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Debt Consolidation Loans

Discover how to reduce your payments

We specialise in helping people just like you with debt consolidation loans and debt consolidation finance. If you have a demonstrated history of good repayments and nothing has changed since your last application, you can often get approved with a minimum amount of fuss. We specialise in debt consolidation loans and our aim is to make the process as simple and easy as possible for everyone.

It’s easy if you know how

We make approvals easy because we start with the basics when we provide debt consolidation loan information, we ask you what you want to do and how much you want to consolidate – you can consolidate all or some of it. These simple details can make a big difference to your final quote. We’ll also explain the things you can look out for that will bring the debt consolidation finance cost down. We’ll even check your credit report as this may help you get you a better deal. From there, we look at your personal financial situation and compare suitable options. After that, we present them in an easy to understand, written quote.

Debt consolidation loan approvals

When we provide debt consolidation loans and finance, we do the paperwork for you. In addition, we sell your loan to the lender. Emphasising all the reasons why your loan should be approved is a very important part of our job. If you need a debt consolidation loan, then request a Quick Quote now.

Approvals – we make that easy too

Our team are experts in making the paperwork for debt consolidation loans run smoothly too, that’s why so many people choose us. All you have to do is make sure you are happy that the paperwork meets with your requirements. And then wait for our call to tell you it’s all been consolidated. We make process for debt consolidation loans, as simple as 1-2-3.

Lenders you can trust

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How we can help you

You Can Finance, part of You Can Group, specialises in helping everyday Australians, tradies and business owners to finance cars, trucks, motorbikes, equipment, caravans, boats, jet-skis and other business equipment.

Australian Credit Licence (No. 511531)
FBAA Accredited Member (No. M-342583)
AFCA Member (No. 62643)

Our clients are saying

Amazing service, Michael Is very helpful

Everything was made very clear and it was a very simple and smooth process thanks to Michael

- By Brianna Cotton 2 years ago

Fast and reliable

Michael was extremely helpful and guided me through the personal loan process in a timely way to help find an affordable product. I had some issues with submitt…

- By Roo Shannon 2 years ago

Amazing Experience 👏

Michael was amazing 👏 went above an beyond to get our finance for the new car. The first day I call him he was so helpful and had so much knowledge in finan…

- By Cassandra Formosa 2 years ago

Happy Customer

Michael made the process very smooth, effortless and quick compared to other financial institutions.

- By Lea-ann Ortolani 2 years ago

Yes, You Can Finance.

Our request for a debt consolidation loan was not a straight forward matter considering our personal circumstances. However after receiving our initial applicat…

- By Anonymous 3 years ago

Client Feedback

I would 100% recommend You Can Finance to anyone wanting to get a loan. This was my first time getting a loan out and it’s was a lot more stress free then I t…

- By Brinlee Hartwig 3 years ago

You Can Finance is rated 5 for customer satisfaction by 42 customers

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Questions

How can I get a great debt consolidation loan?

The right debt consolidation loan for you will come down to your individual circumstances. There is no ‘one size fits all’ answer. When comparing debt consolidation loans, factors such as how long you want to borrow the money for and whether you want to pay it out early can also weigh in on the final choice you’ll make.

How much can I consolidate?

That’s exactly what we can help you with – request a Quick Quote now and we’ll let you know within a few minutes. You may have been declined and told you were unable to afford the loan. A good broker should be able to give you a reasonable idea of what you can afford before you put in an application – just ask and we can help.

How long does it take to get a debt consolidation loan?

If you have your paperwork handy, from the time you complete the Quick Quote form to the time you are approved, can be less than 4 hours. Realistically, we know from experience that many people are often at work or have other more important things going on (i.e. the kids are screaming in the background), so by the time most people are typically ready to get things moving, allowing 24-48 hours is a good place to start. We can move things as quickly or as slowly as you want – the choice is yours.

What kinds of things do I need to provide to get an approval?

These days, with internet banking, if you work for someone else (e.g. PAYG), you really only need to start by sending us your 2 most recent payslips and a copy of your photographic ID (i.e. Driver’s Licence). If you’re self-employed and hold your own ABN, just start by sending us a copy of your Driver’s Licence. If we need anything else from there, we’ll let you know exactly what the lender requires as it varies considerably depending upon your circumstances. Generally, a self-employed application is a very straight forward and easy process.

I have bad credit, can I still get a debt consolidation loan?

Yes, there’s not much we haven’t seen. We are experts in getting loans approved when they have been declined elsewhere. We have been helping people with bad credit for over 20 years.

I am self-employed, does this make a difference?

Yes, it can sometimes mean that your interest rate will be even cheaper. It’ll depend upon your individual circumstances.

Hints and tips

Can a broker improve my credit rating?

Each time you put in an application and it gets declined, it generally counts against you. An experienced broker will never lodge a loan application unless they are pretty sure it meets all of the lender’s criteria for approval prior to submission. If the broker is not sure, they’ll generally discuss their concerns with the lender prior to submitting the application and get agreement subject to final verification, that your application meets all of the basic criteria for approval. By doing this, it helps to protect your credit score and in turn, your overall credit rating.

Brokers can equal better deals

Finding the best interest rate is only half the job of a broker, if you are to find the overall best deal. A broker will also help you to get your loan approved. We’ll take the time to quickly understand your individual situation prior to providing you with a written quote. At You Can Finance we have an extensive panel of lenders and over 20 years of industry experience and are confident that we can assist you in finding a great deal.