Consolidate Your Debts and Save
When debts start piling up, they become a lot harder to manage and it can be quite stressful. Use our Debt Consolidation Calculator to help work out how you could combine your unsecured debts into one, affordable payment, reduce stress and get your finances back on track.
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Based on an interest rate of 10% p.a.
Trying to manage multiple debts can be difficult. Consolidating your debts into a single payment could make it easier to manage.
Calculator Disclaimer
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan or product. Results are based on information you have provided and does not take into account your personal circumstances. Using this calculator does not guarantee you will be eligible for a loan. You will need to satisfy your lender’s lending criteria. This calculator is not intended to be your sole source of information when making a financial decision. It is advised that you consult a professional financial advisor before taking out a loan.
Benefits of Debt Consolidation
Simplify Repayments
Simplify RepaymentsIt can be difficult to keep track of multiple credit card and personal loan repayments. Combining your debts into one place gives you the ability to keep track of your repayment obligations with just one amount, interest rate and repayment date.
Improve Your Credit Score
Improve Your Credit ScoreWhen you consolidate your debts into one loan, all other debts are marked as paid and you remain with just one debt on your credit report. As long as you keep up with your repayments, this will help to maintain and potentially improve your credit score.
Reduce Interest
Reduce InterestCredit cards and personal loans generally come with high interest rates. With a debt consolidation loan, the overall interest you pay will generally be less than what you were paying on your credit card or personal loan.
Stop Debt Collectors
Stop Debt CollectorsConsolidating your debts into one, manageable repayment will stop harassing phone calls from creditors and debt collectors. Maintaining the repayments on one debt consolidation loan tailored to your budget will ensure you don’t fall behind.
"A Sliver Lining. A divorce left me with a huge amount of debt from my ex's business. All my earnings were spent on repaying the debts. I couldn't sleep worrying about how I would pay the next bill. Debt Rescue worked out a way for me to repay my debt and live again."
Our Services
Our professional team understands each person’s circumstances are different, which is why we offer a range of creditor agreement options under the Debt Management Plan. This ensures the outcome achieved for you is suitable and sustainable. A summary of our Debt Management options:
Debt Agreement
A Part 9 Debt Agreement is a legal and binding agreement with your creditors. A Debt Agreement outlines a new payment arrangement which will reduce your debts, pause your interest, reduce your payment amounts and generally last between 3 to 5 years.
Debtstroyer Agreement
A Debtstroyer Agreement (Informal Agreement) aims to reduce repayments and pause or reduce interest on your debts. It is a private arrangement directly between you and your creditors to ensure your debts are manageable based on your budget.
Debt Settlement
Debt SettlementIf you have access to a lump sum which is not sufficient to repay your outstanding debts in full, a Debt Settlement may help. It is designed to waiver or reduce debt amounts to allow final settlement with your creditors.
Agribusiness
AgribusinessAn Agribusiness arrangement is a specific arrangement for those caught up in failed agribusiness loan schemes. It can take the form of a long-term payment arrangement or lump sum settlement, depending on your individual circumstances.
Moratorium
MoratoriumA Moratorium is a short term arrangement with creditors (secured or unsecured) which pauses or significantly reduces repayments and interest over a period of 3 to 12 months.
Loan Renegotiation
Loan RenegotiationLoan Renegotiation is a renegotiation of current loan terms and conditions to reduce interest, increase the loan term with ultimate outcome being a reduction in the minimum loan repayments.
