Debt Consolidation Solutions Across Australia

Name: VOXFIN
Address: C5 Level 1, 2 Main Street, Point Cook, Melbourne, VIC, 3030, AU
Telephone: 0435 393 623

One Loan. One Payment. Less Stress.

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Our 5-Star Google & Facebook Ratings reflect clients’ satisfaction, positioning us among Melbourne’s most trusted mortgage brokers!

Debt Consolidation Made Simple At VOXFIN!

Lower Interest Rates

Save $200-$500 per month

One Single Payment

Stop juggling multiple debts

Clear Debt-Free Timeline

Know exactly when you are done

Bad Credit Accepted

Defaults and low scores considered

Low-Doc Options Available

Self-employed friendly

Fast Approval Process

Approved within 48 hours

VOXFIN’s 5-star rated debt consolidation specialists are trusted by Australians to consolidate credit cards, personal loans, and payday debts into one manageable repayment. We help even when banks say no! Debt consolidation solutions have always been one of our specialist areas, and we have helped hundreds of Australians with the same.

What Is Debt Consolidation?

Debt consolidation combines multiple debts – credit cards, personal loans, payday loans, buy-now-pay-later services – into one single loan with one monthly payment.

Combine all your debts into a single repayment with a lower interest rate. The goal is to simplify your finances, reduce interest costs, and help you become debt-free faster.

How it helps?

Instead of managing 5-10 different creditors with varying rates (credit cards at 20%, payday loans at 50%), you have one loan at a competitive fixed rate.

Who it is for?

Anyone struggling to manage multiple debts, paying high interest rates, or simply wanting to regain control of their finances. We help both salaried and self-employed individuals alike – with tailored solutions.

One due date to remember. Lower monthly repayments.
A clear timeline to being debt-free.

Bad credit and low-doc options are available across Australia.

Calculate Your Savings

What Debts Can You Consolidate?

You can use debt consolidation to pay off any kind of debt or bring multiple smaller debts together into one single personal loan. We help consolidate up to $75,000 to cover various debts.

Common debts we consolidate

Credit card debt (high-interest revolving credit)

Personal loans from banks or finance companies

Payday loans (short-term high-interest loans)

Buy-now-pay-later services (Afterpay, Zip, etc.)

Store cards and retail financing

Outstanding car loans

Utility bills and medical expenses

What Are the Benefits of Debt Consolidation?

Lower interest burden and improved savings.

Easy-to-manage budgeting and reduced risk of missed payments.

A debt-free timeline with a structured loan term (3-7 years).

Improved cash flow for living expenses, savings, or emergencies.

What are the Eligibility Criteria?

Basic requirements

At least 18 years old
Australian citizen or permanent resident
Active employment or receive pension/Centrelink payments
No defaults (paid or unpaid) or active payday loans are preferred
Centrelink can be used as a secondary income or a regular primary income
Not be a current or prior bankrupt

Income sources we accept

PAYG employment (full-time, part-time, casual)
Self-employment and business income
Centrelink (as primary or secondary income)
Pension income
Contractor and casual work income

Want to check your eligibility?

Book a quick consultation with our expert debt consolidation specialists!

Schedule a Call

Bad Credit Debt Consolidation

As Melbourne’s leading debt consolidation mortgage broker, we work closely with you to understand your personal and financial situation and find the best consolidation solution. We have solutions for every situation.

Eligibility

You should have no active payday loans

Defaults should ideally be paid or have payment arrangements

Not be a current bankrupt or party to a court judgment

We offer debt consolidation for people with

Bad credit scores and defaults

Past missed payments or arrears

Previous financial hardship

Debt agreements

Low credit ratings

What matters most?

Your current ability to repay. If you are employed or receiving regular income (including Centrelink) and can demonstrate you can afford the consolidation loan repayments, approval is possible.

Even if banks have said no, we are specialised in complex situations.

We have been helping Australians consolidate debt when their standard banks or lenders have rejected. VOXFIN’s free, confidential assessment, with no upfront fees, makes all the difference.

Speak with debt consolidation experts today!

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Low-Doc Debt Consolidation Loans

Self-employed, contractor, or casual worker?

Low-doc debt consolidation loans assess your ability to repay using bank statements rather than requiring full tax returns or complicated financial documentation.

Who needs low-doc options

Self-employed business owners
Contractors and freelancers
ABN holders without recent tax returns
Casual workers with variable income
Anyone who can’t provide traditional income documentation

What do you need

3-6 months bank statements showing regular deposits
ABN/business registration (if applicable)
Proof of ID (driver’s license)
List of current debts you want to consolidate

Want to explore your low doc options?

Book a FREE Consultation

VOXFIN’s 5-Step Debt Consolidation Process

Assessment

We review all your current debts – amounts, interest rates, and repayment frequencies.

We calculate your total monthly outgoing to understand your complete debt picture.

Find Better Rates

We compare your current debt costs against consolidation loan options from 40+ lenders.

Most clients save significantly on interest and monthly repayments.

Single Application

One loan application covers all your debts.

We handle the paperwork and lender negotiations on your behalf to secure the best possible rate.

Pay Off Debts

Once approved, the new loan pays off all your existing creditors directly.

You are left with just one repayment to one lender.

Simpler Finances

One monthly payment at a lower rate.

Clear timeline to becoming debt-free (typically, 3-7 years).

Stop letting multiple debts control your life. Let us show you a more affordable path to being debt-free.
Time to take complete control of your debt!

Get a free debt consolidation assessment – 100% obligation-free.

Call 03 7065 2000 to Apply

For debt consolidation, you are choosing VOXFIN for:

No Hidden fees
Fast application process
Simple and flexible products
Lowest interest rates in Australia
Personalised debt consolidation solutions for you
The best debt consolidation broker in Australia will guide you

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Frequently Asked Questions (FAQ)

Questions and queries related to Debt Consolidation Loans

HOW MUCH CAN I BORROW, AND WHAT WILL MY REPAYMENTS BE?

You can find the estimated repayments for your loan by using our loan calculator. Simply enter the amount you want to borrow and the duration of your repayments to get an estimate.

HOW CAN I MANAGE MY DEBT CONSOLIDATION LOAN?

Our online platform allows you to easily keep track of your upcoming payments, access payment information, and regain control of your finances with peace of mind.

WHAT KIND OF DEBTS CAN I USE THE MONEY FOR?

You can use the loan to pay off any kind of debt or bring multiple smaller debts together into one single personal loan. You can access up to $75,000 to cover various debts.

WHAT EXACTLY IS A PERSONAL LOAN AND HOW DO I GET ONE FOR DEBT CONSOLIDATION?

We provide personal loans for various needs through our unsecured personal loan service. Our debt consolidation loans have a fixed interest rate, and you can choose a loan amount and term that suits your repayment capabilities.

Will debt consolidation hurt my credit score?

Taking out a debt consolidation loan will not hurt your score significantly because you are paying off everything you owe. Your score may drop temporarily when you apply, but once you start making consistent repayments, your credit rating will improve.

Can I choose which debts to consolidate?

Absolutely. You can choose which debts you want consolidated. You can consolidate all debts or leave some out, whichever works best for you.

How long does approval take?

Most applications are assessed within 48 hours. Once approved, funds are typically available within 3-5 business days.

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WILL A DEBT CONSOLIDATION PLAN BRING HARM TO MY CREDIT RATING?

Taking out a debt consolidation loan won’t hurt your score in any significant way because you are basically paying off everything you owe. Indeed, when you start consolidating your debts (either taking out a loan or going for a consolidation company), your score will go through a temporary drop; however, once you start paying everything off, that credit rating will eventually go up again.

CAN I CHOOSE WHICH DEBTS I WANT TO CONSOLIDATE?

Yes, you are allowed to choose the debts that you want to be consolidated. You can opt for consolidating all of your debts, or you may leave some of them out – whichever you want.

HOW CAN DEBT CONSOLIDATION LOANS HELP WITH MY PAYMENTS?

Well, for one, if you get a debt consolidation loan, it helps you by putting all of your payments in one place – so you will no longer have to lose time and go to different banks and lenders. Since it will all be in the same place, it should be done very quickly.

Secondly, it will help you in the matter of interest. If you have multiple loans, you also have variable interest rates that you have to pay off. Cumulated, that will cost you a lot in the long run. While debt consolidation loans may have a higher interest rate, it will still be more convenient when compared to having multiple ones. Even 1% will help you save money, especially if you have a long payment plan ahead of you.

HOW LONG WILL IT TAKE FOR ME TO PAY OFF MY DEBTS?

The duration of your debt consolidation plan will depend on several factors. First is the amount of money that you have to pay; the more you owe, the more time it will likely take to pay. Secondly, it will also depend on how much you can put aside every month for the loan. The more you can afford, the faster you’ll be able to pay off your debt.

The average of every loan payment is four years (not including mortgages, which take longer), but you can settle for anywhere between two to seven years, depending on the lenders policy.

What if I get rejected for debt consolidation?

We work with 40+ lenders, including specialists in bad credit lending. If one lender declines, we approach others. We will be honest about your approval chances upfront.

How long will it take to pay off my debts?

The duration depends on the loan amount and how much you can afford monthly. Average loan terms are 3-7 years. The more you can put aside monthly, the faster you will be debt-free.

Why choose us?

We understand the importance of earning your trust in the guidance provided by the expert debt consolidation loan broker at VOXFIN. We can assist you with all types of debt consolidation loans as well as all other financial lending needs, such as home loans, refinancing home loans, car loans, commercial loans, and insurance.

Additionally, we can assist with organising financing to start or grow your business and fund your assets.
About Us

Expert debt consolidation finance brokers at VOXFIN are here to assist you with all types of financial needs. We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.

We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate.

About Us

Australians have trusted us as expert home loan mortgage brokers for all types of their loans and mortgage needs such as first home buyer loans, refinancing home loans, agribusiness loans, business loan brokers, commercial loan brokers, car loan brokers, asset and equipment finance brokers, SMSF property loans, property development finance brokers, business car loan brokers, bad credit score lenders, medical professionals’ loans, personal loan brokers, and many more to help them find the suitable loans to finance their property dreams.
About Us

Get a Free Consultation

info@voxfin.com.au

03 70652000|0435 393 623

At VOXFIN, we are committed to offering the best debt consolidation deals. We talk to clients who are paying large repayments on their many debts daily. It’s compelling, and we want to help Australians save money on their repayments so the money goes further for them.

This ensures you can confidently make an informed decision, knowing you have our full support. We’re here to secure the lowest interest rates on your debt consolidation, making the process as smooth and convenient as possible.

What Our Customers Say

Gurdeep Kumar at VOXFIN is a great professional and has deep financial knowledge. He helped me purchase my property under an SMSF. Gurdeep is an expert in SMSF property loans. As an investor, I know SMSF property loans are a lengthy process. From start to settlement, the process was well-informed. Highly recommend Gurdeep Kumar and it’s team at VOXFIN.

- Ketan Patel

Thanks to Gurdeep, He is an extra ordinary knowledgeable person with complete grip on ongoing market situations. I sought help from him and he has gone an extra mile.
Highly recommended.

- Haris Khan

VOXFIN is awesome! Gurdeep is super helpful and knows his stuff. He made the whole process simple and guided me step-by-step with great advice. He got me the lowest rate for my land and construction home in Brisbane. Highly recommend Gurdeep and VOXFIN for home loans and financial needs

- Maria Thomas

VOXFIN is the best! Gurdeep is friendly, knowledgeable, and made everything easy to understand. He got us an amazing rate for our land and construction home in Brisbane. Couldn’t have done it without him! Five stars all the way!

- Shino Varghese

Gurdeep at VOXFIN is fantastic! He helped me get a personal loan with the lowest interest rate, making the process smooth and stress-free. Gurdeep is quick, efficient, and highly professional. Highly recommend VOXFIN for personal loans in Melbourne!

- Aditya Mushnuri