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1 Loan. 1 Repayment. A Smart Way to Take Control of Your Debts.

Simplify your finances with a debt consolidation loan. Apply online and access lenders offering flexible terms and no early payout fees.

$5,000
$2,500 $100,000

Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.

One repayment, fewer fees, a clearer way out of debt

Credit cards, payday loans, BNPL, old personal loans. When you’re juggling several of them, the due dates pile up and the interest quietly eats your budget. Our brokers can arrange a debt consolidation loan that rolls them into one repayment with a clear end date, so you know exactly what you owe and when you’ll be done. 

We compare consolidation options across our lender panel and arrange the loan from start to finish. No fees from us, we’re paid by the lender. If you’ve had a few bumps in your credit history, take a look at bad credit debt consolidation loans.

One simple repayment

Combine multiple debts into a single loan repayment with a defined end date.

Borrow $5,000 to $50,000

Sized to your existing debts and what you can comfortably repay.

Consolidate most debt types

Credit cards, payday loans, BNPL, personal loans and overdrafts.

No early payout fees

Pay extra or clear the loan early without penalties.

Flexible repayments

Weekly, fortnightly or monthly to suit your pay cycle.

No broker fees

Our service costs you nothing. We're paid by the lender, not by you.

Ready to apply?

It's fast, free, and won't affect your credit score.

Apply Now

Juggling too many repayments? You can simplify debt and get it back under control.

Payday loans, credit cards, old personal loans - they all add up.

One’s due weekly, one monthly, another fortnightly - and the interest rates? Through the roof. No wonder you feel like you’re just treading water. That’s where debt consolidation loans can help.

Because having multiple debts doesn’t mean you’ve lost control, it just means you need a better plan.

Consolidating your debts into one manageable loan means fewer fees, less confusion, and just one regular repayment. It’s not a magic wand, but it can make life a hell of a lot simpler.

We’ll help you find a debt consolidation loan that fits your income, your lifestyle, and your future goals.

Apply once and we’ll match you with lenders offering debt consolidation loans with fair rates, flexible terms, and no fees for paying out early. Whether you’re consolidating $5,000 or $50,000, we help make the numbers work.No fine print. No judgment. Just a smarter way to consolidate debt with a loan that puts you in the driver’s seat.

You don’t need perfect credit, just a plan.

With the right loan, you can combine your repayments, reduce your interest, and actually start moving forward. And when you’re ready to get ahead, there’s no penalty for paying extra or getting it cleared early.

So you can stop worrying about due dates and start focusing on what’s next.

We help Aussies simplify their debt and take back control, one repayment at a time.

Benefits

  • tick icon Combine multiple debts into one simple repayment
  • tick icon Apply for debt consolidation loans from $5,000 to $50,000
  • tick icon Consolidate credit cards, payday loans, personal loans and more
  • tick icon No early payout or extra repayment fees
  • tick icon Apply online in minutes, with no pressure
  • tick icon Weekly, fortnightly or monthly repayments
  • tick icon Helps reduce overdue fees by keeping everything in one place
  • tick icon Clear repayment structure with a defined end date
  • tick icon Designed to simplify your finances and lower stress

Get Approved in 3 Simple Steps

Apply online

1. Apply online

Find the loan type that fits your needs - then complete our easy online application form to get started.

We match a lender

2. We source a lender

We partner with multiple lenders, giving you access to loan solutions you won’t always find at the big banks.

get loan approved

3. You get approved!

If you’re eligible, loan approval, signing & funding can happen really fast. Some loan types can take a little longer to approve.

Let’s find the right loan for you! It’s fast, free, and won’t affect your credit score.

Apply Now

Eligibility Criteria

Verify Age & Address

You must be 18 or over and able to verify your residentialaddress.

Australian Residency

You must be an Australian citizen, permanent resident, orhold a valid visa.

Verify Your Income

You’ll need to show a regularincome from work, self- employment, or eligibleCentrelink payments.

Banking & Credit History

You’ll need an active bank account and lenders may review your credit history as part of theirassessment.

We follow responsible lending rules under the NCCP, so lenders check that any loan is suitable and affordable for you. We’re also an AFCA member, so you have access to independent dispute resolution if needed. To apply, you’ll usually need to be 18 or over, live in Australia, have an active bank account, and show regular income. Each lender has its own criteria, and final approval depends on their assessment of your circumstances.

Our Lender Panel

Personal Loan Types & Examples

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Small Loans

Loan Amount
$500 - $2,000

Loan Term
3-12 months

Maximum Charges
20% Establishment Fee, 4% Monthly Fee.

Loan Example

A $1,000 over 3 months repayable weekly.
$1,000 (Principal Amount) + $200 (20% Establishment Fee) + $120 (fees based on 4% per month over 12 weeks) = $1,320 total loan repayable that is in 12 weekly instalments of $110.

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Medium Loans

Loan Amount
$2,001 - $5,000

Loan Term
12-24 months

Maximum Charges
Up to 48% interest rate. Establishment Fee $400.

Loan Example

A $3,000 loan over 12 months in 52 weekly payments. $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,339.40 (interest on reducing balance) = $4,339.40 total repayable over 12 months in weekly instalments of $83.45

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Large Loans

Loan Amount
$5,001 - $100,000

Loan Term
12-84 months

Maximum Charges
Up to 48% interest rate.
Fees vary.

Loan Example

$20,000 borrowed over 60 months repayable weekly. $20,000 (Principle Amount) + $4,904.62 (reducing interest) = $24,904.62 total repayable over 60 months in weekly instalments of $95.42. Interest / comparison rate 8.95% PA.

This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower’s credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.

Frequently Asked Questions

Still have questions? We’re here to help. Contact our team anytime.