Debt Consolidation | PeopleMoney – Asset Finance Australia
Debt consolidation — simpler repayments
RESPONSE WITHIN MINUTES
★★★★★ 5-star rated on Google

Low fees. Fast approvals.
Better rates.

Juggling credit cards, personal loans or store cards? We compare 50+ lenders for debt consolidation so you can move toward one simpler repayment — only if the numbers genuinely work for you.

No impact on your credit score
Just for getting options
You'll speak directly with a specialist
Fast, personal service
No pressure. Ever.
Only move forward if the numbers genuinely work for you
$

Minimum $5,000 · This won't affect your credit score

10-digit Australian mobile

No impact on credit score
Access to 50+ lenders
Offers within minutes
5-star rated service
HOW WE HELP YOU
1
Start with a few details
Share a few details. We compare 50+ lenders and only recommend consolidation when it makes sense for your goals.
2
We find your rates fast
Most get initial offers within minutes. We match you with the best for your situation.
3
We handle the rest
A specialist can assist if needed. We manage paperwork and settlement for you.
WHY CHOOSE US

Debt consolidation that actually works for you

We compare 50+ lenders
Not locked to one bank. We shop the whole market to get you the best rate available for your situation.
No credit impact to start
See what options you qualify for without it affecting your credit score.
Fast pre-approvals
Most people get initial offers within minutes. Straightforward cases often same day.
Real people, real support
You'll deal directly with experienced brokers who know the market inside out.
One repayment, clearer path
Combine multiple debts into a single loan structure — when it improves your monthly position, not just for the sake of it.
We handle the paperwork
From application to settlement, we take care of the admin so you don't have to.
OUR PANEL

Our Network of Lenders

Access to 50+ trusted Australian lenders. We compare the market to find the best rates for debt consolidation.

We partner with a broad panel of Australian lenders.

GOOGLE REVIEWS

What our customers say on Google

View all reviews on Google
WHAT YOU'LL NEED

Getting started is straightforward

Most people only need a few basics to get a debt consolidation pre-approval. We'll guide you through the rest.

Photo ID (driver licence or passport)
Proof of income (payslips or tax returns)
A list of debts you want to consolidate
Information about your current debts
Approx. balances and interest rates (if you have them)
Employment details
Don't have everything yet? No worries — you can still get an indicative rate and we'll help you with the rest.
COMMON QUESTIONS

Debt consolidation questions, answered

What debts can I consolidate?
Commonly credit cards, personal loans, store cards and similar unsecured debts. We will review what you hold and whether consolidating is likely to improve your position.
Is debt consolidation always the right move?
Not always. We look at interest rates, fees, term and total cost. If consolidating doesn't improve your position, we'll say so.
Will checking my rate affect my credit score?
No. Getting pre-approved through us uses a soft enquiry that doesn't impact your credit file. Only a full application with a lender will show up.
How fast can I get approved?
Most applications receive initial offers within minutes. Straightforward applications are often approved the same day.
Do I need security for debt consolidation?
Often no — many consolidation loans are unsecured. Some lenders may offer secured options; we only suggest that if it clearly helps.
Can I consolidate with imperfect credit?
Often yes. We work with specialist lenders who look at more than just your credit score. We'll be upfront about what options are realistic for you.
How much can I consolidate and for how long?
Amounts and terms vary by lender and your serviceability. We will be clear about realistic ranges before you commit.
Prefer to just call?
1300 889 392
Mon–Fri 8am–6pm AEST —¢ Average answer time under 20 seconds