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Quick and easy online application
Same day funding**
One manageable repayment 
​No fees
Pay your loan off sooner by earning interest rate discounts 



Worry-free Repayments



Transparent rates that will help you consolidate your debt into one easy repayment

We can collect loan repayments direct from your employer each pay cycle

We charge no fees, helping you to get ahead, and pay your loan back faster



Want to pay back your loan early? No problem, and no penalty payment

how to apply

Once approved, you could have your funds within 24 hours

Just 3 steps with our simple online application

step 1

check your 


step 2



step 3

we'll contact you

When you submit online, we'll be in touch to proceed, keeping you updated as your application progresses


are you eligible?

You're over 18 years of age
You have online banking set up
You're contactable via phone and email
​You're an Australian Citizen or Permanent Resident
You have regular income for at least 3 months and can provide pay slips
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debt consolidation loan

One simple loan: easy and transparent


Loans of $4,000 - $20,000


1-5 year loan term 

One simple repayment

Competitive interest rates from 17% (APR 17%)*

Earn interest rate discounts as you go 

Same day funding**

Complete 8 quarterly financial education modules to receive interest rate discounts on your loan, helping you to pay your loan off faster

Please click here for more information on our Financial Wellbeing Modules

Receive $100 off your loan when you refer a friend and their loan is approved, no limits on the number of referrals

Please click here for more information on our Refer A Friend offer

*APR is the annual percentage rate inclusive of fees and charges 
**Same day funding can occur when all requested documents are submitted and received on the same business day as requested


What is a Debt Consolidation Loan?

Debt consolidation loans are essentially loans to pay off debt. This is achieved by bringing all of your loans into one manageable repayment, effectively closing out all of your existing loans and starting afresh with one payment schedule. Consolidation loans for bad credit allow you the opportunity to take control of your finances and improve your credit rating for a stronger financial future.


What are some types of loans that typically require consolidation?

Debt consolidation of bad credit loans can be required for many reasons. You may have fallen into the trap of juggling two or more credit cards while trying to avoid the high interest rates these types of loans can incur. It is a common misconception that taking yet another credit card to cover existing ones will keep you afloat. A credit card...

what is debt consolidation?
should I consolidate my debt?