Debts cleared
Funds are used to pay out your existing debts. You're left with one simple repayment at a lower rate.
Three ways to consolidate your debt
Personal Loan Consolidation
- Fixed rate — predictable repayments
- Clear end date (1–7 years)
- No property security required
- Fast approval — often 24–48 hours
- Higher rate than mortgage consolidation
- Loan amount typically capped at $50,000–$100,000
Home Loan Refinance + Cash Out
- Lowest available rate
- No limit on debt amount (subject to equity)
- Single repayment with offset account
- Can also improve your home loan rate
- Requires home equity (typically 20%+)
- Must set up separate repayment plan
- Extends debt term if not managed carefully
Balance Transfer Card
- 0% interest during promotional period
- No application fee on most cards
- Simple — no new loan required
- Revert rate 19–22% after promo period
- Requires discipline to clear balance in time
- Balance transfer fee (1–3%) applies
Debt consolidation FAQs
Learn more about debt consolidation
Debt Consolidation Loans Australia: Clear Your Debts Faster
Learn how to combine multiple debts into one lower-rate loan, reduce your monthly repayments, and get a clear path to being debt-free.
When Should You Refinance Your Home Loan?
Learn the signs that indicate it might be time to refinance, how much you could save, and the step-by-step process to switch lenders.
How Offset Accounts Can Save You Thousands
Discover how an offset account works and why it could be one of the most powerful tools to reduce your home loan interest.
Get a free debt consolidation assessment
Tell us about your debts and we'll compare 90+ lenders to find the best consolidation solution for your situation. No obligation, no credit check at this stage.