Credit Cards Consolidation Loans

Credit Card Debts Consolidation Loans

Consolidate your credit card debts into one simple Plenti loan

Consolidating multiple credit card debts into a personal loan could be a strategic move for many borrowers.

Interest rates from

6.57

p.a.

Comparison rate*

6.57

p.a.

Interest rates from

6.57

p.a.

Comparison rate*

6.57

p.a.

We’ve consolidated over $340 million in debt for thousands of Australians. You could be next—get a quick rate estimate in as little as 60 seconds and complete your application in 10 minutes to start saving on your interest bills.

Features

Benefit from a low-interest rate loan.

One of the most compelling reasons to consolidate credit card debt into a personal loan is the potential for lower interest rates. By securing a lower rate, you could reduce your monthly payments and pay off your debt more quickly, allowing you to become debt-free sooner and potentially save money in the long run.

Monthly fees

Repayment fees

$5k - $65kLoan amounts

1 - 7 yearsLoan terms

24 hourSettlement

Discover the benefits of consolidating your credit card debts

These following could make debt management more manageable and provide a clear,
structured path toward financial stability and debt freedom.

Lower Interest Rates

Personal loans typically offer lower which could save you money otherwise paid on interest.

Simplified Repayment Process

Consolidating credit card debts into a single personal loan simplifies the repayment process. You only have to make one monthly payment.

Fixed Repayment Schedule

Credit cards typically have revolving credit, meaning the amount you owe can fluctuate monthly. In contrast, a Plenti personal loan comes with a fixed repayment schedule.

Payoff date

Have a payoff date to work towards each month.

No early repayment fees

Enjoy the flexibility to pay off your loan without extra charges.

Accelerate your debt-free journey

Simplified repayments with lower monthly fees and interest rates could make debt repayment more manageable.

Credit card consolidation loan repayment calculator

Find out how much your loan repayments could be with a Plenti unsecured personal loan.

Loan amount

Loan term

3 years

Credit history

Example interest rate: 0% p.a.
Comparison rate: 0.0% p.a.*

Estimated monthly loan repayments from

Total repayment (incl. interest and fees)

Repayment calculator: The calculator is designed as a guide only and is not a quotation or an offer of credit. The interest rates and monthly repayment amounts are indicative and based on the credit history selected. The loan amount you can borrow and your personalised interest rate and repayment amount may be different once you complete a loan application.

Process

A faster, fairer borrowing experience

A Plenti debt consolidation loan could help you pay off your credit cards, other personal loans, and lines of credit. Combining multiple credit card debts into a personal loan provides the benefits of debt consolidation, including lower interest rates, a simplified repayment process, and a fixed repayment schedule. Together, these could make debt management more manageable. Get a rate estimate.

1. Get your rate

60 seconds, 10 simple questions for a tailored debt consolidation rate estimate.

2. Apply in minutes

3. Enjoy your funds

What is credit cards debt consolidation?

Credit card debt consolidation combines multiple credit card balances into a single, larger loan, often with a lower interest rate. This approach simplifies repayment by replacing numerous payments with one monthly payment, potentially reducing the total interest paid and helping individuals manage their debt more effectively.

How could a credit card debt consolidation loan save you money?

A debt consolidation loan could potentially save you money in several ways:

Lower interest rates: If the interest rate on the consolidation loan is lower than the average interest rate on your existing debts, you are likely to pay less in interest over time.
Reduced monthly payments: Lower interest rates could also result in lower monthly payments.
Fewer fees: Consolidating your debts could potentially reduce the number of late fees, over-limit fees, and other charges if you previously had trouble managing multiple payments.
Shorter repayment Term: By consolidating debts into one loan with a structured repayment plan, you could pay off your debt faster, reducing the total amount of interest paid.

Overall, a debt consolidation loan could simplify your payments, lower your interest costs, and help you manage your debt more effectively.

Get your personalised rateApply in 10 minutes and you could get your funds as soon as the next day.

Get your rate