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Compare debt consolidation loan options with iCREDIT.
Combine credit cards, personal loans, car loans or other debts into one simple repayment with flexible options across Australia.
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It’s quick and easy to start a personalised rate quote.
Getting an estimate won’t affect your credit score.
Roll multiple card balances into one structured repayment.
Refinance higher interest loans into a more manageable solution.
Bring multiple repayments together to make budgeting easier.
A debt consolidation loan combines eligible existing debts into one new loan, with one interest rate and one regular repayment.
Instead of juggling multiple due dates and balances, you can streamline your repayments and focus on a clearer budget.
Suitable for credit cards, personal loans, car loans and selected other debts.
If you’re carrying balances across multiple credit cards or loans, consolidating can reduce repayment complexity and help you move to a structured plan.
Depending on your situation, you may be able to choose between secured and unsecured consolidation loans. Secured options can offer more competitive rates, while unsecured options can offer flexibility for borrowers who do not want to use an asset as security.
iCREDIT works with a broad lender panel and may be able to assist borrowers with less-than-perfect credit, depending on their overall situation.
May offer lower rates
Terms from 1–7 years
Can use eligible assets as security
Can suit larger consolidation amounts
No asset security required
Flexible Loan Structure
Loans terms 1 - 7 Years
Loan amounts $2000 to $60,000
The most suitable option depends on your borrowing amount, assets, credit profile and lender policy.
A debt consolidation loan with iCREDIT can bring together a range of existing debts into one simple, structured repayment.
This may include credit cards, personal loans, car or asset finance, and other smaller outstanding debts that are becoming difficult to manage separately.
In some cases, selected business-related debts may also be considered, depending on your situation. Debt consolidation can also be useful when separating shared financial commitments after a relationship change, helping to move existing joint debts into a single, individual loan.
By combining multiple repayments into one, you can simplify your finances and gain better control over your budget.
Take control of your finances by using our easy-to-use debt consolidation calculator.
Enter your current debts to see how combining them into one loan could reduce your monthly repayments and simplify your finances.
Compare your current situation against a new loan and estimate your potential savings in seconds.
Estimate your total debt, compare your current repayments against a new consolidation loan, and view your approximate savings.
Tell us what you want to consolidate.
We’ll review your options across lenders
Choose a loan structure that suits your needs
Move to one manageable repayment
Providing loan statements, credit card statements, payslips and bank statements can help improve the options available.
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Debt Consolidation Loans can be used to payout existing car or asset loans, higher interest personal loans, credit cards or existing smaller debts.
A debt consolidation loan is essentially a personal loan which can be secured against an asset (ie: car, motorbike, caravan etc) or fully unsecured. Consolidation Loans can help refocus on budgeting and establishing a savings plan by rolling existing debts into one manageable repayment.
Balance transfers can be a good option if consolidating smaller amounts and sticking to a repayment plan to clear the debt before the interest free period ends. Most credit cards revert to a higher interest rate after the honeymoon period, so any outstanding amounts are going to incur a significant interest component which can be higher than a debt consolidation loan interest rate.
To apply for a debt consolidation loan, you will be required to provide some details. Generally the more information you can provide the more options will be available to you.
Information to assist with debt consolidation loans include:
Loan Statements of accounts you are wanting to consolidate
Credit Card Statements (if consolidating)
Payslips
Bank Statements (if applicable)
The simple answer is, Yes. We have lenders and loan products on our panel that can assist if you have bad or poor credit history. As everyone’s circumstances are different, so are the lenders guidelines and our finance consultants are experienced in sourcing a suitable loan to meet your requirements.
Yes, by consolidating your existing loan, whether it be a car loan, caravan, personal loan or credit card, you can move the debt into your name. If the asset is registered in both names, you may need to gain authority from your ex-partner before clearing the debt.
Security is usually not required for a consolidation loan, however if you’re borrowing larger amounts, by using your current vehicle as collateral for the loan can provide comfort to the lender helping your loan be processed smoothly.
To be eligible for a debt consolidation loan in Australia, you’ll generally need to meet the following criteria:
Be 18 years or older
Be an Australian citizen or permanent resident
Have a regular source of income (PAYG, self-employed with current financials. considered)
Meet minimum credit and affordability requirements
Be able to demonstrate your current financial position and existing debts
Every lender has different requirements, which is why comparing options first can improve your chances of approval.
At iCREDIT, you can review suitable loan options across multiple lenders without impacting your credit file, helping you choose a solution that fits your situation before proceeding.
Not sure if you qualify?
Complete a quick comparison and see your options before applying.
Ready to simplify your debts?
Speak with iCREDIT about debt consolidation loan options tailored to your situation.
At iCREDIT, we make debt consolidation loans easy and tailored to your situation. With access to a national panel of lenders, we compare options and negotiate competitive rates to help you find a more affordable solution.
Whether you’re paying out high-interest car loans, clearing credit cards, or combining other debts, consolidating into one repayment can simplify your finances and improve cash flow.
Speak with an iCREDIT finance consultant today and take the first step toward a simpler, more manageable financial future.
