Need help with debt consolidation? We help you combine debts, with a tailored plan, managed payments and real support.
Free appointment | No long-term, lock-in contracts
Kim & Bob | MyBudget clients
$2 million saved for MyBudget clients through negotiated debt arrangements in 2025
Source: MyBudget internal debt arrangement data, 2025.
Real MyBudget Client Story
Callum and Sally were juggling 17 debts and $5,841 in monthly repayments. The pressure was constant.
What Changed
For Callum and Sally, debt consolidation meant simpler repayments and more money for their family goals.
Debt Consolidation Calculator | MyBudget money tool
Considering a debt consolidation loan? Use our free calculator to estimate your repayments before deciding what to do next.
With the calculator, you can:
The calculator provides an estimate. A free appointment can help you understand how consolidation may fit your complete financial situation.
If debt consolidation loans suit your needs, MyBudget Loans can help.
Eligibility, rates and fees vary.
Leah | MyBudget Loans team member
Credit card consolidation may be available, along with consolidation of eligible personal loans and some BNPL balances. This depends on the lender and your circumstances.
Read more on what debts can be consolidated and if debt consolidation is right for you.
Tammy Barton | MyBudget, Founder & Director
We look at your entire financial situation, bringing lending, budgeting and money management into one service.
Complete financial support, trusted by 130,000+ Australians for over 25 years.
Can’t find what you’re looking for?
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We review your debts, repayments, expenses and financial goals before explaining the options that may suit you. This could include a debt consolidation loan or, if borrowing isn’t suitable, a personalised debt management plan with creditor support and ongoing money management.
We’ll discuss what you owe, your current debt repayments and what is putting pressure on your budget. We’ll then explain the debt consolidation and budgeting options that may suit your situation. Your first appointment is free, with no obligation to proceed and your 12 month budget is yours free to keep.
Sometimes. Eligible buy now pay later balances may be included in a debt consolidation loan, depending on the lender and your circumstances. MyBudget can review all your BNPL accounts and help create one clear repayment plan, whether consolidation is suitable or not.
Your first MyBudget appointment is free. If you choose to join, your fee will depend on the complexity of your financial situation and the level of support you need. We’ll explain all costs upfront, and there are no long-term lock-in contracts.
The timeframe depends on your debts, financial situation and whether a debt consolidation loan application is required. After reviewing your finances, we’ll explain the next steps and give you a clearer idea of how long the process may take.
MyBudget can help manage your bills and debt repayments, show you what is coming over the next 12 months and provide ongoing human support. If your circumstances change, we can help adjust your plan and keep you moving forward.
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