Simplify your repayments
Bring your repayments together and simplify your finances
Simplify multiple repayments into one manageable loan, often reducing the overall interest you pay.
One repayment, a clearer path forward
Consolidation isn't a silver bullet - it's a tool. Used well, it lowers stress and often the total cost. We'll help you use it well.
One payment, one date
Swap the juggling act for a single repayment that comes out when you're paid. Easier to track, harder to miss.
Often a lower total cost
Credit cards and store cards routinely charge well above personal-loan rates. Rolling them into one loan can cut the interest you're bleeding each month.
A finish line you can see
Revolving debts can drift on for years. A fixed-term loan gives you an actual payoff date to work toward.
Protects your credit file
Fewer accounts to keep current means fewer chances of a missed payment - and one enquiry through us beats a scattergun of direct applications.
Budget-first structuring
We size the repayment around your real budget - week by week or fortnight by fortnight - so the plan survives contact with real life.
Straight answers
If consolidating would cost you more than it saves, we'll say so. A quick no is worth more than a bad loan.
What can you consolidate?
Debt consolidation can bring together a range of existing commitments, such as:
- Credit card balances
- Personal loans
- Store and interest-free cards
- Vehicle finance
- Buy-now-pay-later balances
- Payday and short-term loans
- Overdrafts
- Multiple smaller debts
We'll review your commitments and help you understand whether consolidating is the right move.
How debt consolidation works
A single new loan pays off your existing debts, leaving you with one balance, one interest rate and one regular repayment.
Whether it saves money hinges on the numbers: the rates you're paying now versus the new rate, plus any fees to exit old loans or set up the new one. Stretching the term drops the weekly repayment but can push the total interest up - a trade-off worth understanding before you choose.
We'll do that comparison with you, line by line, so the decision is made on real figures rather than a feeling.
Our application process
Four straightforward steps from first enquiry to funds in hand.
Frequently asked questions
The things people most often ask about debt consolidation.
What is debt consolidation?
It's replacing several debts with one loan. The new loan pays the old balances off in full, and from then on you make a single regular repayment - often at a lower overall rate than the debts it replaced.
Will consolidating actually save me money?
It depends what you're consolidating. High-rate debts like credit cards and payday loans usually make the maths work; a low-rate loan already on good terms might not. We'll run your real numbers and show you the answer either way.
Should I just apply to a few lenders and see who says yes?
We'd advise against it. Each direct application typically adds a hard enquiry to your credit file, and several in quick succession can read as financial stress - lowering your chances everywhere. One enquiry through us reaches the panel without that damage.
Can consolidating help my credit score over time?
It can, indirectly. One manageable repayment is easier to keep spotless than five scattered ones, and a clean payment history is the biggest driver of your score. The loan itself isn't magic - the consistency it enables is.
Can I consolidate with bad credit?
It may still be possible - and if repayments are eating you alive, it's exactly when restructuring helps most. We'll assess your full situation and approach the lenders most open to it.
What do I need to apply?
Photo ID, proof of income, your last 90 days of bank statements, and statements for each debt you want to clear so we can verify balances and payout figures. We'll walk you through gathering it all.
Finance options built around you
Not quite what you're after? Every option below comes with the same simple application and the same team behind it.
- Car loansFast approvals for new or used vehicles. We negotiate with our lender panel to find the structure that fits your cash flow.
- Personal loansFunding for renovations, weddings or unexpected expenses - with transparent terms and no surprises.
- Commercial fleetAsset finance structured around your business cash flow and tax efficiency.
- Marine & RVSpecialist funding for the lifestyle assets that make the weekends count.
- InsuranceProtection for your vehicle, your finance and the road ahead. Explore insurance options for private and commercial vehicles, mechanical breakdowns and more.
Ready to talk debt consolidation?
Apply online today or speak with our team - send us a few details and we'll come back with options that fit your budget, usually within one business day.