Debt Consolidation for South East Queensland Residents
Simplify your finances. Roll multiple debts into one loan with one repayment, potentially at a lower rate.
What is Debt Consolidation?
Debt consolidation combines multiple debts (credit cards, personal loans, store cards, buy now pay later) into a single loan with one regular repayment.
Instead of juggling 5+ different payments, rates, and due dates, you have one loan, one payment, one focus.
Before & After
Before: Multiple Debts
- • Credit Card 1: $8,000 @ 21% p.a.
- • Credit Card 2: $5,000 @ 19% p.a.
- • Personal Loan: $7,000 @ 15% p.a.
- • Store Card: $2,000 @ 25% p.a.
- = 4 payments, average 19% p.a.
After: One Loan
- • Consolidation Loan: $22,000
- = 1 payment, better average rate, clear end date
What Debts Can You Consolidate?
Credit Cards
Store Cards
Personal Loans
Car Loans
Buy Now Pay Later
Payday Loans
Overdrafts
Medical Bills
Benefits of Debt Consolidation
One Simple Repayment
No more juggling multiple due dates. One payment, one focus.
Potentially Lower Rate
Consolidate high-interest debts into a loan with a lower rate.
Clear End Date
Know exactly when you'll be debt-free with a fixed loan term.
Reduce Stress
One creditor, one statement, one point of contact.
Improve Credit Score
Regular payments on one loan can rebuild your credit over time.
Stop the Debt Spiral
Break the cycle of minimum payments that never reduce your debt.
How Debt Consolidation Works with loan-o
List Your Debts
Tell us what you owe
We Calculate
See potential savings
Apply Online
Quick application
Approval
We handle everything
Debts Paid Off
Start fresh
Why Choose loan-o for Debt Consolidation
Honest Assessment
We only recommend consolidation if it genuinely helps your situation.
Local SEQ Specialists
Real people who understand your circumstances.
Bad Credit Welcome
Specialist lenders who look beyond your credit score.
55+ Lenders
We compare options to find the best fit for you.
Credit Score Protection
Soft checks first. Hard enquiries only when you proceed.
Fast Turnaround
Get answers within 24-48 hours, not weeks.
Debt Consolidation Across South East Queensland
Debt Consolidation FAQs
Important Consideration
Debt consolidation isn't right for everyone. If you extend your loan term, you may pay more interest overall even with a lower rate. We'll calculate your total cost and show you clearly whether consolidation saves you money before you proceed.
Ready to Simplify Your Finances?
One loan | One repayment | One clear path to debt-free
Credit assistance is provided under Australian regulations. Eligibility, terms and approvals are subject to lender assessment and lending criteria. Debt consolidation may not be suitable for everyone. We provide information to help you make an informed decision. B.K Brokers Pty Ltd ABN 40 669 144 218 trading as loan-o is a Credit Representative (550800) of Platform Auto Finance Pty Ltd ACL 444332.