80+ lenders, one application
We compare the panel in one process to find a consolidation loan that suits your balances, budget and available lender options.
108 reviews 5.0
Debt consolidation loans. One payment.
Bring your repayments into focus. We’ll compare suitable options from our 80+ lender panel and explain fees, loan terms and total costs before you switch.
- Review cards and existing loan balances
- Explore one regular repayment
- Compare fees, term and total cost
Car loan
12.59% p.a.
$780/ month
Personal loan
22.99% p.a.
$560/ month
Credit card
$20,000 limit$10,000 owing
$560/ month
One loan
9.5% p.a.
$1,020
per month
Illustrative figures only, not a loan offer. Actual repayments depend on the balance, term, rate and fees. A longer term may lower repayments but increase total interest.
What have you got planned?
Let’s help you fund it.
Borrowers come to us to bring together debts like:
High rate credit cards and store cards
Personal and unsecured loans
Buy now pay later balances
Car and vehicle finance
Overdrafts and lines of credit
Outstanding tax or ATO debt
Medical, dental and unexpected bills
A mix of small debts across several lenders
What people commonly use it for
The stated debt consolidation loans purpose helps establish a supportable amount, repayment period and evidence list.
- credit-card balances
- personal loans
- buy-now-pay-later accounts
- small consumer debts
- repayment simplification
Documents that explain your position
These records show how the proposed debt consolidation loans repayment fits beside income and expenses and where the funds will be used.
- current statements
- payout figures
- credit report
- payslips
- bank statements
- monthly budget
Checks that decide whether it fits
A lender uses these debt consolidation loans checks to decide whether the proposed repayment appears affordable and the request meets its rules.
- total balances
- interest rates
- remaining terms
- discharge fees
- new total cost
- account closure plan
Have something in mind? Let’s talk finance.
Get my free quoteDebt consolidation.
More options. Less legwork.
Juggling a credit card here, a personal loan there, a buy now pay later balance and a store card is exhausting, different rates, different due dates, and a real risk of missing one. Debt consolidation rolls those balances into a single loan with one repayment. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders to find a consolidation loan that fits.
One rate, one date
Replace a handful of due dates and rates with a single fixed repayment that's simple to plan around.
Potential to cut interest
Depending on what you're paying now, rolling high rate debts into one loan may reduce your total interest, we'll show you the maths.
Why choose X Lend for debt consolidation?
Bringing eligible debts under one finance option can create one rate, one due date and a clear repayment end point. Consolidation may also reduce total interest when the new rate, fees and chosen term produce a lower total cost.
We explain the numbers in plain English, show you honestly whether consolidating stacks up for your situation, and only submit a formal application once you're happy to proceed. Getting an indicative quote never touches your credit file, so you can weigh it up with no pressure.
A clear end point
A fixed term gives you a defined payoff date, so your debt stops feeling like a moving target.
No early exit traps
We favour lenders that let you pay out early or make extra repayments without nasty fees, so you can clear it faster.
Honest, upfront answers
We tell you whether consolidating genuinely helps before you apply, so a quote never costs you a credit enquiry.
Consolidating won't magically erase what you owe, but a single lower rate repayment can simplify your budget and, in many cases, reduce the interest you're paying. We'll run your actual numbers so you can see whether it's worth it before you commit.
Work out your repayments.
Then find your finance.
Try an amount and term for your debt consolidation. When you’re ready, we’ll compare the options available to you.
Debt consolidation repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
Several high-rate debts and maxed credit cards were consuming the customer's monthly cashflow, making it difficult to reduce principal or rebuild savings.
Debt consolidation · Regional NSWSeveral high-rate debts consolidated into one repayment
Approved on the first lender enquiry and settled, reducing the average interest rate by about half and materially improving monthly cashflow.
- 3 days turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for debt consolidation. Your broker helps you prepare the application.
What do lenders look at for debt consolidation?
A debt consolidation loans assessment connects the exact purpose and amount with verified income, regular expenses and credit history. The sections below show the records and decisions that matter for this particular request.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for debt consolidation, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include high rate credit cards and store cards.
- 02
We do the lender research
We help organise current statements and payout figures and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange debt consolidation, with a broker to explain your options.
A lower scheduled repayment can result from a longer term and may cost more overall. Include discharge costs, establishment fees and any debts that cannot be consolidated.
Calculate the break-even point
Add the new facility's fees and any discharge costs, then compare total repayments over the proposed term with the remaining cost of existing debts.
Protect the improved cash flow
Consolidation does not address the cause of recurring debt. A realistic budget and account-closure plan can be as important as the new facility.
Debt consolidation decision comparison
| Question | Why it matters | What to compare |
|---|---|---|
| Is the repayment lower? | A lower repayment may improve monthly cash flow. | Check whether the term has been extended and calculate total repayments. |
| Is the rate lower? | A lower rate can reduce interest, but fees may offset the saving. | Compare the comparison rate and all establishment or discharge costs. |
| Will accounts be closed? | Leaving repaid credit open can make it easier to rebuild balances. | Decide which facilities should be closed and confirm the process. |
How to choose an amount and term that make sense
A useful consolidation comparison measures the new total cost, term and fees against every account being repaid. The account-closure plan supports the intended reduction in ongoing commitments.
Compare the debt consolidation loans repayment, upfront and ongoing fees, term, early-payout rules and total amount repaid together. Extending the term may reduce each payment without reducing the overall cost.
What makes the application easier to assess
Income documents for debt consolidation loans need to match the way the applicant is paid. The lender compares verified income with living costs, other debts and credit-card limits when testing the new repayment.
A clear debt consolidation loans purpose and itemised cost list show where the funds will go and whether the requested amount matches the actual expense.
What should I have ready before applying?
- List every balance, rate, repayment and remaining term.
- Include establishment and discharge costs.
- Compare the first monthly amount with total repayments across the term.
- Consider free financial counselling if repayments are already unmanageable.
How we can help.
Illustrative examples of how we approach debt consolidation.
Multiple repayment dates
The customer manages several debts with different due dates and rates.
How your broker helps
We build one debt schedule and compare a single finance option against the combined current repayments and total cost.
What to have ready
Statements, payout figures, credit limits and the customer's monthly budget.
A lower repayment created by a longer term
The proposed consolidation improves monthly cash flow and extends the repayment period.
How your broker helps
We show the repayment benefit together with total interest across the full term so the customer can choose with complete figures.
What to have ready
Existing loan schedules and side-by-side repayment calculations.
Recent arrears now stabilised
A short period of arrears has been followed by consistent current conduct.
How your broker helps
We explain the cause, confirm the recovery period and select lenders whose policy can assess that timeline.
What to have ready
Account statements, proof of resolved arrears, bank statements and current income evidence.
A word from your broker.
At X Lend, we first make the purchase amount, purpose and comfortable repayment clear. We then compare suitable panel options on the same term and fee basis, explain the total cost and ask the customer to approve the selected lender submission.
Let’s compare your options.
Get my free quotePut your plans in motion.
Keep more cash in reserve.
See how arranging finance compares with waiting or paying the full cost upfront.
With debt consolidation
Combine eligible debts into one clearer repayment and due date.
Compare the new total cost, fees and loan term before proceeding.
Create a simpler repayment structure that is easier to track.
The cost of waiting.
Multiple repayments and due dates can remain difficult to manage each month.
Higher cost eligible debts may continue accruing interest while no change is made.
Missed or late repayments can continue adding fees and financial pressure.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
debt consolidation.
Your debt consolidation questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare a panel of 80+ banks and nonbank lenders and place your consolidation loan with the best fit for your situation.
Will consolidating actually save me money?
It can, but it isn't guaranteed. If you're rolling high rate debts into a lower rate loan it may reduce your total interest, but that depends on your current rates, the loan you qualify for and the term you choose. We'll run your real numbers so you can see before you commit.
How does debt consolidation work?
You take out a single loan that pays eligible existing balances and then make one repayment on one date. The balance remains repayable under the new loan and the schedule can make it simpler to manage.
Can you help if I've had credit issues in the past?
Often, yes. Our nonbank lenders consider applications the major banks decline. We're upfront about what's achievable so you don't waste a credit enquiry.
Will checking my options affect my credit score?
No. Getting an indicative quote doesn't touch your credit file. A formal application involves a credit check, but we only lodge once you're happy to proceed.
What brands, models or purposes can debt consolidation cover?
Common examples include credit-card balances, personal loans, buy-now-pay-later accounts, small consumer debts, repayment simplification. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support debt consolidation?
A lender may ask for total balances, interest rates, remaining terms, discharge fees, new total cost, account closure plan. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex debt consolidation application?
For debt consolidation, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026