Debt Consolidation Loans

Pay it all in one place.

Low rates from

6.39 % p.a.

Comparison Rate*

6.39 % p.a.

Only takes a minute • Will not impact your credit score

Say goodbye to high interest debt for good.

Spend less on interest with a great rate.
We take the time to get to know you and help you unlock a better rate based on your good credit history.

A Rate Promise you can trust.
We stand by our rates, so you can be sure you’re not paying more than you need to.

Simply smarter lending.
With the right loan at the right price, you can rest easy.

Pay it your way.

Combine your debts into a single low repayment.
We’ll help you work out an affordable monthly repayment by combining your existing debts. From there we’ll find a loan term to match from 1 to 7 years.

A better way to borrow with no sneaky surprises.
Find yourself able to pay us back early? Nicely done – you’ll pay less interest, and there are no fees or penalties for settling up sooner.   

An investment in your mental health.
For $2,000 or $50,000, move all your debts under one roof, at a great low rate and take back control.

Apply. Approve. Ready to move forward.

Simple by design.
We’ve worked hard to make it easy for you, digitally. Request a rate estimate, apply for your loan and accept your contract all online. There’s no meetings, physical contracts or unnecessary delays. You can manage it all from your mobile.

Fast. Really fast.
Estimating your rate only takes a minute and we typically finalise successful loans in a day or two. So you’ll have funds in your account to consolidate all your debts and simplify your life before you know it.

Easy to follow expertise.
We offer straight talking and jargon-free products with absolutely nothing to hide.

Making tomorrow better, together.

13,000+ mental weights lifted.
We’ve loaned over a billion dollars to over 60,000 Australians. Will you be next?

Award-winning.
We’ve won Canstar’s Outstanding Value Award for the last six years running. And that’s just the start of the list.

Low rates that save you more.
With rates starting from just 6.39% p.a. (comparison rate 6.39% p.a.) we offer one of the lowest unsecured loans in Australia.

From start to finish in 3 simple steps

Get your rate

1 minute, 10 simple questions. It’s all we need to estimate your interest rate.

Apply online

Complete your loan application with a click or a tap – even from your mobile.

Money in the bank

Once approved, accept the loan terms and we’ll transfer the funds within two days.

Compare, consolidate and start saving.

Could you use some help to lighten your load, for a little more breathing space? Compare what you’ll save by combining all your outstanding debts under one roof.**

Last Updated: 15 February 2021

Brand
Interest Rate (p.a.)
Comparison Rate (p.a.)
Upfront Fees
Monthly Fees
Repayments
Harmoney
Harmoney Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$275

Monthly Fees

$0

Repayments

$0 per month
Harmoney
Harmoney Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$275

Monthly Fees

$0

Repayments

$0 per month
Latitude
Latitude Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 7.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$140

Monthly Fees

$13

Repayments

$0 per month
Pepper Money
Pepper Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.95% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$0

Monthly Fees

$0

Repayments

$0 per month
NAB
NAB Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 9.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$150

Monthly Fees

$10

Repayments

$0 per month
ANZ
ANZ Personal Loan (Variable Rate)

Interest Rate (p.a.)

from 12.99% (variable)

Comparison Rate (p.a.)

Info

Upfront Fees

$150

Monthly Fees

$10

Repayments

$0 per month
BOQ
BOQ Personal Loan

Interest Rate (p.a.)

from 10.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$150

Monthly Fees

$8

Repayments

$0 per month
ME Bank
ME Bank Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 10.98% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$250

Monthly Fees

$0

Repayments

$0 per month
HSBC
HSBC Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 8.50% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$150

Monthly Fees

$5

Repayments

$0 per month
Bendigo Bank
Bendigo Bank Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 12.79% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$150

Monthly Fees

$5

Repayments

$0 per month
Bankwest
Bankwest Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 10.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$0

Monthly Fees

$5

Repayments

$0 per month
Harmoney
Harmoney Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$575

Monthly Fees

$0

Repayments

$0 per month
Harmoney
Harmoney Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$575

Monthly Fees

$0

Repayments

$0 per month
Latitude
Latitude Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 7.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$250

Monthly Fees

$13

Repayments

$0 per month
St George
St George Personal Loan (Variable Rate)

Interest Rate (p.a.)

from 12.99% (variable)

Comparison Rate (p.a.)

Info

Upfront Fees

from $195

Monthly Fees

$12

Repayments

$0 per month
St George
St George Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 11.49% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

from $195

Monthly Fees

$12

Repayments

$0 per month
SocietyOne
SocietyOne Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 7.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

from $0

Monthly Fees

$0

Repayments

$0 per month
SocietyOne
SocietyOne Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

from $0

Monthly Fees

$0

Repayments

$0 per month
Now Finance
Now Finance Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.95% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$0

Monthly Fees

$0

Repayments

$0 per month
ING
ING Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 8.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

from $100

Monthly Fees

$0

Repayments

$0 per month
Wisr
Wisr Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.49% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$595

Monthly Fees

$0

Repayments

$0 per month
Wisr
Wisr Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.49% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

$595

Monthly Fees

$0

Repayments

$0 per month
ANZ
ANZ Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 10.50% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

from $150

Monthly Fees

$10

Repayments

$0 per month
NAB
NAB Personal Loan (Variable Rate)

Interest Rate (p.a.)

from 9.99% (variable)

Comparison Rate (p.a.)

Info

Upfront Fees

$150

Monthly Fees

$10

Repayments

$0 per month
Westpac
Westpac Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 11.99% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

from $250

Monthly Fees

$12

Repayments

$0 per month
Commbank
Commbank Personal Loan (Variable Rate)

Interest Rate (p.a.)

from 11.50% (variable)

Comparison Rate (p.a.)

Info

Upfront Fees

from $150

Monthly Fees

$10

Repayments

$0 per month
Commbank
Commbank Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 9.50% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

from $150

Monthly Fees

$10

Repayments

$0 per month
Plenti
Plenti Personal Loan (Fixed Rate)

Interest Rate (p.a.)

from 6.39% (fixed)

Comparison Rate (p.a.)

Info

Upfront Fees

from $0

Monthly Fees

$0

Repayments

$0 per month
Plenti
Plenti Personal Loan (Variable Rate)

Interest Rate (p.a.)

from 6.39% (variable)

Comparison Rate (p.a.)

Info

Upfront Fees

from $0

Monthly Fees

$0

Repayments

$0 per month

Comparison rates for loans under 3 years are based on an unsecured personal loan of $10,000 over 36 months. Comparison rates for loans 4 years and above are based on an unsecured personal loan of $30,000 over 60 months.

Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

**Products shown do not represent all rates available from all lenders, or all rates available from the lenders presented. Plenti interest rate is based on a borrower with an excellent credit history using rates and fees applicable as at 15 February 2021. All other interest rates and fees displayed are as advertised by the respective lender on their website as at 15 February 2021 and may include short-term promotional offers. Comparison rates are calculated by Plenti. The actual product, rate, fees and charges you might be eligible for may be different based on your loan term, loan amount and credit characteristics.

Other fees and charges not shown here may apply. Rates shown are subject to change without notice. Information on this page does not constitute an offer of credit. Plenti Australia RE Limited does not provide credit assistance in relation to all products compared on this page. The displayed order of products shows the lowest monthly repayment as default or is based on your sorting options and does not represent a suggestion that a particular credit product is appropriate for you.

Dream it. Plan it. Do it.

Wanting to take control of your finances but not sure where to start? As of October last year, there were 13,720,900 credit cards in Australia, adding up to a national debt accruing interest of $21.1 billion. That’s a lot.  

If you’re struggling to juggle multiple credit card balances, you’re not alone. Around 45% of Australians own at least one credit card, with an average balance of $1,501 accruing interest. And credit card interest rates are usually much higher than personal loan interest rates. 

A debt consolidation loan is a kind of personal loan, and could be a great way to take back control. You could consolidate all of your outstanding debts into one low rate loan, with monthly repayments you can easily manage.

Time for more headspace and a clearer finishing line?

*Comparison rates for variable rate personal loans are based on an unsecured loan of $10,000 over 36 months. Comparison rates for fixed rate personal loans are based on an unsecured loan of $30,000 over 60 months. Rates shown assume monthly repayments for a customer with an excellent credit history and are current as at 8am, 4 March 2021 Plenti credit criteria and terms and conditions apply. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Representative Example: Based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,016. This represents a comparison rate of 6.39% p.a. and includes all interest and fees included in your loan repayments over the life of the loan. Plenti personal loans are available for a minimum of 6 months to a maximum of 7 years. Interest rates range from 6.39% p.a. (comparison rate 6.39% p.a.) to 17.89% p.a. (comparison rate 19.73% p.a.). Rates are subject to change depending on the rates offered in our Lending Markets.