Simplify multiple debts into one easy-to-manage repayment.
Won’t impact your credit score!
Take control of your finances with our debt consolidation loan.
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, low monthly repayment.
Find out how much your repayments and interest rate could be with our calculator.
Estimated monthly repayments
Example variable interest rate
Comparison rate
Total charges
$0.00
Total repayments
$0.00
It won’t affect your credit score!
Variable interest rate
up to
Comparison rate*
up to
Won’t impact your credit score!
Loans up to $15,000
Loans above $15,001
Monthly fee
Early exit fees
Find out how much you need to repay your existing
debt. You can apply for additional funds if needed.
See your interest rate and repayments in less than
5 minutes. It won’t impact your credit score!
Review your loan offer, accept it, and you’ll get an
approval outcome typically within 60 minutes.
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!
MoneyMe Financial Group Pty Ltd
https://www.moneyme.com.au/
AUD
1300 090 949
media@moneyme.com.au
xx
And the experience was nothing short of outstanding.
The team at MONEYME have been amazing to deal with. Super fast and helpful service & I love how easy the app is to use. 10/10 from me.
Professional and friendly people to deal with. Absolutely great dealing with MONEYME!
Terrific service and almost too easy, great communication, the timing was prompt and the App very handy.. thank you.
The app is fantastic, I like being able to see exactly where I’m at
Great customer service and quick and easy response. There were no extra cost and very happy with the rate I received.
I have had no problems at all everything was done to my satisfaction at a fast and prompt manner.
Loan was sorted quickly and with little fuss. Will use again in the future.
Efficient and Great. Fast approval with a reasonable repayment plan. Can’t ask for much more than that.
Easy to deal with very comparative I will recommend this company and I will definitely use them again and again and again .
Was a stress free application and approval received within hours. Experience was awesome, kept me in the loop when required.
Was a stress free application and approval received within hours. Experience was awesome, kept me in the loop when required. 💚
It's all about the service that is provided for the customer. Would recommend to others
MONEME were a dream to deal with, super tech, super fast and super easy! I wished I had found them sooner.
I’d gladly recommend
MONEYME has been a great help and they assisted me with all my queries.
No Fuss and easy to apply. No problems at all. Straight forward. They took all the worries and before I knew it had my loan sorted. Just great.
Easy to do business with. It was a really easy process and I would highly recommend them.
Done an amazing job, very quick and very reliable. I would recommend MONEYME to everyone. Thank you
It's all about the service that is provided for the customer. Would recommend to others
Manage your one repayment, view
your balance and even get access to
our other products and special offers.
We sponsor a child on behalf of every Australian employee. All of these children live in the same community in Uganda, called Busakira.
We partner with Canteen to help fund the delivery of vital counselling services and programs.
Canteen is an Australian not-for-profit that provides free and tailored support to young people aged 12-25 who are impacted by cancer.
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Reducing our environmental footprint to support Australia's path to Net Zero.
OneDebt is your go-to solution to access fast cash for all your debt consolidation needs. Everything happens online—from your application up to receiving your funds. You get access to unsecured loans up to $50,000 in minutes, with interest starting at 6.95% (comparison rate from 8.34%). Plus, the repayments are flexible from 3 to 7 years without early exit fees. We know how challenging it is to juggle multiple repayments every month, and that is why we’re here to help you get on the road to being debt-free.
If you are 18+, employed and a citizen or resident of Australia, then you are all set to start your online application. Complete your application in less than 5 minutes, get an outcome fast, and once you’re approved, your debt consolidation funds may hit your bank account in as little as 60 minutes. We’re all about simplicity and straightforwardness when it comes to lending.
Apply for debt consolidation loans easy like never before:
Click the ‘Apply’ button and enter your desired loan amount and duration.
Fill out the online form with a few personal, income and bank details.
Submit your application and wait for a quick loan decision.
Once approved, the money could be in your account within minutes!
We get this generation’s growing demands for fast and simple services, and getting debt relief is no exception to that. Our debt consolidation is powered by a proprietary AI-based loan management system that has the capability to analyse thousands of data points in real-time, allowing us to come up with fast and accurate loan decisions in a matter of seconds. No more dragging paperwork and days of waiting, so you can pay off your debts sooner.
Debt consolidation helps simplify your monthly repayments by combining all your outstanding debts into a single loan, with possibly a lower interest rate and better loan terms. This way, you get greater control of your financial situation.
Single monthly repayments – When you take out a loan to consolidate your debts, it helps to reduce the number of payments and interest rates you handle monthly or fortnightly. Debt consolidation also completely eradicates the risk of missing a due date as you only have to pay for one debt.
Get out of debts faster – When you get a consolidation loan, chances are you’ll also be getting a lower interest rate. You can take advantage of this by making extra repayments every cut off to help you save from further interests.
Boost credit score – Your credit score may gradually improve if you maintain your on-time repayments. Keep in mind that your credit report reflects your payment history, so it’s worth it to pay off your debts without delays.
You can use a debt consolidation loan to bring together all your existing debts, such as your credit card, education loan, personal loan, home loan or auto loan.
You can apply for a debt consolidation loan for small debts through banks, credit unions or online lenders. It normally takes 24 to 48 hours, or sometimes a week, when you apply through banks. For online lenders like OneDebt, the entire process is much faster, which means you can get an outcome same-day or within minutes.
Applying for a debt consolidation loan with OneDebt is super easy. Visit our website and click ‘Apply’ to start your 5-minute application. Decisions are done within minutes and you can have your funds same-day.
The amount you can borrow will depend on the total amount of your debt and the lender’s maximum loan limit. To give you an idea of how much you can borrow and your repayments, you can use an online loan calculator. It’s a free online tool that provides you with one-the-spot computation of your expected monthly repayments and the associated fees with your desired loan amount.
Apart from the principal loan amount (or the amount you borrowed) and the interest rate, the fees and charges normally associated with a debt consolidation loan are establishment fees and monthly account-keeping fees. At times when you missed a repayment, you may be charged with a late payment fee, dishonour fee or an overdue account fee. OneDebt does not charge early exit fees, but some lenders may charge you extra if you decide to pay off your debt consolidation loan earlier.
The repayments for a debt consolidation loan is no different from that of a personal loan. You can make your repayment either monthly, fortnightly or weekly. Online lenders may often set up direct debits to your bank account to automatically withdraw the payments on your chosen date.
If you applied for an unsecured personal loan to consolidate your debts, then there is no need to back up your loan with collateral. On the other hand, if it’s a secured personal loan then you are required to put up an asset, which can be one of your personal properties, like your car or your house.
We leave up to our value of delivering fair and accurate loan outcomes. Apart from your credit history, we also take into consideration various factors to come up with a debt consolidation loan amount tailored to your circumstances. This includes your income, debt obligations and living expenses.
We also get to see your bank history via a secure and trusted portal that gives us access to read-only documents of your bank activities for the last 90 days.
Plus, comprehensive credit reporting (CCR) has given lenders like us a brand-new way to assess our customers’ credit history. Unlike past reports that only shows your credit enquiries and defaults, the new credit reporting allows us to see your efforts and initiatives to pay off existing loans. This way, we get the whole picture and approve you with a loan amount that you can comfortably repay.
Just like with personal loans or the Freestyle virtual Mastercard®, the process of getting access to extra funds to pay off debts shouldn’t be dragging. OneDebt is specifically designed to give you just the solution you need. With an entirely digital process and fast outcomes, you get a loan amount with competitive rates and enjoy flexible repayments of up to 7 years.
If you have any enquiries on how OneDebt’s small debt consolidation loans can help you out, visit our website or talk to us! You can phone us from 8 am to 9 pm from Monday to Friday, and from 9 am to 9 pm on Saturday and Sunday and on most holidays.
Apply for a fast and easy debt consolidation loan with OneDebt today.
Small debt consolidation loans are a type of convenient finance whereby a customer will consolidate their total debt across all of their existing creditors into a single finance loan for one creditor. Usually, you will refinance your current loans or seek consolidation loans when you’re trying to streamline your finances and reduce your borrowing costs.
You can apply online for small debt consolidation loans from OneDebt ranging from $3,100 to $50,000 in less than 5 minutes. Approvals are fast and you could have the funds you applied for in your bank account within 60 minutes.
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