Debt Consolidation Loans - Australia

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

Why Choose Us For Debt Consolidation

Australian Debt Consolidation Specialists

Managing many debts at once can be a struggle. Trying to pay each debt on time while creditors harass you can cause a lot of stress. If you start missing repayments, things can quickly slip out of your control.

The Australian Lending Centre could consolidate your debts into a reduced monthly repayment plan that is more manageable and better fits your budget.

Creditors will stop contacting you, and your interest rate may be lowered or frozen.

Apply in less than 5 minutes:

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. All of our loans involve absolutely NO credit check.

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

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

A personal loan for debt consolidation combines all your debts into one payment plan. This makes it easier to manage your debts. It also frees up more money for you to use each month.

This removes the confusion of multiple repayment dates and means you will also have only one, lower interest rate.

The best thing about a debt consolidation loan is that you are fully in charge. You choose the repayment frequency and the length of the loan term. 

A debt consolidation loan also protects you. Your current debts are paid off right away, so you can stop worrying about getting stressful calls from creditors demanding repayment.

You could even benefit from an improved credit score by honouring your new agreement and making repayments on time.

Debt Consolidation puts you in control

How to Consolidate Debt with Australian Lending Centre

Australian Lending Centre can step in and take any money worry off your hands with fast debt consolidation.

You could benefit from a simplified reduced repayment with lower interest. This clear structure provides a direct pathway to becoming debt-free.

Your credit score doesn’t matter to us – we never even check it.

Types of Loans you could Consolidate

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Credit Cards

Credit card debt can easily stack up leaving you with multiple cards and high balances. Consolidate credit card debt for a clear repayment structure and a lower interest rate.

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Personal Loans

Perhaps you overcommitted in the past and now find yourself behind on personal loan payments. Consolidate personal loans with the Australian Lending Centre. 

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Student debt

HECS debt is tricky to manage. It’s designed to support you through your studies, but suddenly, you’re required to repay an ever-growing amount of debt. Student debt can be consolidated to ease the burden.

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Store Cards

Those store cards can creep up, especially after the holidays. The interest-free periods may seem like a great idea at first, but it’s easy to forget about them. Luckily, store cards can be consolidated!

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Medical & Dental Bills

Medical events can be beyond our control and the bills can easily pile up. Stress is the last thing you need in this situation, so consolidate your medical bills and take a deep breath.

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Tax & Centrelink Debts

It’s easy to get caught out with not paying enough tax through the year or being overpaid by Centrelink. Debt consolidation is a way forward.​

Payday loans and fast cash advances can land you in a dangerous downward spiral. Consolidate payday loans, reduce high interest rates and take back control before it’s too late.

Managing repayments can be difficult if you took out a hire purchase for a car, furniture, or business equipment. Consolidating hire purchases can help reduce the burden.

Water, gas, and electricity bills can come from nowhere. If you don’t have the money to cover them, you could be in trouble. Consolidate utility bills to eliminate worry.

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.

Is Debt Consolidation a good idea?

Is Debt Consolidation a good idea

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.

3 ways Debt Consolidation can help to pay off debt

Personal Loan Debt Consolidation

Consolidating personal loans can reduce multiple debts to one easy repayment. Debt consolidation is also not limited to one form of finance. For example, you can consolidate a combination of personal loans, credit cards and even home loans.

Credit Card Debt Consolidation

Consolidate your credit cards to simplify repayments and potentially improve your credit score. Combining balances helps you avoid high-interest fees. It also reduces the risk of missing payments and protects your credit score from penalties.

Debt Consolidation with Bad Credit

Australian Lending Centre can consolidate debt with bad credit. We don't perform credit checks, so your file is secure with us even if others have turned you down.

How does debt consolidation work?​

Overwhelmed with debt

1. Overwhelmed with debt

When debts are weighing you down, creditors won’t leave you alone, there’s no money left over after each payday, and you see no clear way out – you need to find a solution, and fast.

Feeling trapped with debt

2. Feeling trapped

But how can you manage your high credit card balances and multiple personal loans when they each have different due dates and high-interest rates?

get debt help

4. Get debt help today

Easily apply for a debt consolidation loan in less than 5 minutes with Australian Lending Centre and enjoy having more money left over each week.

Debt consolidation solution

3. The solution

Debt consolidation is a lifeline that combines all of your debts into one. This means one reduced monthly repayment with a lower interest rate. Creditors are also taken off your hands and you can feel positive again with a clear debt-free pathway.

Bad Credit 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. You can feel overwhelmed and stressed, which is where we come in.

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.

Complete our easy online application form in less than 5 minutes and get debt help in Australia.

Gaining loan approval doesn’t need to be rocket science and certainly shouldn’t take a perfect credit rating. The Australian Lending Centre has over 25 years of experience helping Australians with financial solutions. 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.

This is why we don’t make judgments based on your past. If banks and other lenders have said no, then you’re in the right hands. Bad credit debt consolidation and debt consolidation with no credit check are exciting opportunities that could apply to you depending on your situation.

Australian Lending Centre is a trusted debt consolidation lender that can help you find the best option to get out of debt fast.

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.

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

Creating a clear budget:

  • Creating a budget should always be the first step you take to help get out of debt.
  • A good budget clearly calculates how much is left over after factoring in expenses and debts.
  • From here, you know how much spending money you have available each week.
  • If you have plenty of money left over, it’s important to dig deeper, figure out exactly when payments come out, and ensure you always have enough money ready to cover them. You can do what you like with the rest of the money, whether that be spending it, saving it, or making extra payments towards debts.
  • If you have very little spending money left over or a negative balance, then it’s certainly time to consider one of the options below.

Informal Debt Arrangement:

  • If you are completely overwhelmed with debt and are heading towards bankruptcy then an Informal Debt Arrangement could be a viable solution.
  • This involves negotiating a plan with creditors on your behalf to reduce your debt repayments to a manageable amount that you can afford.
  • Like Debt Consolidation, debts are combined into one monthly repayment, and you are protected from creditors.
  • Your repayment amount is tailored to your budget, with some left over to give you breathing room. It’s worth noting that the lower the repayments, the longer it will take to be debt-free.
  • An informal debt arrangement can take you from being unable to repay your debts and having no clear pathway out, to an affordable, clearly structured plan with life after debt in sight.
  • Unlike a Part IX Debt Agreement (below), an informal debt arrangement doesn’t appear on your credit file since no formal legal documentation is involved.
  • Honouring your repayment plan until the very end of your arrangement will not only mean you could be debt-free but will also likely improve your credit score since your previous debt balances will be reduced to zero.

Part IX Debt Agreement:

  • A debt agreement, also known as a Part IX (9), is a legally binding arrangement between you and your creditors. It provides a flexible way to settle debts without resorting to bankruptcy.
  • A registered debt agreement administrator negotiates with your creditors to repay only a portion of your outstanding debts over a manageable period (usually three to five years). The rest of your debt is wiped.

  • Once established, a debt agreement becomes legally binding. You commit to paying a set amount of your debt over the agreed-upon period, and creditors agree to accept this reduced amount as a full settlement.

  • Part IX Debt agreements provide a way to avoid bankruptcy while still addressing your financial obligations.

  • To apply for a debt agreement, you must meet certain criteria, including the total amount of your unsecured debts and your income level.

  • The entire process will be handled by your debt agreement administrator. This includes the proposal, managing payments, and liaising with creditors.

  • While debt agreements offer relief, they have implications. Debt Agreements fall under the Bankruptcy Act, and therefore, your ability to obtain credit may be affected. The agreement will appear on a public register for approximately five years.

Financial Counselling:

  • Financial counselling is a free and confidential service offered by not-for-profit organisations. These skilled professionals provide personalised assistance to individuals facing financial difficulties.
  • Financial counsellors offer non-judgmental support to people dealing with financial stress. They listen to your concerns, assess your situation, and provide practical guidance.

  • If you’re struggling with debt, a financial counsellor can help you better understand your debts, create a budget, negotiate with creditors, and prioritise payments.

  • Financial counsellors do not provide legal advice. If you’re facing legal action, you may be able to seek free legal advice elsewhere depending on your circumstances.


  • Bankruptcy is a legal process where an individual is declared unable to pay their debts.
  • You can choose to enter voluntary bankruptcy by completing and submitting a Bankruptcy Form. This process allows you to make a fresh start by releasing you from most debts. It typically lasts for at least 3 years and 1 day.
  • Alternatively, a creditor (someone you owe money to) can make you bankrupt through a court process, known as a sequestration order. The Australian Financial Security Authority (AFSA) manages individual bankruptcies.
  • After becoming bankrupt, AFSA appoints a trustee to manage your bankruptcy. The trustee can be either the Official Trustee (AFSA) or a registered trustee (someone you choose).
  • Bankruptcy should always be a last resort. It lasts 5 years from the activation date and can have serious negative implications. These include your ability to get credit (including phone contracts and home utility plans), employment and overseas travel.

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.


  • 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 25 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.