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1800 861 247

Consolidation

Reduce Debt Stress with One, Easy-to-Manage Repayment

Consolidate Your Debts

Are you currently feeling swamped with personal debt? Finding it difficult to stay afloat? Do you have little money left to yourself after paying the bills each month? Unfortunately, many Australians who are overwhelmed with debt can find themselves missing monthly repayments. This difficult situation can lead to a default on your credit score.

At Revive Financial, we can combine your debts and alleviate debt stress with a debt consolidation loan. Multiple debts such as personal loans, credit cards and mortgage repayments can be consolidated by rolling all of your existing personal debts into one, easy-to-manage loan. Debt consolidation can help you better manage your debt repayments, reduce the interest you have to pay and the associated fees.

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Benefits of Debt Consolidation

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Case Study

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Results

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USP CTAs

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Frequently Asked Questions

How can Debt Consolidation help me get out of debt?

Having several credit cards and personal loans can be overwhelming, especially when it comes to managing the repayments. Consolidating your debts to have one manageable repayment removes the stress and confusion associated with keeping track of multiple debts. It also allows you to deal with just one lender, instead of multiple.

How do I know if I need Debt Consolidation?

Debt consolidation is a great way for many people to get out of debt. But it’s not for everyone. A debt consolidation loan will work for you if you are struggling to pay down your debts because you have multiple outstanding unsecured debts. Unsecured debts include credit cards, store cards and personal loans.

How will Debt Consolidation affect my credit score?

Generally, applying for a debt consolidation loan will not immediately affect your credit score but should have a positive effect in the long run if you maintain a good repayment history. It will also make it easier for you to avoid payment defaults, which do harm your credit score.

Keep in mind that applying for multiple loans and being rejected will negatively impact your credit score. So you should only apply for credit if you are confident the lender will approve your application for finance.

Which debts can I consolidate?

You can consolidate your unsecured debts. Unsecured debts include personal loans, credit cards, or any bills for services you no longer receive. For example, you can include an unpaid bill from an old phone service.

You can also consolidate secured debts, such as your home loan, as long as there is enough equity in the underlying asset. This type of debt consolidation is commonly referred to as mortgage refinancing.

I’m on a Centrelink payment, do I still qualify for Debt Consolidation?

Generally, yes. Centrelink can be classed as a genuine income and can be used as income to assess your serviceability for a debt consolidation.

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How Can We Assist You Today?

Business Debt
Personal Debt
Please select an assistance option to continue.

What Kind of Debts Do You Have?

Credit/Store Cards
Personal Loan
Pay Day Loan
Tax Debt
Utility Bill
Other
Please select at least one type of unsecured debt.

How is Your Business Structured?

Sole Trader
Partnership
Pty Ltd Company
Trust
Please select at business structure to continue.

How Much Money Do You Owe?

$10,000
$1,000
$100,000+

How Much Money Do You Owe?

$100,000
$10,000
$1,000,000+

Find Out How To Reduce Your Debt

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Congratulations

You've taken the first step to becoming debt free

Let's keep the momentum going, take the second step now and complete the assessment form.

Congratulations

You've taken the first step to becoming debt free

Let's keep the momentum going, take the second step now and complete the assessment form.

By submitting this form you acknowledge that you have read and accept our Privacy Policy

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