Moneyme
Consolidate
Your Debt
Simplify multiple debts into one easy-to-manage repayment.
Won't impact your credit score!
- /
Streamline your debt
Take control of your finances with our debt consolidation loan.
Borrow from $5,000
up to $50,000
Pay off your
existing debts
Access additional
funds if needed
One simple
monthly repayment
Make life easy with
one low monthly
repayment
Forget juggling multiple debts and not knowing when or how much you’re going to be charged next. With debt consolidation, you can simplify your debts into one easy to manage, low monthly repayment.
Check our rates and fees
Interest rate (p.a.)
6.74
%p.a.
up to
24.49
%p.a.
Comparison rates (p.a.)*
8.13
%p.a.
up to
25.87
%p.a.
Establishment fee
$395
Loans up to $15,000
$495
Loans above $15,001
Loan term
3 to 5 years
Our fees
$10
Monthly fee
$0
Early exit fees
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.
How to apply
1Calculate existing debt
Find out how much you need to repay your existing
debt. You can apply for additional funds if needed.
2Check your rate
See your interest rate and repayments in less than
5 minutes. It won’t impact your credit score!
3Submit your application
Review your loan offer, accept it, and you’ll get an
approval outcome typically within 60 minutes.
4Same-day transfer
Once approved, we’ll transfer the money to your bank
account immediately, even on weekends.
Easily managed
with your app
Manage your one repayment, view
your balance and even get access to
our other products and special offers.
Supporting World Vision
We sponsor a child on behalf of every Australian employee. All of these children live in the same community in Uganda, called Busakira.
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Paying off multiple debts made easy
Our debt consolidation loan is your solution to take control over a number of outstanding debts you may have. Our unsecured, low-rate personal loan can help you consolidate and manage your debt in one place with a repayment period that suits you from 3 to 7 years. While a MoneyMe personal loan can be used to buy a car, travel overseas, renovate a house or even pay for bills, our debt consolidation loan helps you pay off all your existing debts sooner. Get it with lower interest rates, flexible repayment terms and zero early exit fees.
How to get a loan for debt consolidation
Applying for our debt consolidation loan is easy as everything is paperless. If you’re employed, 18 years or older, and a resident in Australia then you are all set to apply. Complete your easy online application via your mobile, get fast approvals fast, and depending on who you bank with, your money can be available in your account within 60 minutes.
How to apply for a debt consolidation loan
Move your higher-interest debt to a cheaper interest rate with our easy, hassle-free online process.
- Visit our website, hit the 'Apply' button and enter your desired loan amount, repayment duration and your personal information.
- Complete your application by providing your bank account details and valid email address.
- Submit your application and wait for a few minutes for your loan decision.
- Money in your account within 60 minutes once approved!
Fair and secure tech-driven solution
Our debt consolidation loan is powered by a proprietary AI-based loan management platform that assesses thousands of social and financial data points in real-time, giving you a fast, fair and accurate debt consolidation loan outcome in minutes.
No more days of waiting, long queues and tons of paperwork. Get your money and cross all those debts off your list in no time using our mobile app.
Debt consolidation FAQs
Getting a debt consolidation loan
Fees, charges and repayments
Flexible low-rate personal loan for debt consolidation
We use advanced technology to match and tailor your individual circumstances and provide you with a unique loan rate and loan terms. We understand that in order to get on with life, you will be needing a financial solution that allows you to maximise your borrowing power all while minimising your total borrowing costs – and we can give you exactly just that.
We offer unsecured personal loans for debt consolidation to make managing your budget simpler and easier. They’re low-rate, flexible and much easier to pay off to help improve your financial situation.
Each time you take out a loan and repay us on time, you can improve your loan rating and may be able to borrow at an even lower cost next time as well as have access to our other products such as our Freestyle virtual Mastercard®.
Fast cash with competitive loan rates
We offer very competitive loan rates that may be used by a borrower who wishes to combine their debt repayments into one, or simply take advantage of a better interest rate than their current personal loan or credit card.
And when we say fast cash, we live by it. OneDebt’s application process is powered by an advanced loan management platform that allows us to provide quick and accurate loan decisions same-day. To fast-track your application even more, we ditch the hassle of tons of paperwork. Instead, we ask for your online bank information to have a better look at your bank history for the last 90 days. We are permitted read-only access to these documents so rest assured that your data is safe and secure, and no one from our team has access to your login information.
At OneDebt, we understand that each borrower has unique needs–some only require small loans to help them out until the next payday, while others need up to $50,000 to cover a big purchase. Another option is our Freestyle virtual Mastercard®, which is ideal if you’re looking for great flexibility and a revolving line of credit to cover small, everyday expenses. Regardless of your choice, we make sure that you can enjoy lower rates, reasonable repayment terms, and a quick application process with us.
Debt consolidation made easier
Simplify your finances with a Debt Consolidation Loan
Get approved for a debt consolidation loan online today. We offer unsecured personal loans of between $3,100 and $50,000 online and in a matter of minutes. Simplify and streamline your finances by exchanging multiple creditors for our low fees and charges. Our application process is a low doc, fast and intuitive online form.
We don’t need your payslips or to confirm your employment with your boss. It really does take less than 5 minutes to apply online for debt consolidation loan. Merging all of your existing debt into a single, manageable repayment is a popular way of refinancing. It helps to reduce costs and tidy up your credit file.
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.
MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present.
Our business hours
Our business hours
Customers
Monday - Friday
8AM-7PM
Saturday
9AM-6PM
Sunday
Closed
Partners
Monday - Friday
8AM-5PM
Saturday & Sunday
9AM-3PM
Types of loans
Types of credit cards
Copyright 2024 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.