Debt Consolidation

We’ll assess your income and expenses and offer a maximum lend based on what’s affordable — not the highest possible amount. You’re free to borrow less if you choose.

Our goal is to match you with a loan that fits comfortably within your budget, with repayments you can manage long term.

Rates vary by lender and your financial profile. We search our panel to find the lowest rate available for your personalised situation.

Our loans are fixed for the full term, and most lenders allow early repayment without penalty. All rates, fees and repayments are fully disclosed before you accept any offer.

Most lenders release funds during normal business hours, with money typically available in your account within a few hours of disbursement.

Timing can vary depending on your bank and the lender’s cut-off times.

Most of our loans are unsecured, meaning you don’t normally need to use your car or home as security. Approval is based on affordability and your financial situation.

With some lenders, if you own or are purchasing an asset valued at $10,000 or more (such as a vehicle), the loan may qualify as secured — even if you borrow more than the asset value. Secured loans can attract a lower interest rate.

Many customers use a single loan to buy a used car and clear other bills at the same time, combining everything into one manageable repayment.

Longer terms reduce your regular repayments but increase the total interest paid. Shorter terms cost less overall but have higher repayments.

You’re free to make lump sum payments or repay early, and most lenders don’t charge early repayment fees.

When reviewing approvals, your adviser will work with you to choose a term and repayment level that fits your budget.