Simplify Your Debts. Take Back Control.
If you’re juggling multiple repayments, debt consolidation could help roll them into one simpler loan with clearer terms and less stress.
You Don’t Have to Tackle This Alone
If you’re feeling stretched, you’re not alone. Many Australians end up with multiple loans, credit cards, and buy-now-pay-later accounts. Debt consolidation is about creating breathing room and a clearer path forward.
What Is Debt Consolidation?
Debt consolidation means combining multiple debts into one loan, so you have:
- One repayment
- One lender
- One clear plan
With Avrio Finance, you’ll have a broker in your corner to help unpack your situation and explore whether consolidating your debts could leave you better off overall.
Benefits of Consolidating Your Debts
The right consolidation strategy can help you simplify, save time, and feel more in control of your money.
One Simple Repayment
Replace multiple repayments with just one regular payment, making it easier to stay organised.
Potential Interest Savings
By moving high-interest debts into a more suitable loan, you may reduce the overall interest you pay.
Clear End Date & Less Stress
Know exactly when your loan ends so you can see the light at the end of the tunnel and feel more in control.
What You Can Consolidate
Bring multiple debts together into one manageable facility, where appropriate.
- Credit cards
- Personal loans
- Car loans
- Store cards
- Buy now pay later accounts
Why Use Avrio Finance?
We’re here to translate complex lending into clear options you can feel confident about.
Access to Multiple Lenders
We work with a range of lenders to help find a solution that fits your situation.
Broker-Guided & Plain English
We’ll talk you through the pros and cons in clear, straightforward language.
Fast, No-Obligation GreenCheck
Your GreenCheck helps us quickly understand your options without locking you into anything.
How It Works
A simple three-step process to explore whether debt consolidation is right for you.
Step 1
Complete GreenCheck
Share a few key details about your situation so we can understand your debts and goals.
Step 2
We Review Your Options
Our brokers assess suitable lenders and structures to see whether consolidation could help.
Step 3
You Decide, We Handle the Rest
You choose what works best for you. If you proceed, we coordinate the application and settlement.
GreenCheck Pre-Assessment
Get a clear view of your likely options before you commit or apply. No impact on your credit score from this pre-assessment.
- Loan type: car, personal, debt consolidation, asset/business finance
- Amount you’d like to borrow
- Employment type: full-time, part-time, casual, self-employed, contractor
- Approximate credit status: strong, okay, some past issues, not sure
- Where you live: state and postcode
- Your details so we can call or email with options
What happens next?
1. We review your details the same business day where possible.
2. Your broker will call or email to confirm a few points.
3. You’ll receive a clear summary of potential options and next steps.
Start your GreenCheck
Takes around 3–5 minutes. Please answer as accurately as you can.
What we’ll ask for in this form:
• Loan type (car / personal / debt consolidation / asset or business finance)
• Loan amount you’re looking for
• Employment type
• Approximate credit status
• State and postcode
• Your name, mobile and email
Consent & privacy
By clicking submit, you agree that Avrio Finance may contact you about your enquiry by phone, SMS and email. You confirm that you’ve read and understood our Privacy Policy and Credit Guide, and consent to us collecting and using your information to provide credit assistance and product options. This pre-assessment is general in nature and is not personal financial advice.
After you submit: We’ll confirm we’ve received your details on this page and share the next steps, including our direct phone number if you’d like to speak straight away.
Debt Consolidation FAQs
Here are some common questions people ask before exploring a consolidation strategy.
Will this affect my credit score?
Making an enquiry through GreenCheck will not automatically hurt your credit score. If you choose to proceed with an application, some lenders may complete a credit check, which can appear on your file. We’ll explain what this means for you before anything is lodged.
Can I still apply with bad credit?
Yes, you can still complete a GreenCheck even if you’ve had credit issues in the past. We work with lenders who may consider applicants with blemishes, depending on the circumstances. Your broker will review your situation and outline what may be realistic.
Do I need security?
Some consolidation loans are unsecured, while others may be secured against an asset such as a car or property. The right approach depends on your profile, the size of your debts, and your goals. We’ll walk you through the options available to you.
How long does approval take?
Timeframes vary by lender and the complexity of your situation. In many straightforward cases, conditional approvals can be issued within a few business days once we have the required information and documents.
What debts can I include?
Commonly included debts are credit cards, personal loans, car loans, store cards, and buy now pay later balances. In your GreenCheck, you can list your existing commitments and we’ll confirm what can and can’t be consolidated.
Is there any obligation?
No. Your GreenCheck Pre-Assessment is obligation free. You’re not locked into proceeding, and we’ll only move forward with an application if you’re comfortable with the recommended option.
See What Your Consolidation Options Look Like
Complete your GreenCheck and let’s explore how we can simplify things.
Avrio Finance
Helping Australians make clearer, more confident finance decisions with broker-guided support.