Debt Consolidation Loans
Won’t impact your credit score
Get a rate in 2 minutes
Fast and easy completion on your phone
Benefits
A debt consolidation loan can combine eligible credit cards, personal loans or other debts into one structured repayment. This may make due dates easier to manage and give you a clearer path towards reducing the balance.
Consolidation works best when it is paired with a budget and does not lead to new spending on cleared accounts. Compare total repayments over the full term, not only the weekly or monthly amount, before deciding whether it improves your position.
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Debt Consolidation Loans
1
Check your rate without impacting your credit score
View your personalised rate in around two minutes without affecting your credit score, helping you understand your options before committing to an application.
2
Complete your application online
Finish your application through a straightforward online process and receive a fast response, so you are not left waiting for updates.
3
Access approved funds quickly
Once approved, funds are typically available within 24 to 48 hours, helping you move ahead with your vehicle purchase sooner.
Combining eligible debts may reduce the number of repayments you manage, but a longer loan term can increase the total interest paid even if the regular repayment is lower.
NOW Finance offers flexible personal loans through a transparent online process. Compare the rate, term and total repayable amount, and plan to close or reduce access to cleared credit accounts where appropriate.
NOW Finance offers flexible options, competitive rates and a transparent online process designed to help you get on the road sooner. Whether you are exploring debt consolidation loan options in Adelaide or looking for something else, you can check your personalised rate online now.
Rate Snapshot
personal loan rates from:
Interest rate:
5.95%
Comparison rate:
Understand Your Borrowing Power in Adelaide
Personal Loans Repayment Calculator
Estimate your repayments in seconds.
Understand Your Borrowing Power
Repayment Calculator
Estimate your repayments in seconds.
Don't know your credit score? Click here to find out.
There are various credit reporting agencies that can hold different information and scores. NOW Finance uses Equifax to determine your credit score and interest rate. You can access your Equifax credit report and credit score by visiting: www.equifax.com.au/personal
**The interest rate and repayment amounts used in this calculator are estimates only. These are based on the loan details and credit score you have provided here, which may be different to the credit score obtained if you submit an application. The final interest rate you are offered may differ once you have completed a loan application and we have assessed your personal circumstances. Applications for finance are subject to NOW Finance’s lending and approval criteria.
Need a loan for a different purpose? See our other loan services here.
Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.
It’s quick, secure, and paper-free, from your quote to your cash.
It takes 2 minutes to get your personalised quote without impacting your credit score.
Complete your online application and get a response in 2 minutes.
Access your funds within 24-48 hours of being approved.
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Get your personalised quote in 2 minutes
Apply online in 10 minutes, with funds as soon as 24-48 business hours.