Our debt consolidation loans are quick, easy online loans that enable you to bring all your outstanding debts together into one easy-to-manage loan, with the aim of minimising your repayments and borrowing costs.

You can use a debt consolidation loan to combine a range of debts and loans, including:

• Store loans or card debt
• School fee debt
• Credit card debt
• Outstanding bills and accounts

Debt consolidation loans can be particularly helpful if you’re struggling with debt and a bad credit rating. In fact, a debt consolidation loan could help you repair your bad credit score. Contact our friendly team on 1300 FAIR GO or via live chat to find out more about our bad credit loans.

We’ve used all our finance tech smarts to make applying online for a debt consolidation loan as quick and easy as possible. It only takes a few minutes and it’s as easy as 1-2-3:

1. Apply online in minutes. You can apply for your debt consolidation loan in minutes and then track your application online through our customer portal.
2. Get a conditional decision, fast. Our smart system will give you a conditional decision on your debt consolidation loan application straight away. And if you’re provisionally approved, you can accept our preliminary offer via SMS. No printing, signing or scanning.
3. Receive your cash in 24-48 hours. If your debt consolidation loan application is formally approved, we’ll transfer the cash directly into your account, usually overnight. You can then pay off your outstanding debts and get on with life knowing you’ve minimised your borrowing costs.

See for yourself how quick and easy a debt consolidation loan can be. Start your online application. And remember, we’re here to help on 1300 FAIR GO or via live chat if you run into any problems or have any questions.

At Fair Go, we personalise the rates and terms of our online loans to maximise your borrowing power and minimise your borrowing costs. That’s why we’re here – to help you get the cash you need to get on with life today, without putting your long-term financial wellbeing at risk.

Our friendly team, based here in Australia, will work with you to establish how much you can afford to borrow and how to structure a debt consolidation loan to keep your repayments manageable and your borrowing costs as low as possible.

The idea is that we reduce your monthly repayments and improve your cash flow by rolling all your debts into one. This makes managing your day-to-day budget simpler and, by making your debt easier to pay off, it can even help you repair your credit history if you have a bad credit rating.

Talk to our team today on 1300 FAIR GO or via live chat, or apply online for your debt consolidation loan. It’s quick, secure and easy.

You’ll need to be at least 18 years of age and a permanent Australian resident, with regular paid employment.

If that’s you, you can start your online application for a debt consolidation loan right now. It’s quick and easy – you’ll have your application finished in minutes.

It depends on a number of factors, but we help lots of customers who have a bad credit history get the loans they need and get their bad credit history back on track.

Contact our friendly team on 1300 FAIR GO and we’ll explain if your bad credit rating will prevent you taking out a debt consolidation loan (or limit the amount you can borrow).

If you’re not sure if you have a bad credit rating, watch our video about how to find out your credit score. You can request a free copy of your credit report from Equifax and find out if and why you have a bad credit history. Once you know, it’s easier for us to advise you.

Depending on your financial situation, you can borrow from $500 up to $10,000 over the course of anything from three months to three years with a debt consolidation loan. And we’ve used all our finance and tech know-how to ensure applying for a debt consolidation loan is quick and easy.

All our debt consolidation loans have fixed interest rates, which means you know upfront what your repayments will be. It’s all part of our responsible lending commitment – your guarantee that we’ll always be upfront and transparent with you. No hidden fees. No nasty surprises.

With set repayments in place, managing your budget and planning for the future are much easier. And that’s what it’s all about for us – helping you get the cash you need to get on with life, without putting yourself or your budget under unnecessary stress.