Credit Card & Personal Debt Consolidation
- Consolidate multiple cards & loans
- Single manageable monthly repayment
- Reduce overall interest charges
Apply to consolidate debt
Debt Consolidation
Combine eligible personal loans, credit cards and other debts into one structured loan with flexible terms from 12 months to 7 years.
Pathfyndr Finance can help you explore options to combine eligible personal loans, credit cards and other debts into one structured loan. We compare suitable lenders and guide you through the process, helping simplify multiple repayments into one more manageable repayment where appropriate and subject to eligibility.
From enquiry to settlement, Pathfyndr Finance compares suitable lender options and guides you every step of the way.
Competitive fixed rates tailored to your budget, credit profile, and repayment preferences.
Apply for pre-approval
50+
Trusted lenders
1
Simple payment
12mo-7yr
Flexible terms
Objective
Lower Total Interest
Consolidation Options
Find the Right Consolidation Solution
Vehicle & Personal Loan Refinance
- Combine vehicle & personal debt
- Fast 24-48hr approval turnaround
- 50+ Australian lending partners
Apply for loan combination
Personal Debt Consolidation
Managing multiple loans, credit cards, and varying payment due dates can be overwhelming. At Pathfyndr Finance, we compare debt consolidation options across a wide range of Australian lenders to help you streamline your repayments.
By combining multiple debts into a single structured loan, many clients are able to simplify their finances and manage repayments more clearly.
Loan Structures
Secured & Unsecured
Unsecured Debt Consolidation Loan
Secured Debt Consolidation Loan
Common Questions
Frequently Asked Questions
How does debt consolidation work?
Debt consolidation takes out a new loan to pay off your existing debts (credit cards, personal loans, buy-now-pay-later). This leaves you with just one loan, one interest rate, and one fixed monthly payment.
Can I consolidate credit cards and car loans together?
Yes! You can combine various debt types - including high-interest credit card debt, personal loans, store finance, and car loans - into one single consolidated loan.
Will debt consolidation lower my monthly payments?
In most cases, yes. By securing a lower interest rate or extending your repayment term, your total monthly outlay is reduced, freeing up cash flow each month.
Are $0 deposit debt consolidation loans available?
Yes. Subject to your financial profile and lender approval, 100% no-deposit options are available so you don't need upfront cash.
Will consolidating my debts improve my credit score?
Consolidating multiple debts into a single, consistently paid loan reduces credit utilization and stops missed payment risks, which can strengthen your credit score over time.
Can I pay off my debt consolidation loan early?
Yes, on consumer loans you can make additional repayments or pay out your consolidated loan early at any time. However, exit fees or early termination fees may apply depending on your lender policy. Please speak with your broker regarding these fees before proceeding.
Why Choose Pathfyndr for Your Debt Consolidation?
We analyze your existing debts, comparing 50+ lenders to replace multiple high-rate payments with one easy, affordable monthly loan.
Apply for pre-approval
- Specialized debt consolidation brokers
- 50+ trusted Australian lenders
- Combines cards, personal & vehicle debt
- Single fixed monthly payment
- Fixed rates, 12mo-7yr terms
- Dedicated service to settlement
