Debt Consolidation Loans

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How can debt consolidation help you?

Are you being weighed down by debt? If you are like the rest of us, you have multiple credit cards and personal loans which you are only managing to pay the interest on. If this is the case you have come to the right place and a debt consolidation might be just what you need.

What are debt consolidation loans?

A debt consolidation loan enables you to organise all your existing debts into one set repayment term by borrowing enough money to clear the collective amount owed. Besides the bonus of having just one debt to oversee, taking on a debt consolidation loan with good rates clears your debt faster and improves your credit rating.

It differs from a general personal loan as the lender is in charge of the debt consolidation process. If you are currently struggling to pay off debts due to routine expenditure, we can arrange for debt consolidation loans that directly channel the funds borrowed to your debts. This will ensure that the money cannot be taken out to spend on other things for some time.

debt consolidation loan

What is a debt consolidation loan?

A debt consolidation loan enables you to organise all of your existing debts into one set repayment term by borrowing enough money to clear the collective amount owed.

Credit card consolidation loans

A credit card consolidation loan involves transferring all of your credit card debts onto a low interest rate loan. However, as credit card consolidation loan rates in Australia do not typically require you to pay off the debt within a fixed time period, it can be tempting to pay the minimum each month and prolong the debt which could potentially acquire steep interest charges defeating the purpose. Do your research and chat to your loan specialists to find the right-fit solution for you.

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Be in control of your finances

We understand that you want to be in control over your financial situation – and that includes having the assurance of having a clear-cut, regular repayment schedule and knowing what your exact repayments are and when you will be debt-free. Our specialist debt consolidation lenders will take the time to understand your unique needs and compare the most competitive rates out there; we promise to deliver debt consolidation loans that are the right fit for you and your desired goals.

A debt consolidation loan will have lower interest rate than your credit card which will decrease your overall debt. We take note of any additional costs and relay them back to you, which can be easy to miss. Again we promise nothing but transparency here to ensure there are no hidden fees or excess charges by carefully evaluating the terms of the loan and laying out its penalties and other possible secondary charges.

Getting rid of debt does not have to be a financial strain. It does not have to compromise enjoying life and doing the things you want to do. That is why we are committed to delivering consolidation loan rates that are affordable.

Get rid of debt and save money – at the same time

The right debt consolidation loan puts you in control and saves you money. It can be confusing terrain, but we are here to walk you through it and do the hard work for you. Making finance easy for you is our passion, but most importantly we have your best interests in mind.

That is why we take the time to get to know you and your financial situation. This will help us accurately assess if a debt consolidation loan is indeed the best option for you. While it may seem like a no-brainer solution, the reality is that for some, a consolidation loan can end up increasing debt instead of eliminating it.

This is just one of the many ways we strive for open and transparent communication every step of the way. No hard selling, no obligations – just personable one-on-one discussions where we work with you towards the best financial outcome. If you are considering taking on a loan but are unsure if it can work for your lifestyle and budgeting, give us a call, and we can help work through the situation and find the best solution.

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