Debt Consolidation Loans Australia
Turn several repayments into one. Simplify your finances and take control with a debt consolidation loan.
What is a consolidation loans?
Managing several credit cards, personal loans and other debts at once can be stressful and expensive, with multiple repayment dates and often high interest rates. A debt consolidation loan combines them into a single loan with one manageable repayment, helping you simplify your finances and potentially save on interest.
Business Loans Broker compares more than 50 Australian lenders to find a consolidation loan with a competitive rate and a term that suits your budget, so consolidating genuinely leaves you better off.
Our free brokerage service helps you see the true cost clearly before you commit, with no obligation.
Who it's for
- People juggling several credit cards or loans
- Borrowers paying high interest on card balances
- Anyone struggling to track multiple repayment dates
- People wanting one simple, predictable repayment
- Borrowers seeking a clearer path out of debt
Eligibility — what you'll typically need
- A registered ABN (and GST registration for larger amounts)
- Generally 6+ months trading (startup options available)
- Recent business bank statements or BAS
- Australian resident or citizen
Why choose this finance with us
One Repayment
Combine credit cards and loans into a single monthly repayment.
Potential Savings
A lower rate than high-interest cards could reduce your costs.
Clear Comparison
We show the real before-and-after so consolidating actually helps.
Flexible Terms
Choose a term that keeps your repayments comfortable.
50+ Lenders
We compare the market for a competitive consolidation rate.
Free Service
No cost to you — the lender pays our commission.
From enquiry to funded in 4 steps
List Your Debts
Tell us the cards and loans you'd like to combine.
We Compare
Our brokers find consolidation loans with competitive rates.
See the Savings
We show the real cost before and after so you decide with clarity.
Consolidate
Accept an offer and replace many repayments with one.
One application. 50+ lenders. Better outcome.
With Business Loans Broker
- Compare 50+ lenders with one application
- A specialist negotiates on your behalf
- Unsecured & low-doc options the banks won't offer
- Soft check — no credit-score impact to compare
- Free service, funded in as little as 24 hours
Going direct to one bank
- One product, one set of rules
- You do all the legwork and chasing
- Often weeks of back-and-forth
- A decline can dent your credit file
- Limited flexibility on structure
What our clients say
"We needed a second excavator before the wet season hit and the bank wanted weeks of paperwork. The team here had $145k in equipment finance approved in three days so we didn't miss the contract."
"As a sole trader sparky I never thought I'd get finance on a new ute without endless hassle. Got the vehicle finance sorted with a rate better than the dealership offered."
"Our cafe had a brilliant winter but cash flow was always tight waiting on the quieter months. The working capital facility they arranged smoothed everything out and we finally opened the second location."
"Honestly thought my credit history would shut every door. They listened, found a lender who looked at where my business is now rather than three years ago, and got me $60k."
"Invoice finance changed how we operate. Instead of chasing 60-day terms from the big retailers, we draw down against the invoices and pay our growers on time, every time."
"I had four separate business debts at different rates and it was doing my head in. They consolidated the lot into one manageable repayment and I'm saving close to $900 a month."
"Opening a dental practice meant funding fit-out, chairs and imaging gear all at once. They structured the lending around my situation as a medical professional and the whole thing was painless."
"We took on a franchise and the upfront fees were daunting. The broker walked us through the lender requirements step by step and we settled on time without any last-minute drama."
"Quick, no fuss merchant cash advance against our card takings. Money was in the account inside 48 hours and we used it to stock up before the Christmas rush."
Consolidation Loans — your questions answered
A new loan pays out your existing debts, leaving you with one loan and a single repayment, ideally at a lower overall cost.
It can, especially if you're moving off high-interest credit cards, but not always. We show you the real numbers so you only proceed if it helps.
Commonly credit cards, personal loans, store cards and similar unsecured debts. We'll confirm what your chosen lender will include.
A longer term lowers your repayment but can increase total interest. We help you balance affordability against overall cost.
Yes. We are paid by the lender, so comparing consolidation loans costs you nothing.
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