Consolidation Loans

Are you having problems dealing with your bills? Does it feel as though there are too many debts to keep under control? Perhaps you need a consolidation loan.

You can seek help and take a Debt Consolidation Loan to settle multiple debts in an easy, manageable way. Often, taking the first step to changing the situation is already a great weight of your shoulders. By grouping all of your existing debts, into one loan, reducing your monthly payment and receiving a low interest rate on it you could wave goodbye to your debt problems! The lender may need some information about you and your circumstances in order to give you the right consolidation loan – they might need to know how many creditors are knocking at your door and how much, in total, you owe.

Credit Report        Consolidation Loans Information

You MUST apply through this site to guarantee any rate, spread, fee or margin listed

Use the table below to compare aspects like consolidation loans terms and rates – this helps you to make a considered choice. You'll find that many offers are really competitive on loan rates.

Need Help? If you would like further information and wish to speak to someone: Contact Us >>
Enquiry Line: +61 (0) 2 91916575

COMPANYTYPEAPRLOAN AMOUNTMIN TERMMAX TERMTERMSSUITABLESECURED LOANSMORE INFO
Australian Lending Centre
Australian Lending Centre		Lender5.74% - 8.44%From $5,000Ask on applicationAsk on applicationUnable to offer a Debt Management Solution to applicants that have been bankrupt during the past 10 years.If you are struggling to meet your minimum credit card debt repaymentsNoAustralian Lending Centre
Australian Lending Centre offer to lend you a single debt consolidation loan taken out in order to pay off other debts. They can offer you a range of debt help options to enable you to combine all your monthly outgoings into one lower affordable monthly payment.
DETAIL INFORMATION >>		Services

Services

1. They can approve your loan over the phone and provide funds in as little as 24 hours.
2. Service the entirety of Australia in both urban and rural locations


Restrictions

Restrictions

See website


Advantages

Advantages

1. No obligation, free assessment.
2. Turn all your debts into one manageable monthly payment.
3.Choose between four debt management options.


Disadvantages

Disadvantages

1. Limited information on the website.
2. You have to apply to find out your individual charges and fees.

GE Money
GE Money		BrokerFrom 14.29%From $3,0002 years7 yearsYou need to be at least 18 years of age, a permanent Australian resident and in regular paid employment to apply.Easier to manage your financesNoGE Money
A GE Money Debt Consolidation Loan helps to put an end to the hassle of managing multiple debts from different lenders. They enable you to roll your debt into one manageable payment, making budgeting easier. You can set the repayment up by direct debt to occur weekly, fortnightly or monthly – whatever suits you best.
DETAIL INFORMATION >>		Services

Services

1. You'll usually deal with just one person from your local branch who will handle your application from start to finish, helping you with the paper work along the way


Restrictions

Restrictions

1. You need to be at least 18 years of age, a permanent Australian resident and in regular paid employment to apply.


Advantages

Advantages

1. You can easily apply online
 2. Paying by direct debit saves you time and the hassle of manual repayments, it also helps you to avoid fees from missed or late payments.


Disadvantages

Disadvantages

1. $250 establishment fee
2. $10 loan service fee per month
3. Early termination fees apply if you repay your loan in full before the end of your loan term: $150 if you’re less than half way through your loan term and $75 if you’re more than half way through your loan term

Debt Cutter
Debt Cutter		LenderAsk on free assessmentAsk on free assessmentAsk on applicationAsk on applicationYou must have unsecured debts over $80,000 approx, have assets over $80,000 approx and have an income of over $60,000 after tax approx.Consolidate your debtsNoDebt Cutter
Debt Cutters aim is to assist clients with a legitimate hardship to try and help them get out of debt with a debt consolidation loan. You can register for free, online and arrange a free phone consultation with one of their advisors. There is limited information on the website so it is necessary to speak to an advisor before you can make the decision if Debt Cutters is the company to consolidate your loans!
DETAIL INFORMATION >>		Services

Services

1. To get your FREE, no obligation, debt relief consultation simply fill in the online form


Restrictions

Restrictions

1. They can't cover Secured debts (i.e. something that can be repossessed if payments are not made), current phone / electric bills, traffic fines or current rent


Advantages

Advantages

1. To get your FREE, no obligation, debt relief consultation simply fill in the online form.
2. Assist with legitimate hardship.
3. Good customer service
4. staff will respond to emails within 24hrs and phone calls Mon-Sat until 7pm.


Disadvantages

Disadvantages

1. Website has limited information on it.
2. You have to apply to find out APR, loam amount and loan duration

News / Charts News and Charts

Australia’s Trade Surplus Soars To Record Highs
02 February 2012
Which Way to Pay
Australia’s currency is currently enjoying a five month high as its trade surplus reaches record highs thanks to coal and iron ore shipments in 2011.
Read More >>		Home Is Where The Heart Is – Protect It!
02 February 2012
Which Way to Pay
Finding the right cover to fully protect your home and its contents is an important financial decision that should not be taken too lightly.
Read More >>		Australian House Prices Fall Again
01 February 2012
Which Way to Pay
The Australian Bureau of Statistics released data that showed the price for houses fell 1 % in the December quarter and by 4.8 % in 2011.
Read More >>