Managing one credit card can be challenging, let alone multiple cards with different rates, limits, interest-free periods, and late fees.
Credit card consolidation simplifies your finances by combining all your credit card debts into one easy-to-manage plan.
This approach eliminates confusion, saves money, and provides a clear pathway to paying off your debt.
By consolidating credit cards, you could benefit from reduced repayments that fit within your budget. Benefit from having extra money in your pocket.
Maintaining only one debt reduces administrative hassle. Your new repayments will be a fixed amount at a frequency that works for you.
Wave goodbye to your creditors as soon as your credit cards are consolidated. Feel at ease knowing they will no longer contact you.
Interest rates, annual charges and other fees could be negotiated or eliminated to reduce your overall debt and help you pay it off faster.
Chloe was a great help. She is so lovely to speak to and explained everything so well.
Best Debt Managment Solution Company Keanue understood my financial situation and was helpful in guiding me to a solution that worked best for me. He communicated clearly and concisely without feeling pressured. Would recommend this company highly
So happy I found this company. I no longer feel the stress I was under. Keanue was understanding and didn’t judge me, made me feel good and positive for the future. Highly recommend. Cheers
Keanue was such an amazing help! He was kind, understanding and made it a seamless process to get some help.
Keanue Vanderheide Was a legend. Explained everything and was easy to talk to. He was very passionate about his work helping others ease some burdens. It was a great experience ☺️
A massive thanks to Keanue Vanderheide absolutely a legend helped me so much and process was super easy so everyone go talk to Keanue you won’t regret it cheers again Keanue
Keanu is very easy to talk too! Has amazing customer service and makes you feel comfortable in any situation. Highly recommend. A++++
Grady was amazing! So thoughtful and understanding with not a single hint of judgement in his voice. I felt safe to express my emotions and like I was finally going to receive the assistance I need to get back on track. THANK YOU!
Chloe was so helpful, patient and knowledgeable. She was so good in explaining everything in a clear manner, and was friendly and provided me the information needed.
Keanu was friendly, patient and explained everything perfectly and gave me the assurance and guidance that I needed. He was a delight to speak to and he helped make a awkward, embarrassing conversation..easy and pleasant
Thank you Keaunu
Keanue was an absolute delight to deal with! I got everything laid out in simple terms and was able to understand a very typical hard finance conversation so easily. He was incredible empathetic and fantastic to talk about my financial situation with. Would highly recommend!
I was able to get the support and help i needed with Pats Guidance. He didn’t judge me and gave me assurance that everything will be okay. Thankyou Pat for your exceptional service.
Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.
Keanue was so great to talk to and nothing but helpful. I’ve struggled trying to get financial help because I was nervous and didn’t want to be judged. Keanue was so understanding, judgement free and wanted nothing more than to help me however he could.
Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃
Pat was so caring and empathic and gave me clear guidance on my best options!
Pat was very helpful and easy to converse with. Thanks Pat!
Pat was absolutely amazing ! Such an incredible help he has shown !
This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!
Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service
I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat
Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!
Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.
Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.
Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.
Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.
Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!
Chloe was great! Great service and very friendly. Glad to find a solution
A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks
Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.
Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂
Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service 🙂
Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.
Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.
Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend
Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.
She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!
“Hakuna Matata – it means no worries for the rest of your debts”
Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.
Talk to one of their consultants today.
Would recommend. Excellent customer service. Willing to help anyone !!
This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!
Pat was very help full very go at helping ne each step very easy to talk to he dose a great job
First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.
It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.
Very informative and supportive, very easy and polite to talk to 🙂
I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.
It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.
Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.
Was very helpful, and helped me get everything sorted and was a very nice person to deal with.
Pat helped me so much and I can’t believe how much this is helped me! Thank you so much
Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future
The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone
Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.
Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation
Easy doing application online Verification and approval of application for quite turn around.
I recommended this to anyone because it was so easy going and very easy to use
I found Kayla to be very professional and non judgement to the advise l was asking, she had a lovely approach and manor on the phone. Would highly recommend this company
Kayla has been lovely to deal with. She’s been responsive and helpful, suggesting multiple solutions to help me meet my needs. She has shown empathy and warmth, genuinely caring for her customers and their situation. Thank you Kayla 🙏
I am so happy with the service that was provided to me, me and the customer service officer had a laugh, figured out my finances and I am able to get a new car thanks to her.. I have never ever been so happy in my life
Brilliant.. one of easiest interviews I have done. 👏🏽👏🏽👏🏽👏🏽👏🏽👏🏽 Kristina was funny, engaging but more than anything calm. When dealing with peoples finances which is such a stressful subject she was calm.
Kathleen was very friendly and easy to talk to. She confirmed everything to ensure she had our details correct. She explained our options and answered all the questions we may have.
Very happy overall with our time spent on the phone with Kathleen.
Chloe’s honesty and active listening skills were outstanding. She broke down the options for me and helped me feel at ease throughout this process. Thank you an asset to your team.
Rachel Rogers
Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.
Kathleen was polite and compassionate looking forward to getting back into a better position
Chloe was very understanding and polite with regard to my situation and offered effective strategies to suit my needs moving forward. Excellent customer service and support.
Kathleen was absolutely amazing! Professional, easy, friendly & quick to get results.
Before I made the phone call I was depressed & embarrassed and didn’t know what to do about my stressful financial debt.
I’d spoken to around 4 other loan consolidation companies and they were no help.
I was loosing motivation & very confused but decided to make one last phone call to try and get help to fix my current financial mess.
Thank goodness I called & spoke to Kathleen!
By the end of the call a weight has been lifted off my shoulders and I no longer felt stressed.
I couldn’t believe that I actually felt excited and in control of my finances for the first time in a longtime.
Thank you so much Kathleen & team for helping me.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.
Thank you Kathleen!
Australian Lending Centre is a debt consolidation specialist. We’ve empowered thousands of Australians to achieve financial freedom by lowering their debt repayments and paving the way to a debt-free future.
Credit card consolidation offers a strategic path to financial stability. In addition to lowering stress levels and costs, our simplified repayment process makes paying on time easy. Consistent, timely repayments will likely improve your credit score in the long run.
Exploring credit card debt consolidation with the Australian Lending Centre is a great way to streamline your finances and regain control of your debt.
Apply online in less than 5 minutes. It’s fast & simple.
We don’t perform a credit check and require Minimal documentation.
If you qualify, you can expect a same-day approval!
Pay off Your Credit Cards In Order of Priority
This is an effective strategy for accelerating debt repayment. If you have multiple credit cards or personal loans, focus on paying more towards the debt with the highest interest rate first, followed by the second highest, and so on.
This method helps minimise the total interest paid, enabling you to manage your debt in an organised manner.
Use A Balance Transfer To Pay Off Credit Card Debt
Another way to reduce credit card debt is to take advantage of credit card balance transfer offers, which involve rolling multiple cards onto one.
Some providers offer a 0% interest rate on the balance transferred for up to 28 months. Low-interest period offers are an excellent opportunity to reduce your outstanding debt without paying any interest on top.
Informal debt arrangement
Like debt consolidation, an informal debt arrangement combines multiple debts into one to help better manage repayments.
Informal debt arrangements involve negotiating and modifying repayment terms with your creditors based on what you can afford.
These arrangements are more flexible and have less impact on credit scores than debt consolidation.
One of the most cost-effective techniques to consolidate credit card debt is to use the equity in your home – by refinancing your mortgage and taking advantage of lower interest rates, credit card debt consolidation can be achieved quickly.
This not only makes repayments both easier and more manageable but allows you to substantially reduce the amount of interest you pay overall.
For some, Cutting up credit cards is a symbolic and physical way to stop spending money you don’t have. However, you must also remove your credit cards from automatic payments, subscriptions, and payments from platforms like Google Pay and PayPal to ensure you don’t keep spending.
Having a balance can be a big temptation, so removing the temptation online and in-store can prevent your debt from growing.
Keeping your credit card accounts completely paid off will help your credit score.
For over 30 years, the Australian Lending Centre has provided access to a wide range of financial solutions including Personal Loans, Debt Consolidation and Mortgage Refinance.
Applying with us has no impact on your credit score, so you could gain approval even if you’ve been rejected elsewhere.
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