You're not alone in this

Feeling overwhelmed by multiple repayments? There's a calmer path forward.

Thousands of Australians are juggling credit cards, personal loans, and buy-now-pay-later all at once. We help you combine everything into one manageable monthly repayment — and connect you with a specialist who genuinely understands your situation.

No credit check just to enquire — zero impact on your score
A real person calls you back within 2 hours — no bots
Completely free service, no hidden fees ever
All credit situations considered — bad credit welcome

Lenders we work with include: Personal loan lenders Asset finance Debt specialists

See what you could save

Enter your debts below for an instant estimate

Credit card debt ($)

Personal loan balance ($)

BNPL / other debts ($)

Preferred term (years)

Total debt $15,000

Estimated current payments $612/mo

One consolidated payment $468/mo

Potential monthly relief +$144/mo

Estimate only. Rates vary based on your credit profile.
A specialist will give you exact figures at no cost.

We understand

You might be thinking...

These are the most common things people tell us when they first reach out. Whatever you're feeling — it's okay.

"I don't even know how much I owe anymore"

That's completely okay. Our specialists help you map everything out from the very beginning — without any judgement. That's exactly what the first call is for.

"I'm worried my credit score is too low"

We work with lenders who consider all credit situations, including imperfect histories. A low score doesn't mean no options — it means we work harder to find the right one.

"I've tried before and been knocked back"

A no from one lender doesn't mean a no from all. Our partner has access to a wide panel of lenders with different criteria — many of our clients had been rejected elsewhere first.

How it works

Three simple steps to one payment

We make the process as easy as possible. You don't need to have everything figured out before you reach out — that's what the first call is for.

Tell us what you owe

Fill in a short form — takes about 60 seconds. No credit check at this stage, no commitment, no pressure.

A specialist calls you

A real lending specialist will call you within 2 hours. They'll take the time to understand your full situation and find the right option — not just the fastest one.

One payment, less stress

If approved, your existing debts are paid out and you make a single monthly repayment going forward. Simpler, calmer, more manageable.

What we consolidate

We handle all types of debt

From credit cards to car loans — if you owe it, we can almost certainly help you consolidate it into one simple payment.

Credit cards

Multiple cards at high interest rates combined into one fixed repayment

Personal loans

Existing personal loans at high rates rolled into a single consolidated loan

Car & vehicle loans

Auto, motorbike, caravan and trailer finance included in consolidation

Buy now pay later

Afterpay, Zip, Humm, Klarna and other BNPL balances consolidated

Home improvement debt

Renovation finance and home improvement loans rolled in

Medical & other bills

Medical, dental, cosmetic and other personal debt included

Free, no-obligation enquiry

Get your consolidation quote

No judgement, no pressure. Just a friendly specialist who will help you understand your options — even if consolidation turns out not to be right for you.

A lending specialist will personally review your enquiry and call you within 2 hours. This is not an automated system — you will speak with a real person.

First name *

Last name *

Mobile number *

Email address *

Approximate total debt

Employment status

What would you like help consolidating?

Thank you — we'll be in touch shortly!

A specialist from our lending partner will call you within 2 hours on the number you provided. In the meantime, feel free to use the calculator above to explore your options.

By submitting, you agree to be contacted by our lending partner LendConnect Pty Ltd (ACL XXXXXX). Your information is handled in accordance with our Privacy Policy. No credit check is performed at this stage. Credit is subject to lender approval and eligibility criteria.

Common questions

Things people ask us

No. Simply enquiring with us does not trigger a credit check. A credit check only happens if you choose to proceed with a formal loan application through our lending partner — and only ever with your full knowledge and permission.

Absolutely, yes. Our lending partner works with a broad panel of lenders, including those who specifically help people with imperfect credit histories. It costs nothing to find out what's possible — and you might be surprised.

Consolidation loans typically range from $3,000 to $50,000 depending on your income, expenses, and credit profile. A specialist will give you a realistic picture within hours of your enquiry — at no cost and no obligation.

None at all. This is a completely free referral service. Our lending partner pays a referral fee — you pay absolutely nothing to enquire, speak with a specialist, or explore your options.

That's exactly why we encourage you to talk to a specialist first rather than jumping into anything. They'll look at your full situation and give you honest advice — even if consolidation isn't the best path, they'll tell you that and suggest what might work better.

From enquiry to approval can be as fast as 24–48 hours for straightforward applications. The first call is usually 15–20 minutes, and the specialist will guide you through everything step by step. There's no pressure to rush.