DEBT CONSOLIDATION LOANS

Consolidate up to $50,000 & save today!

DEBT CONSOLIDATION LOANS

Consolidate up to $50,000 & save today!*

Juggling credit cards and multiple loans can be stressful for anyone. Simplify your finances and combine it into one easy-to-manage loan, with a Cashify Debt Consolidation Loan. You could save hundreds, or even thousands, in interest!
Read More

Simplify your finances instantly!*

Juggling credit cards and multiple loans can be stressful for anyone. Simplify your finances and combine it into one easy-to-manage loan, with a Cashify Debt Consolidation Loan. You could save hundreds, or even thousands, in interest!
Read More

Debt Consolidation Loan snapshot

Great rates
from 8.5% p.a.

Loan terms
3-84 months

Instant cash transfers*

Consolidate from $2,000 to $50,000 in debt from existing personal loans, credit cards or store cards

One easy-to-manage repayment plan to simplify your finances

Easy online application

Tailored rates from 8.5% p.a.
(comparison rate from 9.45%^)

Instant* cash transfer into your account

Borrow from a trusted Australian owned and operated lender

Note: Estimated repayments are indicative only.
This does not constitute an offer of credit by Cashify.

Debt Consolidation Loan snapshot

Great rates
from 8.5% p.a.

Loan terms 3-84 months

Instant cash transfers*

Consolidate from $2,000 to $50,000 in debt from existing personal loans, credit cards or store cards

One easy-to-manage repayment plan to simplify your finances

Easy online application

Tailored rates from 8.5% p.a.
(comparison rate from 9.45%^)

Instant* cash transfer into your account

Borrow from a trusted Australian owned and operated lender

Frequently asked questions about Debt Consolidation Loans Australia

Getting an instant Debt Consolidation Loan can be simple! Below are some of the more common questions answered, however if you still have a question, check out the FAQs page or send us a message.

How does it work?

A Debt Consolidation Loan is a type of Personal Loan which allows you to simplify from $2,000 to $50,000 worth of debt and combine it into one easy-to-manage loan.

Before you apply, you need to work out the total amount of your outstanding debt left on your existing Personal Loans, credit cards, store cards etc. You can now apply for a Debt Consolidation Loan to cover this amount.

Simply follow these 3 easy steps to consolidate your debt.

  1. Complete a simple online application form – click here to apply now
  2. Once your loan is approved, we’ll transfer the money into your nominated bank account
  3. Simply pay out your outstanding debt on your existing Personal Loans, credit cards etc. and close all your old accounts to avoid any future fees.

What you are now left with is one easy-to-manage loan to repay with Cashify.

How do I pay out my debts?

Once your loan has been approved and you sign the digital contract, Cashify will transfer the full amount of your loan into your nominated bank account. You are then able to use this money to pay out your outstanding debt on your existing Personal Loans, credits cards etc.

Cashify recommends once you have paid off your existing debt, you close these old accounts to ensure you don’t incur any further fees.

Why should I consolidate my debt?

There are a number of reasons why people consolidate their debt with Cashify.

  • Save up to hundreds or thousands on interest rates! Our rates start from 8.5% p.a. which is significantly lower than most credit cards.
  • Make your finances simpler by having only one bill to remember to pay
  • Save money by paying only one set of account or admin fees.
  • Take control of your debt and reduce your financial stress.

How much will I save?

By combining all your debt into one easy-to-manage loan, you can save a substantial amount in interest and admin fees. As an example, most standard credit card’s interest rates are around 20% p.a. At Cashify, our rates start from just 8.5% p.a. (comparison rate from 9.45%^). This means, in some cases you could save hundreds or even thousands of dollars over the course of your loan.

What are the fees & charges?

We know the importance of being honest and upfront with our rates, fees and charges. It’s all here, with no nasty surprises.

For Personal Loans from $2,000 to $5,000

  • Loan Rate: 48% p.a.
  • Establishment Fee: $370
  • Other Fees That May Apply
    – Dishonour Fee: $15

For Personal+Plus Loans from $5,000 to $50,000

  • Loan Rate: From 8.5% p.a. (comparison rate from 9.45%^)
  • Establishment Fee: $498
  • Admin Fee: $10 per month
  • Other Fees That May Apply
    – Reschedule Fee: $14
    – Dishonour Fee: $15

Am I eligible?

To apply for a Cashify Debt Consolidation Loan, you must:

  • Be 18 years or over
  • Be an Australian citizen or permanent resident
  • Be currently employed (see details below)

To consolidate loans from $2,000 – $5,000, you must also:

  • Be currently employed Full Time, Part Time, Self-Employed or Casual
  • Centrelink must not be your main source of income

To consolidate loans from $5,000 – $50,000, you must also:

  • Be currently employed Full Time, Permanent Part Time or Self-Employed
  • Minimum income of $50,000 p.a. before tax

Cashify is a responsible lender and we only lend what we believe you can comfortably afford to repay. All applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

Frequently asked questions

How does it work?

A Debt Consolidation Loan is a type of Personal Loan which allows you to simplify from $2,000 to $50,000 worth of debt and combine it into one easy-to-manage loan.

Before you apply, you need to work out the total amount of your outstanding debt left on your existing Personal Loans, credit cards, store cards etc. You can now apply for a Debt Consolidation Loan to cover this amount.

Simply follow these 3 easy steps to consolidate your debt.

  1. Complete a simple online application form – click here to apply now
  2. Once your loan is approved, we’ll transfer the money into your nominated bank account
  3. Simply pay out your outstanding debt on your existing Personal Loans, credit cards etc. and close all your old accounts to avoid any future fees.

What you are now left with is one easy-to-manage loan to repay with Cashify.

How do I pay out my debts?

Once your loan has been approved and you sign the digital contract, Cashify will transfer the full amount of your loan into your nominated bank account. You are then able to use this money to pay out your outstanding debt on your existing Personal Loans, credits cards etc.

Cashify recommends once you have paid off your existing debt, you close these old accounts to ensure you don’t incur any further fees.

Why should I consolidate debt?

There are a number of reasons why people consolidate their debt with Cashify.

  • Save up to hundreds or thousands on interest rates! Our rates start from 8.5% p.a. which is significantly lower than most credit cards.
  • Make your finances simpler by having only one bill to remember to pay
  • Save money by paying only one set of account or admin fees.
  • Take control of your debt and reduce your financial stress.

How much will I save?

By combining all your debt into one easy-to-manage loan, you can save a substantial amount in interest and admin fees. As an example, most standard credit card’s interest rates are around 20% p.a. At Cashify, our rates start from just 8.5% p.a. (comparison rate from 9.45%^). This means, in some cases you could save hundreds or even thousands of dollars over the course of your loan.

What are the fees & charges?

We know the importance of being honest and upfront with our rates, fees and charges. It’s all here, with no nasty surprises.

For loans from $2,000 to $5,000

  • Loan Rate: 48% p.a.
  • Establishment Fee: $370
  • Admin Fee: $10 per month
  • Other Fees That May Apply
    – Dishonour Fee: $15

For loans from $5,000 to $50,000

  • Loan Rate: From 8.5% pa (comparison rate from 9.45%^)
  • Establishment Fee: $498
  • Other Fees That May Apply
    – Reschedule Fee: $14
    – Dishonour Fee: $15

Am I eligible?

To apply for a Cashify Debt Consolidation Loan, you must:

  • Be 18 years or over
  • Be an Australian citizen or permanent resident
  • Be currently employed (see details below)

To consolidate loans from $2,000 – $5,000, you must also:

  • Be currently employed Full Time, Part Time, Self-Employed or Casual
  • Centrelink must not be your main source of income

To consolidate loans from $5,000 – $50,000, you must also:

  • Be currently employed Full Time, Permanent Part Time or Self-Employed
  • Minimum income of $50,000 p.a. before tax

Cashify is a responsible lender and we only lend what we believe you can comfortably afford to repay. All applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply.

Instant cash transfers,
Receive the money in your bank account instantly* if you sign the approved contract between 9am to 9pm on business days.

Do You Need to Find an Expert in Debt Consolidation Loans?

If you currently have a number of different debts which you are in the process of paying off, there may be good reasons for you to consider taking out a debt consolidation loan. Australia has many lenders providing this kind of loan, but not all borrowers are fully aware of what debt consolidation involves and why it can often prove to be a very shrewd financial decision.

Personal loans for debt consolidation allow you to combine all your existing debts into one single loan, and there are several benefits associated with doing this. Of course, the most obvious benefit is enjoying more streamlined finances, with fewer payments to worry about and a reduced risk of you accidentally missing a payment and negatively affecting your credit score.

But one of the most significant potential benefits of debt consolidation is the fact that if your credit score has improved since you took out your original loans, it is often possible to obtain lower interest rates on a consolidation loan and save yourself money.

Get the Most Competitive Debt Consolidation Loans Australia Has to Offer at Cashify

Here at Cashify, we pride ourselves on providing some of the very best debt consolation loans Australia has to offer. We have many years of experience in the industry, but we remain a fully Australian family owned and operated company committed to the same principles of value and customer service upon which we were founded.

To apply for one of our loans, all you need to do is use the online application form to tell us about yourself and your financial situation. There is minimal documentation required during the swift and straightforward process, and our team will conduct a thorough assessment of your individual circumstances in order to determine the right financial solution for you. If we are unable to accept your application, we will always provide plenty of helpful advice and guidance to give you the best chance possible of having future applications accepted.

Loan applications are open to everyone as long as you are an Australian citizen or permanent resident, are over the age of 18, and are currently in employment. All our fast cash loans are between $2,000 and $50,000, and various repayment options are available to suit your personal needs and preferences.

Apply for Your Debt Consolidation Loan Now or Contact Us to Learn More

When you are ready to begin the process of turning your existing debts into a single consolidation loan with Cashify, simply complete your online application and you will hear back from a member of our team very shortly. Or if you would like to speak to a member of staff to discuss your various options and find out more information about who we are and what we do, do not hesitate to get in touch via telephone, email or using the online form on our contact page. We will be more than happy to answer your questions and provide personalised advice.
Read Less

If you have any questions, check our FAQs or send us a message
Ready to get started?

Apply NowApply Now