1300 361 360

Debt Consolidation & Loan Refinance

Today's lowest rate is 6.52%
(Comparison 7.76%*)
  • Same Day
    Approval
  • Expert
    Team Advice
  • Access to
    65+ Lenders
Obligation Free Finance Quote
  • Fast turnaround times
  • No impact on credit score

"*" indicates required fields

Name*
Consent*
This field is for validation purposes and should be left unchanged.

Let us find you a low rate loan to consolidate your debt into one.

Sometimes life throws us curve balls, unexpected expenses and changes to our financial situation that can result in us having a couple of different loans or debts. An Unsecured Personal Loan can be a great option if you want to consolidate your debts such as store cards, lines of credit, credit cards, car or other personal loans into one easy monthly payment.

HOW DEBT CONSOLIDATION WORKS

Paying off multiple debts can be stressful, can feel overwhelming or complicate the weekly management of your cash flow.  Debt Consolidation works in a way that you take out one single loan for an amount that will pay out all of your existing debts, leaving you with just the one loan to repay each week/fortnight/month.  If the interest rate on the new Unsecured Personal Loan is lower than that of your current debts (such as high interest credit cards), consolidating can help you get ahead by reducing the overall interest amount payable.

Before taking out an Unsecured Personal Loan for debt consolidation, you should first investigate the following to help determine if you are going to be financially better off:

  • Review the interest rates of your current debts
  • Find out the ‘Payout figure’ of any existing loans or credit cards
  • Review any fees or charges applicable for paying or cancelling any of your existing debts
  • Speak to a Finance Specialist to determine what interest rate and loan amount you are eligible for.

 

Some of our lenders:

Macquarie Bank
Pepper Money
Suncorp
Latitude Financial
Westpac
Resimac
ANZ
Yamaha Finance
NAB
Now Finance
VWFS
CBA
Liberty Financial
Money 3
MoneyPlace
CIL Insurance

Benefits of an Unsecured Personal Loan for debt consolidation:

Potentially lower interest rates
Repayments could be easier to manage
Could save you money and stress
Can give you a clearer financial picture

Come for the rates, stay for the service. Just ask our 1000's of satisfied customers.

4.8
Based on 806 reviews
powered by Google
js_loader
Killian has helped me get out of my old beat up car into my brand new car, he was easy to talk to, communicated with us every step of the way, he made the process easy for us from start to finish. Thank you Killian, I will be definitely recommending you to anyone I know looking for their dream car.
Zoe Yeark
We had already applied for our caravan finance a few times and had been offered just half. We were very disappointed our dream did not come through. Thank God 360 Finance came to our rescue. All done and dusted in a few weeks. Brock Simpson did an incredible and very professional job. He made the entire process so easy and stress-free. Thanks a lot; we are now enjoying our new traveling life.
Natalja Hleborodova
Killian Noack has been absolutely amazing in guiding me through my first car finance and the whole process took less then a week! He’s extremely well in communication and kept me up to date with every step of the way. I couldn’t be more thankful for everything he’s done. I will be sure to recommend him and 360 finance to anyone needing finance that I know.
Megan Streek

At today's lowest personal finance rate of 6.52% (Comparison rate 7.76%) you'll pay approximately...

$ per *

At today's lowest personal finance rate of 6.52% (Comparison rate 7.76%) you can borrow approximately...

$*

Useful articles

How to save on your car loan

If you’ve applied for a 360 Finance car loan, you may want to find ways you can save on the total costs in the long term, or... Read More.
How much should you save for a car loan deposit?

With numerous costs and fees involved with a car loan, you may be wondering whether you need a deposit, and how much that deposit should be ... Read More.
6 ways to lower your debt

If you’re planning on buying a new car, something you should first consider is your existing debt  When getting a car... Read More.
10 commandments of building an emergency fund

When it comes to financing, you want to feel secure enough that if something unexpected crops up, you have the money to deal with it, without taking... Read More.
How does car loan interest work?

When taking out a car loan, as well as making regular repayments to pay off the loan amount, you also need to pay interest on the... Read More.
Everything you need to know about business car loans

If you’re looking to invest in vehicles for your business, there are numerous options for business car loans These include a chattel mortgage, hire purchase, lease,... Read More.
An easy-to-understand guide to novated leasing

When buying a vehicle, there are several financing options to help you afford the vehicle you need Car loans can be a good... Read More.
5 things to know about car loans before applying

Car loans can be a great option for people who need help buying the car they need It offers a more affordable way of purchasing a vehicle... Read More.
Top 10 caravan gadgets and upgrades

With international trips on hold for a while, there has never been a better time to explore our backyard  Australia is well known for... Read More.
What is a car loan comparison rate?

There can be numerous rates involved with a car loan, and it’s important to know what each of them cover, to ensure you can get the... Read More.
Calculating your car loan repayments

360 Finance Calculating your car loan repayments For those who don’t have the necessary finances to buy a car outright, car... Read More.
How to get the best interest rate for car finance

With any type of financing, you want to ensure you get the best possible deal Finding a car loan with a lower interest rate is no... Read More.
How to get a personal loan if I have a bad credit score

If you’ve missed payments on your credit card, bills, mortgage or any other type of debt, you may have a bad credit score  A... Read More.
Understanding your car loan repayments

Car loans are a great option for those wanting to buy a vehicle but unable to afford one without financial assistance  Applying for a... Read More.
Instant asset write-off

The recently released Federal Budget has provided much-needed relief to Australian businesses with an extension to the Instant Asset Write Off Scheme As revealed... Read More.
Financial ABC’s of Coping with COVID-19

360 Finance is committed to being the finance & insurance specialists you know and trust  We’ve been there for our customers through some of... Read More.
Our Women

What does International Women’s Day mean to you? For some, it means celebrating the achievements of women and the progress that has been made to reduce... Read More.
Your Roadmap to Financial Freedom

Imagine living how you want to without worrying about the financial expense Imagine having enough money to fund the lifestyle you desire Imagine being able to live... Read More.
How to Achieve Your Financial Goals This New Year

The start of the new year is relished by most of us because it’s the perfect opportunity to set some New Year’s Resolutions It’s the time to... Read More.
5 Steps To Take Before Applying For Finance

Taking out a loan for a car can seem like a daunting task You’re probably wondering what steps to take before applying for finance, so that you can purchase ... Read More.