Several repayments? Look at the whole picture.
Combining debts can make repayments easier to manage. It’s worth checking whether it actually puts you in a better position.
- Bring your balances and repayments
- The total cost compared honestly
- Free support options shown too
Rather talk? Call 0434 293 892
Check my options
Five quick questions, then your details. This form doesn’t run a credit check.
Fewer repayments. Still a loan to repay.
A consolidation loan replaces eligible debts. Compare the total cost and the new term before deciding.
- Credit card
- Personal loan
- Other eligible debt
One new loan
The details. In plain English.
One repayment is only one part.
A consolidation loan may bring eligible debts together. Compare the new costs, term and total repayment with keeping the existing loans.
Watch the longer term.
Lower regular repayments can come from paying over more years. That may cost more overall, even if the new rate is lower.
Already struggling with repayments?
Speak with your current lenders about hardship support. Free, confidential financial counselling is available through the National Debt Helpline. Taking another loan may not be the right next step.
Worth knowing. Before you start.
Can’t see your question? Call the team on 0434 293 892.
Which debts can be included?
It depends on the lender and your circumstances. Have the balances, repayments, rates and any payout fees ready.
Does consolidation remove the debt?
No. It replaces eligible existing debts with a new loan. The new balance still needs to be repaid.
You pick the dream. We do the rest.
Five quick questions. Then a real conversation with the team, and the costs explained before you decide anything.