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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 

Great Rates

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

zero Fees

No establishment fees

No settlement fees

No monthly fees

No break costs

no penalties

Want to pay back your loan early? No problem - and no penalties

Who can apply?

-  You're over 18 years of age

​-  You have regular income for at least three months and can provide payslips

-  You're an Australian Citizen or Permanent resident

-  You're contactable via phone and email 

-  You have online banking set up

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loan type

One simple loan, easy and transparent


  • Loans of $4,000 - $20,000

  • Secured

  • 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*

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

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.


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

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