Fast Debt Consolidation loan
Consolidate Debts Fast — Apply in Minutes
Beating the banks on rates, speed and service.
Instant Cash Boost! Up to $100K at Lightning Speed.
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What we offer
Loan amount
$10,000 - $1,000,000
Interest rate from²
5.95% p.a.
Comparison rate from³
6.15% p.a.
Establishment fee⁴
$275 or $575
Repayment frequency
Weekly, fortnightly, or monthly
Early repayment fee
$0
Loan terms¹
3, 5, 7 or more years
Rate type
Fixed rate
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured & Secured
Flexible Repayment Freedom
Decide how much you want to borrow and pay back over a time that you choose. We never charge monthly or early repayment fees.
How to apply
01
Get to know you
Tell us about the Debt Consolidation loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Debt Consolidation Loans Made Simple — One Easy Payment, More Control
Simplify your finances and take charge of your debt with a Debt Consolidation Loan designed for Australians.
Whether you have multiple credit cards, personal loans, or other repayments, we help you combine them into one manageable payment — making life easier and helping you focus on what matters.
We offer loan amounts from $10,000 up to $1,000,000, flexible repayment options, and solutions for all credit backgrounds — from good to bad.
Why Choose Our Debt Consolidation Loan
- ✅ For All Credit Histories — We consider applications from customers with good, fair, or bad credit.
- ✅ Combine Multiple Debts — Pay off credit cards, personal loans, or other outstanding balances with one simple loan.
- ✅ Low, Competitive Rates — Access affordable repayment options tailored to your situation.
- ✅ No Hidden Fees — Transparent terms, no surprise charges, and no early repayment penalties.
- ✅ Fast Approvals & Easy Online Process — Apply in minutes and get a quick decision.
How a Debt Consolidation Loan Helps You
A Debt Consolidation Loan allows you to:
- Combine multiple debts into one simple monthly payment
- Potentially lower your overall interest rate
- Improve cash flow and financial control
- Reduce stress by managing only one lender and one repayment date
It’s a practical step toward better financial balance and peace of mind.
Who Can Apply
You can apply if you:
- Live in Australia
- Are over 18 years of age
- Have a regular income or business revenue
- Have any credit history (good, average, or bad credit)
We look beyond credit scores to understand your financial potential.
Loan Features
- Borrow $10,000 to $1,000,000
- Flexible repayment schedules
- Quick application and fast decisions
- Unsecured options available
- No monthly or early repayment fees
How It Works
- Apply Online – Complete our quick online application form.
- Assessment – We review your situation and tailor the loan to fit your needs.
- Consolidate & Simplify – Once approved, use the funds to pay off existing debts and enjoy one clear repayment plan.
Start Your Journey to Financial Freedom
Managing multiple debts doesn’t have to be stressful.
With our Debt Consolidation Loan, you can simplify payments, reduce financial pressure, and take control of your finances again.
Apply Online Now — Fast approvals. No hidden fees. All credit backgrounds welcome.
Get a quick estimate
Loan Calculator
Estimated Monthly Repayment
Total Payment: $0
Total Interest: $0
Ready to apply?
Click the button below to apply for a loan.
What our customers say
FAQs
What is a debt consolidation loan?
A debt consolidation loan allows you to combine multiple debts — such as credit card balances or personal loans — into a single loan with one easy repayment.
Can I apply if I have bad credit?
Yes. We offer debt consolidation loans for all credit histories, including customers with past credit challenges.
What debts can I consolidate?
You can use the loan to pay off credit cards, store cards, personal loans, or other unsecured debts.
How fast can I get approved?
Our application process is quick and simple. Once approved, funds can be transferred promptly to help you clear your debts faster.
Is this a secured or unsecured loan?
We offer both secured and unsecured debt consolidation loans, depending on your preference and loan amount.
Can I apply if I’ve been declined elsewhere?
Yes. Even if other lenders have said no, we may still be able to help. We assess every application individually and often assist borrowers who’ve been declined by traditional banks.
Do you offer fixed and variable rate options?
You can choose between fixed-rate loans (for repayment stability) or variable-rate loans (for flexibility and potential savings when rates drop).