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Ready to move into a debt-free future? At Salt & Lime, we are excited to help hundreds of Australian locals consolidate high-interest debts every single day. If you’re looking to combine medical bills, payday loans, and other personal debts into one convenient monthly payment, our debt consolidation loans may be right for you!


Explore the application process for debt consolidation loans at Salt & Lime, and start forging a path toward a life you’ll love.

Already know what you're looking for, and keen to see a short 3-step application summary? Click here!

How to consolidate debt in Australia under any circumstance

Managing debts on your own can feel stressful and isolating. If you have a less than perfect credit score at the time of your debts, you may feel crushed by higher than average interest rates, large bills, and expensive account fees. But you’re not alone — thousands of Australian citizens are turning to debt consolidation to effectively reduce and even eliminate unnecessary interest payments.


Debt consolidation loans work by offering a lump sum loan at a fixed interest rate to pay off other lenders. Borrowers make just one repayment per month to the lender, and avoid high-cost fees and personal debts that would only exacerbate the issue.


At Salt & Lime, we believe that lending opportunities shouldn’t hinge on past mistakes, accidents, or tough times. Borrowers are welcome to apply for our debt consolidation loans and reap the benefits that come with them. Rebuild your confidence over time with easy monthly payments, and watch your credit score soar to new heights.


For additional information about how to consolidate debt with bad credit, please get in touch with Salt & Lime.

How do I consolidate my debt using consolidation loans?

The debt cycle may feel like a never-ending circle of frustration, fear, and anxiety. Different lenders and monthly bills can be extremely stressful to manage, and with costly interest rates and frustrating secondary fees, climbing out of debt can seem harder than ever.


Debt consolidation loans help to alleviate these mounting pressures, rolling all your outstanding debts into a single monthly payment. Lower interest rates reduce the total amount spent per month, allowing you to catch up on bills and regain control of your expenses.


With debt consolidation loans from Salt & Lime, users have the opportunity to reduce their interest rates even further with quarterly financial wellness quizzes. Start paying off your highest cost debts today, all under one manageable interest rate.

How to know if you’re ready to apply for debt consolidation loans

Debt consolidation loans are a great way to reduce expenses while building a debt- free future. However, it’s always a good idea to gauge your eligibility before applying for a loan of any kind.


You may be a great candidate for a debt consolidation loan if:


  • You know you’ll remain employed during the life of your loan

  • You can reduce your total interest payments with a new loan

  • Your budget can adapt to a term length of 5 years or less

  • You’re ready to say goodbye to lingering personal debts

For more questions and comments regarding debt consolidation loan eligibility, please get in touch with our local experts.

How to apply for a loan from Salt & Lime

Salt & Lime makes it easy to apply for a debt consolidation loan within your price range. Use our 100% online application form, and you’ll get a response within one business day, and choose a dollar amount between $4,000 and $20,000. Never spend a penny more than you need — our loans carry no hidden charges or fine-print fees!


The three-step process for applying to Salt & Lime’s debt consolidation loans, includes:


  1. Application — Navigate to our online application form. Here, you can begin filling out all your personal details, including your income, expenses, and current personal debts. You may need some additional documentation to complete this process, including a driver’s licence, medicare, or passport ID. Once this is completed, just press ‘submit.’

  2. Submission — After your application form has been sent in, Salt & Lime will begin the process of verifying your income. Two factor verification will be sent via email and SMS message that allows you to securely log into your primary bank account. This allows our team to verify your income within 24 hours and get back to you as soon as possible.

  3. Action  — You will promptly hear back about the status of your debt consolidation application, and be informed about your total borrowing capacity. Cash funds will be deposited to your account within one business day, so you can start paying off other lenders as soon as possible.


With zero fees and no hidden charges, debt consolidation loans from Salt & Lime are some of the best in the business. 


Get started on a free online application in minutes to get pre-approval almost immediately. If you have any questions, feel free to write to us today to inquire about solutions for your circumstances.

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