Debt Consolidation.
Simplify multiple debts into one structured repayment.
Overview
When you're juggling credit cards, store cards, buy-now-pay-later, car loans and personal loans, the monthly admin alone wears you down and the weighted-average interest rate is usually painful. Consolidation rolls everything into one facility, typically at a lower rate, always with a clear payoff date.
Consolidation only works if you close the existing loans you're consolidating. We structure it so you can't accidentally re-borrow and end up back where you started.
Consolidation rates vary by credit profile and security. We pre-assess before approaching lenders.
Who this is for
Key benefits
- Single, predictable monthly repayment
- Typically lower weighted-average interest rate
- Clear payoff timeline (no minimum-payment trap)
- Old facilities paid out at settlement
- Secured and unsecured options
- Can include credit cards, BNPL, personal loans, store finance
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement and remain available post settlement whenever you need us.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
Most common. Pays out existing debts, you have one new monthly payment. Rate depends on credit profile.
Lower rate by securing against an existing or new asset. Useful if you have unencumbered equity.
If you're also buying or refinancing a vehicle, debts can sometimes be wrapped into a single asset loan at car-loan rates.
For borrowers struggling with affordability, lenders on our panel can sometimes restructure rather than refinance, lower repayments, longer term.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
Three cards ($28k total), a personal loan ($12k) and a BNPL ($3k) consolidated into one $43k loan, monthly repayment dropped from $1,650 to $980, payoff in 5 years vs decades on minimums.
Existing car loan plus credit card debt rolled into one secured loan against the vehicle, saved 4.2% on the credit card portion.
Multiple defaults from a relationship breakdown. Specialist lender consolidated everything at a higher rate but lower monthly than the existing repayments, breathing room while rebuilding.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Photo ID (driver licence or passport)
- Two most recent payslips
- Recent bank statement showing salary credits
- Details of the asset being purchased
- Statements for all debts being consolidated
- Account numbers for payout instructions
- Recent income evidence
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
If you consolidate the cards but keep using them, you've doubled your debt. We coordinate closures at settlement.
A 7-year consolidation lowers monthly payments but increases total interest. We model the total cost so you decide eyes-open.
Don't consolidate a low-rate car loan into an unsecured personal loan at higher rates. We analyse the weighted average before recommending.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.