Debt consolidation simplifies finances by replacing multiple debts with a single, manageable repayment, reducing stress and improving financial control.
Juggling credit cards, personal loans, and multiple repayment dates can feel like a never-ending cycle. Each month brings new deadlines, shifting interest rates, and the pressure of trying to stay on top of everything. Over time, that strain hits more than just your bank account; it chips away at your peace of mind.
As The Advisor reports, “demand for support via the National Debt Helpline has reached a six-year high, with more than 168,000 people reaching out for assistance during the 2024–25 financial year, making it the free service’s biggest year since 2018–19.”
With debt levels rising in Australia, a debt consolidation may be a smart way to move forward for yourself. At Fox Finance Group, we specialise in simplifying the chaos, combining multiple repayments into one clear, manageable repayment. With the right debt consolidation loan, you can regain control, reduce stress, and start moving towards financial freedom.
A debt consolidation loan allows you to take out a new loan to pay off multiple existing debts. Instead of juggling several repayments across different lenders, you’ll have one regular repayment to manage.
Put simply: you replace many debts with one debt consolidation loan, turning a complex repayment schedule into a single, manageable plan.
When you apply for a debt consolidation loan in Australia with Fox Finance Group, the process is simple, straightforward and designed to put you in the best position:
This includes credit cards, payday loans, personal loans, etc. We take a close look at your balances, interest rates, and repayment schedules to understand your full financial picture.
Leveraging our panel of more than 50 trusted lenders, we connect you with the right partner to help improve your financial position and relieve the financial stress with having debt.
The new loan clears all your separate debts, so you no longer have multiple payments to track or multiple interest rates to manage.
With a single, predictable repayment, budgeting becomes easier, and you gain more control over your financial future.
This approach simplifies your financial life and provides a clear path toward becoming debt-free.
With a debt consolidation loan, all your debts are combined into a single repayment. This eliminates the confusion of managing multiple due dates and different lenders, making your monthly finances much easier to handle.
Managing multiple debts can create significant mental and emotional stress. Consolidation helps reduce that burden, giving you a clear picture of your financial obligations and empowering you to take control of your money.
Many debts, like credit cards or payday loans, carry high interest rates. By consolidating these into a debt consolidation loan, you may secure a lower interest rate, which can save you money over time and help you pay off your debt faster and put more money back in your pocket.
A debt consolidation loan provides structure. You know exactly how much you need to pay each month and how long it will take to become debt-free. This clarity makes budgeting simpler, helps you plan for the future, and keeps you motivated to reach your financial goals.
At Fox Finance Group our dedicated team has helped hundreds of customers take back control of their finances with a debt consolidation loan. We don’t just look at the numbers; we take the time to understand your full financial situation, including your income, expenses, and existing debt obligations.
To protect your credit score throughout the process, we start with a soft enquiry. This allows us to assess your options and find the best possible deal without leaving an enquiry on your credit file. Once you choose a lender and move forward with the loan, a hard enquiry is conducted by the lender, which is standard practice and required to finalise your application.
This ensures you receive expert guidance and access to the right consolidation loan for your unique situation, all while safeguarding your credit score along the way.
Our Head of Asset & SME Lending, Sam Drew, recently shared how the team helped a customer simplify their finances by consolidating two high-interest debts into a single repayment. By reducing their rates from 28% and 20.29% down to just 13.49%, the customer saved 34.80% annually. This move not only streamlined their repayments but also freed up an extra $652 each month, money they now put toward building long-term financial stability.
If you’re tired of managing multiple debts and want a clear, manageable solution, now is the time to act and take back control with a debt consolidation.
Apply today to start your journey towards financial freedom, one easy repayment at a time.
 Rowdie Lang |
Rowdie has been a part of our Team since 2020. He has witnessed firsthand the ongoing evolution of the finance industry as technology continues to change the way customers' access financial services. He has a passion for helping people and relishes the opportunity to work alongside our teams every day as they help our customers financial dreams come true.
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Reviewed by: Nathan Drew ✅ Fact checked 📅 Last updated: Oct 03, 2025 |
