Unsecured personal loan
Borrow without using an asset as security.
Keep in mind: Repayment obligations remain. Compare fees, interest and the full cost.
Explore this option →Personal · A CLEARER STARTING POINT
Debt Consolidation Loan
Bring selected debts into one repayment plan and understand whether the change improves your overall position.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
THE ESSENTIALS
Your finance essentials.
Start with what you want to achieve, the amount you have in mind and your household budget. Our team can review the details and discuss possible pathways with you.
- Purpose
- Reviewing whether replacing selected debts would simplify repayments.
- How it works
- If approved, a new loan pays out agreed debts. Confirm which accounts will be closed or retained.
- Security to understand
- Secured and unsecured structures differ. Any proposed security must be explained before you agree.
- Costs to compare
- Compare the interest rate, applicable comparison rate, fees, term and total repayments. Ask about early payout charges.
A LITTLE MORE CLARITY
Understand the structure, not just the repayment.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Secured personal loan
An accepted asset supports the loan.
Keep in mind: The asset may be sold if repayments are not met. A lower total cost is not guaranteed.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
Several debts have different payment dates. You want to compare the current total cost with a proposed new structure.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
Compare the new total cost, term and payout fees. Keep existing repayments up to date until a change is agreed.
ASIC Moneysmart: debt consolidation ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
A list of debts, payout balances, rates, repayments and any early payout charges.
If you are employed
- Recent payslips and the details of your employment.
- Income statements and evidence of regular commitments, as requested.
If you work for yourself
- Available tax returns, accounts, BAS or business statements.
- How you pay yourself, seasonal changes and existing commitments.
Self-employed consumer finance: accountant’s letter option
Self-employed and applying for a car for personal use, a personal loan or another eligible consumer purpose? If your last two years of tax returns are not yet complete, an accountant’s letter may be accepted as the income document for eligible finance options.
Ask our team about an accountant-letter-only income verification option. Identification and other standard application information may still be required. Availability is subject to product criteria, assessment and approval.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
What happens to accounts after their balances are paid out?
Confirm which accounts will close, which will remain open and any steps you must take. Retaining available credit can create new debts alongside the consolidation loan. Keep making existing repayments until the payouts are confirmed.
What information helps you review my existing debts?
A list of balances, repayments, interest rates and any payout fees is a useful start. Include the debts you want to combine and those you intend to keep.
Does a lower repayment mean I save money?
Not necessarily. A longer term can reduce the regular repayment while increasing the total cost. Compare the full cost, including fees, before deciding.
Should I stop paying my current loans?
Keep meeting your existing obligations unless you have agreed otherwise with the creditor. An enquiry does not settle or replace those debts.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →