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Let us find you a low rate loan to consolidate your debt into one.

Sometimes life throws us curve balls, unexpected expenses and changes to our financial situation that can result in us having a couple of different loans or debts. An Unsecured Personal Loan can be a great option if you want to consolidate your debts such as store cards, lines of credit, credit cards, car or other personal loans into one easy monthly payment.

HOW DEBT CONSOLIDATION WORKS

Paying off multiple debts can be stressful, can feel overwhelming or complicate the weekly management of your cash flow.  Debt Consolidation works in a way that you take out one single loan for an amount that will pay out all of your existing debts, leaving you with just the one loan to repay each week/fortnight/month.  If the interest rate on the new Unsecured Personal Loan is lower than that of your current debts (such as high interest credit cards), consolidating can help you get ahead by reducing the overall interest amount payable.

Before taking out an Unsecured Personal Loan for debt consolidation, you should first investigate the following to help determine if you are going to be financially better off:

  • Review the interest rates of your current debts
  • Find out the ‘Payout figure’ of any existing loans or credit cards
  • Review any fees or charges applicable for paying or cancelling any of your existing debts
  • Speak to a Finance Specialist to determine what interest rate and loan amount you are eligible for.

 

Benefits of an Unsecured Personal Loan for debt consolidation:

Potentially lower interest rates
Repayments could be easier to manage
Could save you money and stress
Can give you a clearer financial picture
How our rates compare
We access some of the industry's lowest rates and will always get you your best rate finance.

How our rates compare

We will always get you the best rate
360 Finance
9.59%*
ANZ
11.87%*
Westpac
14.14%*
St George
9.60%*
CBA
13.86%*
BOQ
11.71%*
Suncorp
10.58%*
RACQ
13.25%*
CUA
11.99%*
* The comparison rate helps you work out the total cost of a loan (including fees and charges) and to compare different loans. Data current as of 01/11/2018. Click to view data sources. Chart for illustrative purposes only. For further information on comparison rates, speak to one of our Finance Specialists.

At today's lowest personal finance rate of 7.95% (Comparison rate 9.59%) you'll pay approximately...

$ per *

At today's lowest personal finance rate of 7.95% (Comparison rate 9.59%) you can borrow approximately...

$*

Our customers & people


"Living life upgraded. Second purchase with 360 Finance!"
Sue G, Queensland
"Thank you 360 Finance for all your help. Finance has allowed my family to buy a brand new family caravan to travel this amazing country. #lifeupgraded "
Craig P, Queensland
"Thank you 360 Finance for another successful purchase with low interest and fantastic service!!!!"
Michelle W, Queensland
"New Car! Toyota Prado. Life Upgraded!"
Emilie D., New South Wales
"Here’s a pic of my new ride all washed up - I had a blast on my new stead. Thanks Leanne and 360."
Nathan S, Victoria
"So in love with my new car thanks to John at 360 Finance. I'm so happy with my Honda Civic RS Turbo. 360 Finance were great and totally recommend them. So a big thank you again."
April G, Queensland
"Thanks 360! I was blown away by the low rate finance and insurance I got compared to what I could find myself."
Karyn E, Northern Territory
"The kids are loving their new Taxi! Cheers Kyle and 360 Finance."
Lauren M, New South Wales
"We can’t wait for adventures in our new camper van, making memories with our two beautiful girls. Thanks 360!"
Skye C, South Australia
"Kim at 360 got me my Ute, Jetski and now a Mustang! She is a champ at her job and was very helpful. "
Chris R, Queensland
"Thank you Kevin at 360 for assisting us with our new car finance. Fast and easily approved."
Rhea P, South Australia

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