Simplify multiple debts into one easy-to-manage repayment and you could get a lower interest rate, lower monthly repayment and save on interest!
Won’t impact your credit score!
Won't impact your credit score!
Get ahead with debt consolidation
Save on interest and fees
Combine expensive debt into a low-rate personal loan
Lower your monthly repayments
Choose a loan term that works with your budget
Simplify your finances
Consolidate your debt into one easy-to- manage repayment
No early repayment fees
Want to pay off your debt consolidation loan faster? You can.
Make life easy with one lower monthly repayment
Forget juggling multiple debts and not knowing when or how much you're going to be charged next. With debt consolidation, you can simplify your debts into one easy to manage, lower monthly repayment.
Won't impact your credit score!
Award-winning lender
Low rates, no surprising fees
Variable interest rate
5.99
%p.a.
up to
24.49
%p.a.
Comparison rate*
6.70
%p.a.
up to
25.87
%p.a.
Won't impact your credit score!
Won't impact your credit score!
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Establishment fee
$0 - $395
Loans up to $15,000
$0 - $495
Loans above $15,001
Loan term
3 to 7 years
Our fees
$10
Monthly fee
$0
Early exit fees
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Get a quote for a debt consolidation loan in just a few steps
Check what your interest rate and repayments would be with an obligation-free debt consolidation quote. It takes just a few minutes and won't impact your credit score.
1Check your rate and repayments
You can get a conditional loan offer in just minutes without impacting your credit score!
2Submit your application
Review your loan offer, accept it, and you'll get an outcome typically within 60 minutes.
3Same-day funding
Once approved, we'll transfer the money to your bank account immediately, even on weekends.
Must be Australian citizen, New Zealand citizen or permanent resident
Earn more than $30,000 p.a. from employment
Must at least be 18 years old
Bank-grade security
‘Read only' access to accounts
256-bit data encryption
Won't impact your credit score!
Won't impact your credit score!
A different kind of lender
Quick quotes, fast approvals
We cut out unnecessary paperwork and delays with lending that's fast, simple, and built around you.
Transparent and flexible
No lock in contracts, hidden fees or surprises - just flexible options that keep you in control.
Real support, real fast
Speak to a real person if you have questions, we usually answer calls in seconds.
For people and the planet
We care about our social and environmental impact, and we're proudly B Corp Certified.
Won't impact your credit score!
Consolidate your debt with a personal loan
Looking at your monthly expenses can feel overwhelming. One way to make money management easier is with a debt consolidation loan. A debt consolidation loan lets you combine multiple debts into one personal loan, simplifying your finances.
With MONEYME, you can borrow between $5,000 and $50,000 to pay off your existing debts in one go. We'll provide an online quote with tailored repayment terms and competitive interest rates - no hidden fees or surprises.
To be eligible for our debt consolidation loan, you'll need to:
Be a citizen or permanent resident of Australia or New Zealand citizen
Be 18 years old or over
Earn at least $30,000 per annum.
If you qualify, you can apply today for a same-day outcome. We look beyond your credit score when assessing your application, meaning we may be able to provide you with a loan when others won't.
MONEYME is an award-winning Australian online lender. With fast approvals and an Australian Credit Licence, we've helped thousands of customers simplify their finances.
Won't impact your credit score!
Won't impact your credit score!
Trusted by over 110,000 Aussies
Won't impact your credit score!
What is debt consolidation?
Debt consolidation is when you take out a loan to pay off your existing debts, such as loans or credit cards, leaving you with one monthly repayment to manage instead of several repayments and due dates.
Debt consolidation can often help you save on interest rates and fees, reducing the overall cost of your debt. It can also lower your monthly repayments, making your debt easier to manage.
At MONEYME, we make it easier to manage your finances. Our award-winning debt consolidation loans come with flexible, transparent terms designed to suit your budget. And, with our fast online application and approval process, you can receive your funds the same day.
With low rates and no early repayment fees, a MONEYME debt consolidation loan can be a smarter way to manage your debt. Get a no-obligation quote today and explore your options.
Benefits of debt consolidation
Debt consolidation lets you consolidate multiple debts into a single, simplified loan, giving you peace of mind that you only need to meet one repayment each month. No more juggling multiple repayments and due dates!
In many cases, debt consolidation will also reduce how much you pay overall, as you’ll only be paying interest on a single, lower rate loan. This is especially true if you consolidate higher-interest debt such as credit cards. Plus, consolidating multiple debts into one can help you save on account fees.
At MONEYME, we provide low, personalised interest rates based on your credit score and other factors. You can get a fast online quote to see your interest rate and exactly how much you’ll pay each month before you start the application process, all without impacting your credit score.
There are no hidden costs or early termination fees, and if your application is approved, we’ll send your funds straight away.
As a Certified B Corp, we’re proud to make a difference for our customers. If you’d like some extra support, our team is here to help. You can call on 1300 072 042, email us at hello@moneyme.com.au, or send us a message via LiveChat.
Easily managed with your app
Manage your one repayment, view your balance and even get access to our other products and special offers.
Purpose-driven and responsible
At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.
As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Copyright 2025 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.
