Simplify multiple debts into one easy-to-manage repayment.
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 interest rate
Comparison rate
Total charges
$1,857.28
Total repayments
$21,857.28
It won’t affect your credit score!
Interest rate (p.a.)
up to
Comparison rates (p.a.)*
up to
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, hit 'submit application', and
we'll take care of the rest.
If approved, you can have money in your bank account
in as little as 60 minutes.
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
Manage your one repayment, view
your balance and even get access to
our other products and special offers.
OneDebt offers very competitive loan rates for borrowers who would like to combine their debt repayments into a single loan, or simply take advantage of a better interest rate than their current personal loan or credit card. Our transfer times are fast, and once approved you can have as much as $50,000 of debt consolidation funds transferred to your bank account within minutes. Our lending process is entirely online, and we offer flexible 1-5 year payments without any early exit fees to help you get back on track sooner.
In order to be eligible to apply for a debt consolidation loan with us, you have to be at least 18 years old, employed and an Australian citizen or resident. If you are all these things, then you can start your application via our mobile app. Our application process is extremely fast, and you can even have the funds in your account within 60 minutes.
Start consolidating your debts with us with these simple steps:
Enter your desired loan amount and duration.
Provide us with a few personal information, your income details and bank statements.
Submit your application and wait for our quick decision.
Once approved, the money could be in your account within minutes!
Our debt consolidation loan is powered by OneDebt’s advanced loan management platform that allows us to deliver fast and fair loan outcomes in a matter of seconds. As our customer, you’ll only get to experience a smooth and seamless application experience. No more paperwork, repetitive phone calls and long queues. We’re here to help you manage your debts and pay them off sooner.
Debt consolidation is the process of combining all your existing debts into a single monthly repayment with possibly lower interest rates and better loan terms.
A credit enquiry then and now might be harmless, but a frequent hard credit check resulting from several enquiries might cause a temporary dip in your credit file. But you can always overturn this by maintaining an on-time schedule for your repayments. Your prompt repayments will reflect on your credit history and will help pull up your credit score.
Our online application is less than 5 minutes, and once you submit it you’ll receive a loan decision from us not long after. Once approved, depending on who you bank with, your funds may hit your bank account in a matter of minutes.
To apply with OneDebt, simply visit our website using your mobile phone, tablet or desktop computer. Hit ‘Apply’ and enter your preferred loan amount and duration. Provide us with a few personal information, plus your income details and bank statements. All done! Click submit and wait for our quick loan decision.
You only have to meet these basic requirements to be eligible to apply:
To ensure a smooth application experience, be sure you are ready with your mobile phone, driver’s licence, valid email address and bank details before you start filling out the online form.
OneDebt lets you borrow $3,100 to $50,000 for all your debt consolidation needs, with competitive rates, flexible repayments and zero early repayment fees.
Yes. Unlike other lenders, OneDebt will not charge you an early exit fee should you decide to pay off your loan earlier than the agreed date on your loan contract.
Your debt consolidation funds will be transferred straight to your account if you’ve been approved. But please take note that the transfer times vary depending on who you are banking with, and whether you apply during or outside business hours.
OneDebt’s debt consolidation loan is changing the way consumers pay off their outstanding debts. No more high-interest credit cards, personal loans and other debts—we offer flexible, unsecured personal loans with lower interest rates and lower monthly repayments.
Our approval times are fast, with funds available in your account within 60 minutes. Our loan decisions aren’t just quick. We’re completely fair and transparent too.
Aside from your income, financial obligations and living expenses, we also look into the comprehensive credit reporting and your banking activities for the past 90 days to help us come up with a debt consolidation rate tailored to you. This way, you get to pay off your existing debts into just one easy, manageable repayment.
Use OneDebt’s online debt consolidation loan calculator to help you work out the loan amount that best suits you. Our online calculator is free and gives you an on-the-spot computation of all the fees involved so you’ll get a clearer picture of how your repayments would look like.
If you’re looking for further information, our fees and charges are also listed out on our costs page. You may also email us at hello@moneyme.com.au for any enquiries regarding our debt consolidation loans. Our team of bright and friendly customer representatives are also available to chat from 8 am to 9 pm Monday to Friday and 9 am to 9 pm on weekends on 1300 669 059.
You may have heard of consolidating debt or refinancing but what is debt consolidation? If you’re looking for a way of reducing your credit costs, tidying up your credit score and finally getting in front of your finances then debt consolidation could offer you all of that.
You can apply online today for consolidation loans of up to $50,000. Approvals are usually received within minutes and cash transfers are made the moment you sign your new contract online. Apply now to discover how much you could be approved for.