Store cards, loans, credit card debt, hire purchases, buy now-pay later and an overdraft piling up on you?

It might be time for a debt consolidation loan. Debt consolidation loans are designed to simplify your borrowing and repayments into one fixed interest rate loan.

Putting your debts together into one personal loan with one repayment to manage so you can get ahead sooner. No stress.

Get an Instant Finance debt consolidation loan and find relief from bad credit and multiple debts.

Have a play with our loan calculator or talk to our helpful team to find out more about our debt consolidation options and see the estimated repayment for a specific loan term.

You can continue an application you started previously.

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Loan Calculator

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Fortnightly
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Includes Establishment fee from $100 to $260 depending on amount of new money borrowed and Administration fee of $3 per instalment. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 13.95% to 29.95%. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees
Loan Calculator

How much would you like to borrow?

Monthly
$
Fortnightly
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Weekly
$

Total repayable based on weekly instalments. $

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Includes Establishment fee from $100 to $260 depending on amount of new money borrowed and Administration fee of $3 per instalment. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 13.95% to 29.95%. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees

Concerned a bad credit score or past finance may affect you when applying for debt consolidation loans?

We know that things don't always go to plan, but we're here to help. As a responsible lender, we listen to your unique loan circumstances and can make lending decisions that are both responsible AND fair for you. Find out more about getting debt consolidation loans for bad credit here.

Our knowledgeable and friendly staff are here to help too and will take the time to understand your current financial situation. Based on your past credit history our team can establish whether debt consolidation loans are the best option for you and even help you plan a household budget to make sure you stay on top of your loan repayments.