Debt Consolidation Solutions Across Australia
One Loan. One Payment. Less Stress.
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
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.
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!
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!
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?
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.
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
Frequently Asked Questions (FAQ)
Questions and queries related to Debt Consolidation Loans
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.
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.
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.
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.
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.
Absolutely. You can choose which debts you want consolidated. You can consolidate all debts or leave some out, whichever works best for you.
Dummy
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.
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.
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.
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.
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.
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?
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.
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.
