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Debt consolidation options made clearer

Simplify eligible debts into one repayment and explore suitable options that support your next financial move.

  • Combine multiple debts into one payment
  • Credit cards, personal loans and more eligible
  • Compare suitable options with no obligation to proceed
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Debt Consolidation

Personalised debt consolidation for you

Managing several debts can mean keeping track of different due dates, interest rates and repayment amounts. Debt consolidation can make things simpler by combining eligible debts into one regular repayment. Depending on how the loan is structured, this could reduce your combined repayments and make your finances easier to manage as you work towards future goals. Our dedicated finance specialists can compare suitable options from our lender panel and explain what you’ll need to get started.

Why Fido Finance

We hunt down better rates

  • Get approved today, start saving tomorrow!

    Most approvals come through within 24 hours*

  • We fetch your best rate

    We compare 30+ lenders and share the best options

  • Our experts make life simple

    A specialist explains the process from start to finish

How does it work?

Six simple steps to settled

From your first enquiry right through to settlement, your dedicated Fido Finance broker handles the heavy lifting at every stage.

  1. Enquire

    Answer a few quick questions by filling out our online form or give us a call (we love a chat) to kick things off.

  2. Discuss your needs

    A finance specialist will be in touch to learn more about your goals, situation and borrowing requirements.

  3. Compare suitable options

    We match your profile against our panel of 30+ lenders to identify loan options that may suit your needs.

  4. Review your options

    We lay out the best options in plain English so you can choose with confidence, no jargon and no pressure.

  5. Accept and sign

    Once you choose an option, we help complete the application and arrange the required loan documents for signing.

  6. Settle

    We take the hard work out of the process by managing the paperwork and dealing with the lender (or dealership) through to settlement.

Use cases

What can you use a debt consolidation loan for?

Eligible debts may be combined into one repayment as you work towards your next financial goal:

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Credit cards

1/6

Bring revolving debts into one repayment

  • Multiple credit cards
  • Store cards
  • Buy now pay later accounts
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Personal loans

2/6

Wrap up multiple loan repayments into one

  • Unsecured personal loans
  • Secured personal loans
  • Short-term loans
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Car loans

3/6

See if your current repayments can be consolidated

  • Existing car finance
  • Dealer finance
  • Multiple vehicle loans
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Business debts

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Bring eligible business borrowing into one repayment

  • Business overdrafts
  • Supplier debts
  • Equipment or vehicle finance
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High interest debt

5/6

Explore options for debts with higher rates or fees

  • High-rate credit products
  • Payday loans
  • Loans with break costs
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Complex credit circumstances

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We deal with lenders who look at the full picture

  • Thin credit files
  • Previous hardship or missed payments
  • Complex financial situations
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About

About Fido Finance

Fido Finance is a 100% Australian-based finance brokerage.

Since 2020, we’ve built relationships with more than 30 bank and non-bank lenders to help Australians explore finance options that suit their goals and circumstances. In that time, we’ve secured over $700 million in approved loans.

From your first conversation through to settlement, you’ll work with one dedicated finance specialist. They’ll compare options from our lender panel based on your situation, talk you through the process and handle the paperwork. Loan terms may range from one to seven years, depending on the product, lender and your eligibility. There’s no obligation to proceed. We’re here for clear guidance and straightforward answers.

Frequently asked questions

Contact support

Debt consolidation works by taking out a single new loan to pay off multiple existing debts - such as credit cards, personal loans, or store accounts. Instead of managing different due dates and interest rates, Fido Finance compares options across 30+ lenders to combine your debts into one structured loan with one clear regular repayment.

Ready to get started?

Take the first step towards achieving your financial goals. Speak to one of our specialists today.