Debt consolidation

A debt consolidation loan involves taking out a loan to pay out a number of debts.

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You specified that you are looking to borrow $0, you have been declined for a loan and you are an Australian resident, aged 18 to 65 with a regular income.

Based on this information, it appears we can help you. Please call us on 13 FIXED (133 493) or leave your details and we’ll call you back at a convenient time.

Based on the information you have provided it appears we may be able to help you, however we need to speak to you to find out more information. Please call us on 13 FIXED (133 493) or leave your details and we’ll call you back at a convenient time.

You have indicated that:

  • You are NOT an Australian resident
  • You are NOT aged between 18 and 65
  • You or your partner do NOT receive a regular income

Based in this information, we are unfortunately unable to help you. If your situation changes, or you would like to find out more information please call us on 13 FIXED (133 493) and we’ll call you back at a convenient time.

You specified that you have unsecured debts of $0, you are having trouble keeping up with payments and you are an Australian resident, aged 18 to 65 with a regular income.

Based on this information, it appears we can help you. Please call us on 13 FIXED (133 493) or leave your details and we’ll call you back at a convenient time.

Based on the information you have provided it appears we may be able to help you, however we need to speak to you to find out more information. Please call us on 13 FIXED (133 493) or leave your details and we’ll call you back at a convenient time.

You have indicated that:

  • You are NOT having trouble keeping up with payments
  • You are NOT an Australian resident
  • You are NOT aged between 18 and 65
  • You or your partner do NOT receive a regular income

Based in this information, we are unfortunately unable to help you. If your situation changes, or you would like to find out more information please call us on 13 FIXED (133 493) and we’ll call you back at a convenient time.

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The benefits of a debt consolidation Loan include:

  • One payment instead of multiple payments
  • Possible lower interest rate
  • Lower repayments (due to extended payment period)
  • Could save you money
  • May help you gain control of your finances
  • May be easier to budget and/or make payments


A debt agreement is one way of consolidating your repayments, and is generally more popular than a Debt Consolidation loan, as you may not have to pay any interest or pay back the full amount that you owe.

Debt consolidation is more typically referred to when talking about a debt consolidation loan.

For example, if you have a credit card, a car loan and a personal loan you could take out a larger loan to pay them all out. Depending on your situation, a debt consolidation loan may only be beneficial if you can get the new loan at a lower interest rate than the average rate of your current debts.

It’s important that you get the right advice when considering a debt consolidation loan as it could put you in a worse position, especially if you’re already struggling with your current payments.

If debt consolidation is the right option for you then Credit Repair Australia can help, having serviced over $95 Million worth of debt for thousands of Australians.

If debt consolidation is not the option, Credit Repair Australia offer a range of debt solutions for people in all types of financial situations.

Our aim is to understand your situation completely by conducting a full assessment of your financial position and working with you to develop a budget, before we offer appropriate options.

Call us on 13 FIXED (133 493) right now, to find out if debt consolidation is right for you or get in touch through our contact page.

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