Debt Consolidation Loans - Australia

Simplify your life & save money with a debt consolidation loan, regardless of your credit score.

No credit impact | Fast & Free Assessment

Why Choose Us For Debt Consolidation

Australian Debt Consolidation Specialists

Managing multiple debts is stressful – especially if you start to miss repayments. Before long, you could find yourself facing mounting debts, late fees and pressure from creditors.

The Australian Lending Centre could consolidate your debts into a simple, reduced monthly repayment plan that better fits your budget.

If you are over 18 years old, and have a regular income, you could be eligible for a debt consolidation loan.

Australian Debt Consolidation Specialists

Get a Same-Day Debt Consolidation loan in Australia

Apply within 5 minutes by clicking “Start Your Application” below and completing the online application form. It’s fast & simple.

We provide a wide range of debt consolidation solutions, including Bad Credit Debt Consolidation Loans.

We require minimal documentation, making the whole process super speedy. If you qualify, you can expect a same-day approval!

Our excellent reviews say it all

March 17, 2025
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Pat was amazing to talk to, I had my doubts of what was suggested but he put my mind at ease and explained everything clearly. He was very patient with my questions and my initial hesitation. Thank you Pat!!!

February 14, 2025
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very user friendly application online form. the website is secure and runs smoothhly.only 4 minutes to apply online. excellent products. 5 stars from me welldone team thankyou

December 16, 2024
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Lauren was fantastic
Lauren helped me with my situation
I highly recommend

November 19, 2024
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Went out of her way to come up with the best solution and was very helpful every step of the way. Was a pleasure to deal with.

November 15, 2024
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I was so surprised by the ease and compassion I was met with by Pat and the team, they made something I was quiet embarrassed about easy to understand and far less overwhelming then I thought it was going to be, I’m so grateful for the help I received and chance to be back in control of my finances 🙂

November 8, 2024
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The person was very nice spoken she explained everything very clearly. She made me feel very comfortable to speak with her.

October 30, 2024
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Chloe was extremely helpful, understanding and non judgemental. Everything was explained clearly and the outcome has made my year.

October 25, 2024
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So easy to talk to
Came up with an amazing solution for mu needs to get my debts under control again

October 23, 2024
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Pat provided a very friendly customer service. He understood my situation and was really helpful. He was patient on providing me all the information I needed then explained everything in a friendly manner.
October 23, 2024
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Chloe was a great help. She is so lovely to speak to and explained everything so well.

October 14, 2024
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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

September 28, 2024
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Keanu was really helpful and explaining the entire process

September 25, 2024
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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

September 25, 2024
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Keanue was such an amazing help! He was kind, understanding and made it a seamless process to get some help.

September 9, 2024
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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 ☺️

September 5, 2024
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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

September 5, 2024
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Excellent service explained everything clearly, keanu was very helpful and enthusiastic about the work.
July 18, 2024
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Keanu is very easy to talk too! Has amazing customer service and makes you feel comfortable in any situation. Highly recommend. A++++

June 4, 2024
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Keanue was very helpful and informative!
May 24, 2024
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Great customer service, super informative and every helpful.

May 16, 2024
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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!

April 29, 2024
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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.

April 17, 2024
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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

March 25, 2024
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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!

March 24, 2024
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Fantastic very good lovely person to talk to Chloe..
March 22, 2024
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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.

March 14, 2024
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Pat was very understanding and helpful! He was non judgmental and helped me find the best possible solution for my debt issues.

February 29, 2024
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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.

February 22, 2024
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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 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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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!

February 14, 2024
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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

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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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

January 30, 2024
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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!!!

January 29, 2024
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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.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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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.

January 17, 2024
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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.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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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!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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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

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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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 🙂

December 4, 2023
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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 🙂

November 29, 2023
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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.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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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

November 27, 2023
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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.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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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!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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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.

November 22, 2023
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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.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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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.

November 18, 2023
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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.

November 17, 2023
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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.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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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

October 31, 2023
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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”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

August 17, 2023
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Easy doing application online Verification and approval of application for quite turn around.

August 3, 2023
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I recommended this to anyone because it was so easy going and very easy to use

March 22, 2022
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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

December 10, 2021
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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 🙏

June 30, 2021
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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

June 29, 2021
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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.

June 28, 2021
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Chloe was great. Very helpful and genuine

June 28, 2021
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Professional and very clear

June 23, 2021
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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.

June 22, 2021
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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

June 21, 2021
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Kathleen was very helpful and informative, with an excellent demeanor. Definitely a credit to your company.

June 21, 2021
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Kathleen was polite and compassionate looking forward to getting back into a better position

June 18, 2021
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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.

June 17, 2021
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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!

Debt Consolidation puts you in control

Australian Lending Centre could combine all your debts into one easy payment with custom repayment terms and favourable interest rates.

Personal loans for debt consolidation put you in control, so you can enjoy having more money in your pocket each month.

You can also stop worrying about getting stressful calls from creditors demanding repayment. Upon approval, you will be protected by us.

Take control with debt consolidation

How to Consolidate Debt with Australian Lending Centre

Our fast debt consolidation loans are designed to help you to become debt-free as quickly and affordably as possible.

We aim to help you build better financial habits along the way too, with budget assistance and around-the-clock support.

Got bad credit? No worries. Learn how to consolidate debt with bad credit here.

Types of Loans you could Consolidate

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Credit Cards

Credit card debt can spiral quickly. Debt consolidation for credit cards simplifies them into one managable repayment with a lower rate.

How does credit card consolidation work? >>

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Personal Loans

If you’ve overextended yourself with personal loans, it can feel like you’re always behind. We help you consolidate these into one lower repayment.

Apply now >>

Payday loans icon

Payday loans come with sky-high fees and short repayment terms. Consolidation can break the cycle and give you breathing room.

Apply now >>

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Store Cards

Store cards seem convenient but can quickly become unmanageable. Consolidating them puts you back in control.

Apply now >>

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Medical & Dental Bills

Medical bills can hit out of nowhere. Consolidating them gives you clarity and reduces stress.

Apply now >>

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Tax & Centrelink Debts

Tax or Centrelink debts can build quietly. Consolidate them to avoid interest and ease financial pressure.

Apply now >>

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Student debt

HECS or HELP debt doesn’t disappear. Combining it with other loans may ease your financial load.

Apply now >>

Car Loans​ icon

Hire Purchase

Hire purchases lock you into rigid terms. Consolidation creates a single, easier repayment path.

Apply now >>

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Utility Bills

Missed utility payments can add up. Consolidating helps you stay ahead and avoid service disruptions.

Apply now >>

The Benefits of Debt Consolidation

Debt consolidation provides greater financial control, more money in your pocket each week, and less stress as a result. Find out all of the key benefits below:

Reduced Monthly Payments

Your new repayment plan will be based on what you can afford, so you could pay far less per month than before.

Simplified Payments

Combining your debts into one single monthly repayment simplifies your financial management and reduces the risk of missing payments.

Improved Credit Score

Lowering your credit utilisation ratio by consolidating your debts and making repayments on time should increase your credit score over time.

Better interest rates

High-interest debts can often be consolidated with a lower interest rate. This new, lower interest rate can also be fixed meaning greater stability.

Debt Payoff Timeline

You'll receive a structured plan to pay off your debts with a clear timeline and fixed monthly repayments, leading you to become debt-free.

Avoiding Bankruptcy

Debt consolidation is a positive alternative to bankruptcy. By re-structuring your debts, you could avoid bankruptcy for good.

Credit Card Debt Consolidation: Simplify Payments & Save on Interest

Credit Card Debt Consolidation: Simplify Payments & Save on Interest

Juggling multiple credit cards with different interest rates, due dates and fees is overwhelming.

A credit card consolidation loan combines your debts into one affordable repayment with a lower or even frozen interest rate.

Example:

  • You owe $8,000 across 3 credit cards at an average 20% interest
  • You only pay the 2% minimum each month
  • This could take over 9 years to clear, costing a total of $17,000.

With a debt consolidation loan, you may pay off the same amount in half the time with far less interest.

This approach simplifies your repayments, reduces fees, and helps improve your credit.

Apply to consolidate credit card debt here >>

Consolidate credit card debt

Juggling multiple credit cards with different interest rates, due dates and fees is overwhelming.

A credit card consolidation loan combines your debts into one affordable repayment with a lower or even frozen interest rate.

Example:

  • You owe $8,000 across 3 credit cards at an average 20% interest
  • You only pay the 2% minimum each month
  • This could take over 9 years to clear, costing a total of $17,000.
Consolidate credit card debt

With a debt consolidation loan, you may pay off the same amount in half the time with far less interest.

This approach simplifies your repayments, reduces fees, and helps improve your credit.

Apply to consolidate credit card debt here >>

Flexible Terms and Fast Approval

The requirements for banks and other traditional lenders are incredibly strict, but the Australian Lending Centre is different.

We offer real-time assessments and same-day approval for those who qualify. If you are one of the many Australians struggling to keep on top of your debt commitments, then debt consolidation is a fantastic option.

Debt Consolidation Loans FAQ's

Debt consolidation is when you get a loan to pay off multiple debts, usually with lower interest rates and fees. You can consolidate many forms of debt, including credit card, personal, and student loans.

For example, you might have four different forms of loans, each with different loan amounts. These debts are likely to have different interest rates and repayment dates. This makes keeping up with the loans complicated and difficult.

A debt consolidation loan combines all these debts into a manageable repayment package on your terms. This means that you can decide on the repayment frequency and loan terms to benefit you. Whether you would like to repay the loan quickly and pay more each month, or slowly and pay less each month, the power is in your hands.

Best of all, if the interest rate on the consolidation loan is lower overall than your current rates, you could save money and get ahead in reducing your total debt.

We’ve put together a visual guide here to help you better understand how debt consolidation works.

Gaining loan approval doesn’t take a perfect credit rating thanks to Australian Lending Centre. We have over 30 years of experience helping Aussies find financial solutions after they’ve been told no. We understand how easy it is to slip up with your money.

Forgetting to make payments on time or letting bills pile up is an easy mistake that can lead to hard-to-reverse consequences.

If you are over 18 and have a regular income, you could qualify.

Yes, you can consolidate business loans, and we could help.

At Australian Lending Centre, we offer business debt consolidation loans that simplify your finances by rolling multiple repayments into one. It’s a smart way to take control of your cash flow, reduce stress, and get back to growing your business.

Speak to us today to find out if business debt consolidation is right for you.

Yes. Even if you have bad credit, you may still be eligible for a debt consolidation loan. At Australian Lending Centre, we don’t perform credit checks when assessing your file, so your credit score won’t impact your application.

Learn more about bad credit debt consolidation here >>

Debt consolidation provides a clear and easy repayment structure meaning that making repayments on time and having multiple debts pile up will no longer be a problem.

By the time you’ve finished paying off your debt consolidation loan, your credit score could be glowing green!

Consolidating debt simplifies life, puts more money in your pocket, and lets you take financial control. It erases the following issues:

  • Loans can be difficult to keep on top of. If you have 3 different debts that you are currently repaying, they are each likely to have different repayment dates, loan amounts, repayment lengths and interest rates. This means you must be very organised to avoid falling behind on any repayments. On top of this, you face even further complications if you have credit cards.
  • Credit cards have high interest rates. This means you will spend more money as time passes. If you make minimal repayments each month, you will carry your credit card to the grave.
  • Creditors are relentless. Until your debts are fully paid off, creditors will not leave you alone. Their calls and letters can be distressing, particularly if you start to fall behind on repayments.
  • Financial instability is stressful. Being unsure of your financial future and not seeing a clear way out of debt can be incredibly stressful.

Pay off your credit cards in order of priority

  • This is a smart way to speed up debt repayment. Focus on paying off the debt with the highest interest rate first, followed by the next highest, and so on.
  • This method helps reduce the total interest you pay and makes managing your debt more structured.

Use a balance transfer to pay off credit card debt

  • Another option is to take advantage of credit card balance transfer offers, which allow you to combine multiple card balances onto one card.
  • Some providers offer 0% interest for up to 28 months — a useful window to pay down debt without extra interest piling up.

Aside from consolidation loans, there are a number of different ways to get out of debt, including:

  1. Create a Budget
    Track your income, expenses, and debts to understand what you can afford. A clear budget helps you stay on top of bills and spot when you’re falling short.
  2. Informal Debt Arrangement
    An informal arrangement combines your debts into one affordable monthly payment without affecting your credit file. It’s flexible and negotiated based on what you can repay.
  3. Part IX Debt Agreement
    This is a formal option for serious debt. You pay back a portion of what you owe over 3-5 years. It’s legally binding and avoids bankruptcy, but it does impact your credit and appears on a public register.
  4. Financial Counselling
    Free, confidential support from trained professionals. They could help you budget, prioritise payments, and negotiate with creditors.
  5. Bankruptcy
    A legal process that wipes most debts but has long-term consequences. It should be a last resort due to impacts on credit, employment, and travel.

Speak to us to discuss your options >>

Yes, while debt consolidation can combine multiple types of debt – such as credit cards, payday loans, and buy now, pay later, it’s typically structured as a personal loan.

A personal loan for debt consolidation can simplify your finances by rolling everything into one repayment, often at a lower interest rate than credit cards.

Home equity debt consolidation involves using the equity in your home to manage debts. You can access home equity through a home equity loan or a home equity line of credit (HELOC).

These options allow you to borrow against the value of your home. The funds can then be used to pay off existing debts.

Advantages:

  • Lower Interest Rates: Home equity loans and HELOCs typically offer lower interest rates compared to credit cards or personal loans.
  • Predictable Payments: Fixed rates on home equity loans provide predictable monthly payments.
  • Retain Low Mortgage Rate: Using home equity doesn’t affect your existing low mortgage rate.

Risks and Considerations:

  • Collateral: Home equity loans and HELOCs use your house as collateral. If you can’t repay, you risk losing your home.
  • Alternatives: A balance transfer may be a better option. Credit cards or personal loans could also be viable solutions.

The Australian Lending Centre does provide the opportunity for debt consolidation loans on Centrelink.

So long as your Centrelink income is stable and not expected to significantly change and you are able to afford repayments then it is absolutely possible.

Australian Lending Centre has been supporting Aussies for over 30 years with financial solutions.

Our Trustpilot and Google reviews highlight how much of a positive effect we have on people’s lives.

Each client’s circumstances are completely different, making us highly flexible and understanding. No matter what your situation, get the best Debt Consolidation loan with Australian Lending Centre.

Cutting up credit cards can be a symbolic and physical way to stop spending money they don’t have. But make sure to also remove your card details from automatic payments, subscriptions, and services like Google Pay and PayPal.

Having a balance available can be tempting. So removing that temptation can help stop your debt from growing.

Keeping your credit cards open but fully paid off can also have a positive impact on your credit score.