debt consolidation

consolidate your debts, save time and money

Consolidate your personal debt to bring all your smaller loans together into one loan. You could end up paying less in interest and fees.

A Debt Consolidation loan is designed to combine all your outstanding credit debts into one loan with one regular repayment that is easy to manage. By having one loan repayment, you will be able to comfortably take care of your other commitments such as the cost of living and expenses whether expected or not.

At nmoni our debt consolidation loans aim to place you in a better financial position. It will improve your financial stability and help you save on excessive fees and charges. It can also act as a catalyst in improving your credit file.

We understand that sometimes situations do get out of control therefore we take each loan application on case by case basis.

To be eligible for a debt consolidation, you must either have a good credit score or can offer a property as security. We do not offer unsecured debt consolidation loans to clients that have bad credit history and/or have more than 2 small loans under $2000 within the last 90 day period.

Minimum eligibility criteria include 18 years or over in Age, Permanent Australian Resident and Employed with a regular income. Centerlink benefits can only be considered as a secondary income.

Apply online now for a debt. consolidation loan.

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How we find great rates

1. Complete our online application

10 minutes is all it takes.

2. We search for the best lenders

We go to work to find the best deal for your situation from a panel of over 35 lenders.

3. Choose your loan

Choose your preferred lender with complete transparency of rates and fee's.

4. We send you the money!

Review and sign the loan documents and we transfer the money within 24 hours.

Use the nmoni advantage to save

We compare, you save

We'll find a great deal from our panel of over 35 lenders.

Low rates

We use our 20 years of experience and cutting edge technology to find you the lowest possible rate for your circumstances

Protect your credit score

Applying for a loan won't impact your credit score until you are ready to proceed.

No nasty surprises

All fees and charges are fully disclosed upfront so you know exactly what is going on and what it’s going to cost.

Easy. Apply in 10 minutes.

We’ve built a simple, easy and secure online system to fast track your loan request.

Speedy decisions

We can provide approvals within a few hours.

Fast Funding

Get your funds the same day.

Flexible loan repayments

To suit you and your situation.

Bad credit history considered

We look beyond your credit score to understand your situation.

Ready to get started?

Apply anytime, any where