Personal finance
One repayment instead of five
Explore whether consolidating eligible debts into one repayment may make your finances easier to manage. We will show you the numbers honestly — including where consolidating may not be the right move.
Straight numbers
We compare your current commitments against an indicative consolidated repayment so the trade-offs are visible.
Longer term, more interest
Stretching a debt over a longer term can lower the monthly repayment while increasing total interest paid. We say so.
Eligibility first
Not every debt can be consolidated. We check what is workable before you apply anywhere.
What we can finance
Debt Consolidation — the detail
A broad view of what fits under this category. If what you're buying isn't listed, ask us anyway — unusual assets are our favourite kind of problem.
Debts commonly consolidated
- Credit cards
- Personal loans
- Buy Now Pay Later facilities
- Multiple smaller debts
- Existing personal loan refinance
What lenders look at
- Income and employment stability
- Living expenses
- Repayment history
- Total credit commitments
- Credit file information
Consolidating debt may reduce or increase the total interest and fees paid depending on the interest rate, fees and loan term. Estimates are illustrative only and do not represent an offer of credit.
Run the numbers
See what it looks like before you commit
Estimates only — but a good place to start a real conversation.
Your current debts
Starting at 7.99% p.a. — adjust to reflect the rate you have been quoted.
Total existing debt
$21,700
Current monthly repayments
$860
Indicative consolidated repayment
$439.89
One repayment over 60 months at 7.99% p.a.
Estimated change in monthly repayments
-$420
Lower monthly commitment — but check the total interest over the full term.
Consolidating debt may reduce or increase the total interest and fees paid depending on the interest rate, fees and loan term. Estimates are illustrative only and do not represent an offer of credit.
Start here
Model my consolidation
Two short steps and a real specialist picks it up — usually the same business day.
Not sure which option fits?
Tell us what you're buying and we'll tell you honestly where you stand — before you sign anything.