Roll your credit cards, personal loans and other debts into a single loan from $10,000 to $1,000,000 — with rates from 5.95% p.a.2 and solutions for good, average and bad credit.
Estimate only — not a quote or offer of credit. Based on principal-and-interest repayments at the selected rate, excluding fees. Your actual rate depends on assessment. Credit-card comparison uses the RBA average card rate of 18.58% p.a. (Dec 2025).
Get my rate →Transparent terms with no monthly account fees and no early repayment penalties.
We consider applications from customers with good, fair or bad credit — we look beyond the score to understand your situation.
Pay out credit cards, personal loans, car loans or BNPL balances with one simple loan and one repayment date.
The average Australian credit card charges around 18.58% p.a. Consolidating at a lower rate can cut the interest you pay.
Transparent terms, no surprise charges, no monthly account fees and no early repayment penalties.
Apply in minutes from your phone and receive a quick decision — most applicants hear back the same day.
Choose weekly, fortnightly or monthly repayments over 3, 5, 7 or more years — whatever fits your pay cycle.
Complete our quick application form — it takes just a few minutes and won't lock you into anything.
We review your situation and tailor a loan to fit your needs, with a rate based on your circumstances.
Once approved, use the funds to pay out your existing debts and enjoy one clear repayment plan.
Managing multiple debts doesn't have to be stressful. Tell us your situation and we'll assess what's possible — enquiring takes minutes.
Check my options →It's a single loan used to pay out multiple existing debts — credit cards, personal loans, car loans or BNPL balances — so you have one lender, one interest rate and one repayment date.
Yes. We consider applications from customers with good, average or bad credit. Every application is assessed individually, and the rate offered depends on your circumstances.
From $10,000 up to $1,000,000, subject to assessment. Both secured and unsecured options are available.
No. There are no monthly account fees and no early repayment fees, so you can pay your loan out sooner without penalty. An establishment fee of $275 or $575 applies.4
The online application takes a few minutes and most applicants receive a fast decision. Funding times vary depending on your bank and how quickly supporting documents are provided.
Submitting this enquiry form does not involve a credit check. If you proceed to a full application, a credit check will be carried out with your consent.
Fast decisions. No hidden fees. All credit backgrounds welcome.
Thanks — we'll review your details and be in touch shortly with your options.