Debt Consolidation Loan Australia
Juggling multiple debts — credit cards, personal loans, buy-now-pay-later — can be stressful and expensive. A debt consolidation loan rolls everything into one manageable repayment at a single, often lower, interest rate. Our brokers compare 20+ lenders to find the most competitive rate for your situation.
Avg Cost
$5,000 – $50,000
Rates From
6.99% p.a.
Up To
7 years
Get Your Personalised Rate
No impact to your credit score
How Much Does Debt Consolidation Loans Cost in Australia?
Costs vary depending on complexity, location, and provider. Here are typical price ranges across Australia.
| Procedure | Typical Cost (AUD) |
|---|---|
| Small Consolidation | $5,000 – $10,000 |
| Medium Consolidation | $10,000 – $20,000 |
| Large Consolidation | $20,000 – $30,000 |
| High-Balance Consolidation | $30,000 – $50,000 |
* Prices are indicative and based on average Australian provider data. Actual costs may vary. Last updated March 2026.
Debt Consolidation Loans Financing in Australia — Quick Answer
A debt consolidation personal loan can reduce your overall interest rate and simplify multiple repayments into one. Our brokers compare 20+ lenders to find the best consolidation rate for your credit profile.
Debt Consolidation Loans Repayment Examples
See what your repayments could look like at different loan amounts and terms.
$10,000 loan
$309/mo
6.99% p.a. over 3 years
Total Repayment
$11,114.11
Total Interest
$1,114.11
$20,000 loan
$415/mo
8.99% p.a. over 5 years
Total Repayment
$24,904.2
Total Interest
$4,904.2
$40,000 loan
$685/mo
10.99% p.a. over 7 years
Total Repayment
$57,513.72
Total Interest
$17,513.72
* Repayments are indicative only. Actual rates depend on your credit profile. Use our calculator for a detailed breakdown.
How Debt Consolidation Loans Financing Works
From enquiry to funded in as little as 24 hours. Our streamlined process makes financing your debt consolidation loans simple.
Tell Us What You Need
Fill out our 60-second form with your debt consolidation loans details and estimated amount. No credit impact.
We Shop 20+ Lenders
Your dedicated broker compares rates across our network to find the best debt consolidation loans financing deal.
Get Funded & Book In
Accept your personalised offer, receive funds (often same-day), and book your debt consolidation loans.
Why Finance Your Debt Consolidation Loans With CosmediLoans
We specialise in medical procedure financing and work with you every step of the way.
Lower Interest Rate
Replace high-rate credit card and BNPL debt with a single personal loan at a lower fixed rate, reducing total interest paid.
One Simple Repayment
Combine all your debts into a single monthly repayment, making budgeting easier and reducing the risk of missed payments.
Fixed Rate & Term
Unlike credit cards, a personal loan has a fixed rate and a defined payoff date, so you know exactly when you'll be debt-free.
Debt Consolidation Loans Financing FAQ
Common questions about financing debt consolidation loans in Australia.
Ready to Finance Your Debt Consolidation Loans?
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No impact to your credit score · Takes 60 seconds