<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5GDSXMQ2" height="0" width="0" style="display:none;visibility:hidden"></noscript><div id="page-container" style="padding-top: 167px;"><div id="top-header"><div class="container clearfix"><div id="et-info"> <a href="mailto:info@credit4u.com.au"><span id="et-info-email">info@credit4u.com.au</span></a></div><div id="et-secondary-menu"></div></div></div><header id="main-header" data-height-onload="120" data-height-loaded="true" data-fixed-height-onload="120" style="top: 47.5px;"><div class="container clearfix et_menu_container"><div class="logo_container"> <span class="logo_helper"></span> <a href="https://credit4u.com.au/"> <img width="678" height="146" alt="Credit4u" id="logo" data-height-percentage="49" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/credit-new-png.png" class=" lazyloaded" src="https://credit4u.com.au/wp-content/uploads/2023/07/credit-new-png.png"><noscript><img 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menu-item-object-custom current-menu-ancestor current-menu-parent menu-item-has-children menu-item-715"><a href="#">Loan Type</a><ul class="sub-menu"><li id="menu-item-1125" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1125"><a href="https://credit4u.com.au/easy-home-loan/">Home Loan</a></li><li id="menu-item-716" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-716"><a href="https://credit4u.com.au/business-loan/">Business Loan</a></li><li id="menu-item-720" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-720"><a href="https://credit4u.com.au/personal-loan/">Personal Loan</a></li><li id="menu-item-717" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-717"><a href="https://credit4u.com.au/car-loan/">Car Loan</a></li><li id="menu-item-718" class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-647 current_page_item menu-item-718"><a href="https://credit4u.com.au/debt-consolidation/" aria-current="page">Debt Consolidation</a></li><li id="menu-item-721" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-721"><a href="https://credit4u.com.au/studies-loan/">Studies Loan</a></li><li id="menu-item-722" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-722"><a href="https://credit4u.com.au/wedding-loan/">Wedding Loan</a></li></ul></li><li id="menu-item-712" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-712"><a href="https://credit4u.com.au/about-us-2/">About Us</a></li><li id="menu-item-714" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-714"><a href="https://credit4u.com.au/faqz/">Faqs</a></li><li id="menu-item-713" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-713"><a href="https://credit4u.com.au/contact-us/">Contact Us</a></li></ul></div></div></div></div></header><div id="et-main-area"><div id="main-content"><article id="post-647" class="post-647 page type-page status-publish hentry"><div class="entry-content"><div class="et-l et-l--post"><div class="et_builder_inner_content et_pb_gutters3"><div class="et_pb_section et_pb_section_0 et_pb_with_background et_section_regular section_has_divider et_pb_top_divider"><div class="et_pb_top_inside_divider" style=""></div><div class="et_pb_row et_pb_row_0"><div class="et_pb_column et_pb_column_4_4 et_pb_column_0 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_text et_pb_text_0 et_animated et_pb_text_align_left et_pb_bg_layout_dark"><div class="et_pb_text_inner"><h1>Debt Consolidation Loan</h1></div></div><div class="et_pb_module et_pb_text et_pb_text_1 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><p>Borrow Loan with low rates starting from 6.57% p.a. (comparison rate from 7.19% p.a.*) </p><p>Reduce your repayments with a Debt Consolidation Loan. <br>We offer low interest rate unsecured loans with personalised interest rates for debt consolidation.</p></div></div></div></div><div class="et_pb_with_border et_pb_row et_pb_row_1"><div class="et_pb_column et_pb_column_4_4 et_pb_column_1 et_pb_css_mix_blend_mode_passthrough et-last-child"><div id="debt" class="et_pb_module et_pb_contact_form_0 et_animated et_pb_contact_form_container clearfix" data-form_unique_num="0" data-form_unique_id=""><h3 class="et_pb_contact_main_title">Fill in the form below and let our team take care of the rest.</h3><div class="et-pb-contact-message"></div><div class="et_pb_contact"><form class="et_pb_contact_form clearfix" method="post" action="https://credit4u.com.au/debt-consolidation/"><p class="et_pb_contact_field et_pb_contact_field_0 et_pb_contact_field_half" data-id="firstname" data-type="input"> <label for="et_pb_contact_firstname_0" class="et_pb_contact_form_label">First Name*</label> <input type="text" id="et_pb_contact_firstname_0" class="input" value="" name="et_pb_contact_firstname_0" data-required_mark="required" data-field_type="input" data-original_id="firstname" placeholder="First Name*"></p><p class="et_pb_contact_field et_pb_contact_field_1 et_pb_contact_field_half et_pb_contact_field_last" data-id="lastname" data-type="input"> <label for="et_pb_contact_lastname_0" class="et_pb_contact_form_label">Last Name*</label> <input type="text" id="et_pb_contact_lastname_0" class="input" value="" name="et_pb_contact_lastname_0" data-required_mark="required" data-field_type="input" data-original_id="lastname" placeholder="Last Name*"></p><p class="et_pb_contact_field et_pb_contact_field_2 et_pb_contact_field_half" data-id="email" data-type="email"> <label for="et_pb_contact_email_0" class="et_pb_contact_form_label">Email Address*</label> <input type="text" id="et_pb_contact_email_0" class="input" value="" name="et_pb_contact_email_0" data-required_mark="required" data-field_type="email" data-original_id="email" placeholder="Email Address*"></p><p class="et_pb_contact_field et_pb_contact_field_3 et_pb_contact_field_half et_pb_contact_field_last" data-id="phoneno" data-type="input"> <label for="et_pb_contact_phoneno_0" class="et_pb_contact_form_label">Phone No.*</label> <input type="text" id="et_pb_contact_phoneno_0" class="input" value="" name="et_pb_contact_phoneno_0" data-required_mark="required" data-field_type="input" data-original_id="phoneno" placeholder="Phone No.*"></p><p class="et_pb_contact_field et_pb_contact_field_4 et_pb_contact_field_half" data-id="amount" data-type="input"> <label for="et_pb_contact_amount_0" class="et_pb_contact_form_label">Loan Amount*</label> <input type="text" id="et_pb_contact_amount_0" class="input" value="" name="et_pb_contact_amount_0" data-required_mark="required" data-field_type="input" data-original_id="amount" placeholder="Loan Amount*"></p><p class="et_pb_contact_field et_pb_contact_field_5 et_pb_contact_field_half et_pb_contact_field_last" data-id="dateofbirth" data-type="input"> <label for="et_pb_contact_dateofbirth_0" class="et_pb_contact_form_label">Date of Birth*</label> <input type="text" id="et_pb_contact_dateofbirth_0" class="input" value="" name="et_pb_contact_dateofbirth_0" data-required_mark="required" data-field_type="input" data-original_id="dateofbirth" placeholder="Date of Birth*"></p><p class="et_pb_contact_field et_pb_contact_field_6 et_pb_contact_field_half" data-id="city" data-type="input"> <label for="et_pb_contact_city_0" class="et_pb_contact_form_label">City*</label> <input type="text" id="et_pb_contact_city_0" class="input" value="" name="et_pb_contact_city_0" data-required_mark="required" data-field_type="input" data-original_id="city" placeholder="City*"></p><p class="et_pb_contact_field et_pb_contact_field_7 et_pb_contact_field_half et_pb_contact_field_last" data-id="monthlyincome" data-type="input"> <label for="et_pb_contact_monthlyincome_0" class="et_pb_contact_form_label">Estimated Monthly Income</label> <input type="text" id="et_pb_contact_monthlyincome_0" class="input" value="" name="et_pb_contact_monthlyincome_0" data-required_mark="required" data-field_type="input" data-original_id="monthlyincome" placeholder="Estimated Monthly Income"></p><p class="et_pb_contact_field et_pb_contact_field_8 et_pb_contact_field_half" data-id="typeofloan" data-type="select"> <label for="et_pb_contact_typeofloan_0" class="et_pb_contact_form_label">Type of Loan*</label> <select id="et_pb_contact_typeofloan_0" class="et_pb_contact_select input" name="et_pb_contact_typeofloan_0" data-required_mark="required" data-field_type="select" data-original_id="typeofloan"><option value="">Type of Loan*</option><option value="Personal Loan">Personal Loan</option><option value="Debt Consolidation">Debt Consolidation</option><option value="Car Loan">Car Loan</option><option value="Holiday Loan">Holiday Loan</option><option value="Moving Home">Moving Home</option><option value="Business Loan">Business Loan</option><option value="Studies Loan">Studies Loan</option><option value="Wedding Loan">Wedding Loan</option><option value="Home Loan">Home Loan</option><option value="Home Renovation">Home Renovation</option><option value="Truck Loan">Truck Loan</option> </select></p><p class="et_pb_contact_field et_pb_contact_field_9 et_pb_contact_field_half et_pb_contact_field_last" data-id="besttimetocall" data-type="select"> <label for="et_pb_contact_besttimetocall_0" class="et_pb_contact_form_label">Credit Status*</label> <select id="et_pb_contact_besttimetocall_0" class="et_pb_contact_select input" name="et_pb_contact_besttimetocall_0" data-required_mark="required" data-field_type="select" data-original_id="besttimetocall"><option value="">Credit Status*</option><option value="Excellent">Excellent</option><option value="Good">Good</option><option value="Poor">Poor</option><option value="Unsure">Unsure</option> </select></p> <input type="hidden" value="et_contact_proccess" name="et_pb_contactform_submit_0"><div class="et_contact_bottom_container"> <button type="submit" name="et_builder_submit_button" class="et_pb_contact_submit et_pb_button" data-icon="">Submit</button></div> <input type="hidden" id="_wpnonce-et-pb-contact-form-submitted-0" name="_wpnonce-et-pb-contact-form-submitted-0" value="d56aa0c6bc"><input type="hidden" name="_wp_http_referer" value="/debt-consolidation/"></form></div></div></div></div></div><div class="et_pb_section et_pb_section_1 et_section_regular"><div class="et_pb_with_border et_pb_row et_pb_row_2"><div class="et_pb_column et_pb_column_4_4 et_pb_column_2 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_text et_pb_text_2 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><h3 class="font_2 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_17 wixui-rich-text__text">Transparent and supportive lending</span></span></h3></div></div><div class="et_pb_module et_pb_text et_pb_text_3 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><ul><li class="font_8 wixui-rich-text__text"><div id="text_block-496-30" class="ct-text-block">1 to 7 year loan terms available</div></li><li class="font_8 wixui-rich-text__text">No Hidden charges</li><li><span>No account keeping fees, no prepayment payment fees and no early exit fees</span><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"><span></span></span></span></li><li><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"><span>Weekly, fortnightly or monthly repayments</span></span></span></li><li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">No penalties for early loan repayment</span></span><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"></span></span></li><li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">APR – As low as 6.57%<br>(One of the lowest APR in the market)</span></span></li><li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"><span>Fixed rate of interest, meaning no repayment surprises</span></span></span></li></ul></div></div><div class="et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_0 et_pb_bg_layout_light" href="#debt">Apply Now</a></div></div></div></div><div class="et_pb_section et_pb_section_2 et_section_regular"><div class="et_pb_row et_pb_row_3"><div class="et_pb_column et_pb_column_4_4 et_pb_column_3 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_text et_pb_text_4 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><h2>Elegibility Criteria</h2></div></div><div class="et_pb_module et_pb_text et_pb_text_5 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><h4 style="text-align: center;">In order to apply for a personal loan, you must fulfil the following eligibility criteria.</h4></div></div></div></div><div class="et_pb_row et_pb_row_4"><div class="et_pb_column et_pb_column_1_3 et_pb_column_4 et_pb_css_mix_blend_mode_passthrough"><div class="et_pb_module et_pb_blurb et_pb_blurb_0 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><span>You should be atleast 18 years or older.</span></h4></div></div></div><div class="et_pb_module et_pb_blurb et_pb_blurb_1 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><span>Have no defaults (paid or unpaid) or active payday loans</span></h4></div></div></div></div><div class="et_pb_column et_pb_column_1_3 et_pb_column_5 et_pb_css_mix_blend_mode_passthrough"><div class="et_pb_module et_pb_blurb et_pb_blurb_2 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><span>You should be an Australian citizen or permanent resident</span></h4></div></div></div><div class="et_pb_module et_pb_blurb et_pb_blurb_3 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><span>Centrelink can be used as a secondary income with regular income.</span></h4></div></div></div></div><div class="et_pb_column et_pb_column_1_3 et_pb_column_6 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_blurb et_pb_blurb_4 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><span>Be in active employment or receive a pension.</span></h4></div></div></div><div class="et_pb_module et_pb_blurb et_pb_blurb_5 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_top et_pb_animation_top_tablet et_pb_animation_top_phone et-pb-icon">N</span></span></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><span>Not be a current or prior bankrupt or be party to a court judgement.</span></h4></div></div></div></div></div></div><div class="et_pb_section et_pb_section_3 et_section_regular"><div class="et_pb_row et_pb_row_5"><div class="et_pb_column et_pb_column_1_3 et_pb_column_7 et_pb_css_mix_blend_mode_passthrough"><div class="et_pb_module et_pb_testimonial et_pb_testimonial_0 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"><div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/stylish-young-man-with-glasses-posing-SBI-300988656-1-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div><div class="et_pb_testimonial_description" style="margin-left: 0px;"><div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p><span>Credit4U sorted me out quicker than a barbie snag on a hot day. Wanted to finally get that surfboard shaping business off the ground, but the banks were a bigger hassle than a kook trying to catch a wave. Filled out the application on the beach between surfs, got approved faster than a set rolling in. Top company, Credit4U. Now I’m shaping dreams, not just waves!</span></p></div></div> <span class="et_pb_testimonial_author">Bruce</span><p class="et_pb_testimonial_meta"></p></div></div></div><div class="et_pb_column et_pb_column_1_3 et_pb_column_8 et_pb_css_mix_blend_mode_passthrough"><div class="et_pb_module et_pb_testimonial et_pb_testimonial_1 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"><div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/joyful-woman-on-a-deep-blue-backdrop-SBI-317640019-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div><div class="et_pb_testimonial_description" style="margin-left: 0px;"><div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p style="text-align: left;"><span style="font-family: Besley; font-weight: normal;">I’m a bit of a control freak when it comes to my finances, alright? So naturally, applying for a home loan had me in a tizz. Credit4U surprised me, though. Their online portal was crystal clear, the whole process was transparent, and the interest rate? Fair dinkum competitive. Now I’m a homeowner, and it wasn’t a complete nightmare thanks to Credit4U. Top recommendation from this fussy Sydneysider!</span></p></div></div> <span class="et_pb_testimonial_author">Olivia</span><p class="et_pb_testimonial_meta"></p></div></div></div><div class="et_pb_column et_pb_column_1_3 et_pb_column_9 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_testimonial et_pb_testimonial_2 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"><div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/smiling-senior-man-in-blue-sweater-arms-crossed-studio-shot-against-white-wall-SBI-305235049-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div><div class="et_pb_testimonial_description" style="margin-left: 0px;"><div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p><span>Never thought I’d need a business loan at this point in life, but the grandkids wanted to help out with the bait shop. Banks? Gave me a headache. Credit4U? They were a breath of fresh air. Sorted online, no fuss, and now the shop’s doing a roaring trade. Thanks, Credit4U!</span></p></div></div> <span class="et_pb_testimonial_author">Liam</span><p class="et_pb_testimonial_meta"></p></div></div></div></div><div class="et_pb_row et_pb_row_6"><div class="et_pb_column et_pb_column_4_4 et_pb_column_10 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><h4 style="text-align: center;"><strong>1097+ Satisfied Loan Borrowers and The Next Can Be You!</strong></h4></div></div><div class="et_pb_button_module_wrapper et_pb_button_1_wrapper et_pb_button_alignment_center et_pb_module "> <a class="et_pb_button et_pb_button_1 et_pb_bg_layout_light" href="#debt">Apply Now</a></div></div></div></div><div class="et_pb_section et_pb_section_4 et_section_regular"><div class="et_pb_with_border et_pb_row et_pb_row_7 et_pb_equal_columns"><div class="et_pb_column et_pb_column_4_4 et_pb_column_11 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_text et_pb_text_7 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><h1><strong>Why Choose Us ?</strong></h1></div></div><div class="et_pb_module et_pb_text et_pb_text_8 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><p>We understand the challenges of managing multiple debts, and our debt consolidation loans are tailored to address your specific needs. Here’s why you should choose us as your debt consolidation partner:</p><p><strong>Expert Guidance:</strong> Our experienced financial advisors are here to assist you every step of the way. They will help you understand the consolidation process, assess your financial situation, and find the best loan terms that suit your needs.</p><p><strong>Customized Solutions:</strong> We believe in offering personalized solutions to our customers. Our debt consolidation loans are customized to align with your financial goals and ensure that the repayment plan fits comfortably within your budget.</p><p><strong>Competitive Interest Rates:</strong> We strive to provide the most competitive interest rates in the market, helping you save money on interest payments and make faster progress towards becoming debt-free.</p><p><strong>Transparent Terms:</strong> We believe in transparency and honesty. There are no hidden fees or surprise charges. We will clearly outline all the terms and conditions of the loan, so you know exactly what to expect.</p><p><strong>Quick Approval:</strong> Our efficient loan processing ensures quick approvals. We understand the urgency of consolidating your debts, and our team works diligently to provide a prompt response.</p></div></div><div class="et_pb_button_module_wrapper et_pb_button_2_wrapper et_pb_module "> <a class="et_pb_button et_pb_button_2 et_pb_bg_layout_light" href="#debt">Apply NOw</a></div></div></div></div><div class="et_pb_section et_pb_section_5 et_section_regular"><div class="et_pb_row et_pb_row_8"><div class="et_pb_column et_pb_column_2_5 et_pb_column_12 et_pb_css_mix_blend_mode_passthrough"><div class="et_pb_module et_pb_image et_pb_image_0"> <span class="et_pb_image_wrap "><img fetchpriority="high" decoding="async" width="800" height="1230" alt="" title="hospital-10" data-srcset="https://credit4u.com.au/wp-content/uploads/2023/07/hospital-10.jpg 800w, https://credit4u.com.au/wp-content/uploads/2023/07/hospital-10-480x738.jpg 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 800px, 100vw" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/hospital-10.jpg" class="wp-image-700 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img fetchpriority="high" decoding="async" width="800" height="1230" src="https://credit4u.com.au/wp-content/uploads/2023/07/hospital-10.jpg" alt="" title="hospital-10" srcset="https://credit4u.com.au/wp-content/uploads/2023/07/hospital-10.jpg 800w, https://credit4u.com.au/wp-content/uploads/2023/07/hospital-10-480x738.jpg 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 800px, 100vw" class="wp-image-700" /></noscript></span></div></div><div class="et_pb_column et_pb_column_3_5 et_pb_column_13 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_text et_pb_text_9 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><h2>Our Process</h2></div></div><div class="et_pb_module et_pb_text et_pb_text_10 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><p>The application process for a debt consolidation loan with Credit4U is straightforward. It starts with an initial consultation, where you discuss your financial situation and debt consolidation needs with our financial advisors. They will gather essential information to understand your current debts, income, and expenses.</p><p>After evaluating your financial standing, we will determine your eligibility and the amount you qualify for a debt consolidation loan. We will also discuss the loan terms and interest rates based on your specific circumstances. Once you’re comfortable with the proposed terms, we will assist you in completing the loan application and guide you through the required documentation and paperwork.</p><p>Upon receiving your application, we will promptly process it for approval. Our goal is to provide you with a quick response so that you can begin your journey towards financial freedom as soon as possible. Once approved, the funds will be transferred to your designated account, and you can use the loan amount to pay off your existing debts, consolidating them into one convenient payment.</p></div></div><div class="et_pb_button_module_wrapper et_pb_button_3_wrapper et_pb_module "> <a class="et_pb_button et_pb_button_3 et_pb_bg_layout_light" href="#debt">Apply Now</a></div></div></div></div><div class="et_pb_section et_pb_section_6 et_section_regular"><div class="et_pb_row et_pb_row_9"><div class="et_pb_column et_pb_column_4_4 et_pb_column_14 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_text et_pb_text_11 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><h2>Frequently Asked Questions</h2></div></div><div class="et_pb_module et_pb_accordion et_pb_accordion_0"><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_0 et_pb_toggle_open"><h5 class="et_pb_toggle_title">How does debt consolidation work?</h5><div class="et_pb_toggle_content clearfix"><p><span>Debt consolidation works by taking out a new loan, often at a lower interest rate, to pay off existing debts. By doing so, all your debts are consolidated into one, making it easier to manage and reducing the overall interest paid over time.</span></p></div></div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_1 et_pb_toggle_close"><h5 class="et_pb_toggle_title">What types of debts can I consolidate?</h5><div class="et_pb_toggle_content clearfix"><p><span>You can typically consolidate various types of unsecured debts, including credit card debts, medical bills, personal loans, and more. However, secured debts like mortgages or car loans are usually not eligible for debt consolidation.</span></p></div></div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_2 et_pb_toggle_close"><h5 class="et_pb_toggle_title">Is debt consolidation the right option for me?</h5><div class="et_pb_toggle_content clearfix"><p><span>Debt consolidation can be beneficial for individuals struggling with multiple debts and seeking a more organized repayment plan. It may also be suitable if you qualify for a lower interest rate than your current debts, helping you save money over time.</span></p></div></div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_3 et_pb_toggle_close"><h5 class="et_pb_toggle_title">Will debt consolidation affect my credit score?</h5><div class="et_pb_toggle_content clearfix"><p><span>Consolidating your debts may initially cause a slight dip in your credit score. However, making regular, on-time payments on the new consolidated loan can help improve your credit score over time.</span></p></div></div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_4 et_pb_toggle_close"><h5 class="et_pb_toggle_title">Do I need collateral for a debt consolidation loan?</h5><div class="et_pb_toggle_content clearfix"><p><span>In most cases, debt consolidation loans are unsecured, meaning they do not require collateral. However, the interest rates for unsecured loans may be slightly higher than secured loans.</span></p></div></div></div></div></div></div><div class="et_pb_section et_pb_section_8 et_pb_with_background et_section_regular"> <span class="et_pb_background_pattern"></span><div class="et_pb_row et_pb_row_10"><div class="et_pb_column et_pb_column_1_3 et_pb_column_15 et_pb_css_mix_blend_mode_passthrough"><div class="et_pb_module et_pb_image et_pb_image_1"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="678" height="146" alt="" title="White credit 4 u logo" data-srcset="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png 678w, https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo-480x103.png 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 678px, 100vw" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png" class="wp-image-672 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="678" height="146" src="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png" alt="" title="White credit 4 u logo" srcset="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png 678w, https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo-480x103.png 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 678px, 100vw" class="wp-image-672" /></noscript></span></div><div class="et_pb_module et_pb_text et_pb_text_12 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><p><span style="font-weight: 400;">Credit4u has well established and committed relationships with a range of lenders Australia wide, which puts us in an advantageous position to offer you a loan that best suits your requirements.</span></p></div></div></div><div class="et_pb_column et_pb_column_1_3 et_pb_column_16 et_pb_css_mix_blend_mode_passthrough"><div class="et_pb_module et_pb_blurb et_pb_blurb_6 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone et-pb-icon"></span></span></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><span>Quick Link</span></h4><div class="et_pb_blurb_description"><p><a href="https://credit4u.com.au" target="_blank" rel="noopener">Home</a></p><p><a href="https://credit4u.com.au/about-us-2/" target="_blank" rel="noopener">About Us</a></p><p><a href="https://credit4u.com.au/contact-us/" target="_blank" rel="noopener">Contact Us</a></p><p><a href="https://credit4u.com.au/faqz/" target="_blank" rel="noopener">Faqs</a></p><p><a href="https://credit4u.com.au/contact-us/" target="_blank" rel="noopener">Apply Now</a></p></div></div></div></div></div><div class="et_pb_column et_pb_column_1_3 et_pb_column_17 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_blurb et_pb_blurb_7 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><a href="https://credit4u.com.au/contact-us/" target="_blank"><span class="et_pb_image_wrap et_pb_only_image_mode_wrap"><img loading="lazy" decoding="async" width="64" height="64" alt="" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-01.png" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-673 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="64" height="64" src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-01.png" alt="" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-673" /></noscript></span></a></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><a href="https://credit4u.com.au/contact-us/" target="_blank">Contact Us</a></h4><div class="et_pb_blurb_description"><p>Credit4u.com.au collects data for Local Capital Pty. Ltd.</p><p>ABN: 79 142 973 279</p><p>Licence Number: 393689</p></div></div></div></div><div class="et_pb_module et_pb_blurb et_pb_blurb_8 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"><div class="et_pb_blurb_content"><div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap et_pb_only_image_mode_wrap"><img loading="lazy" decoding="async" width="64" height="64" alt="" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-05.png" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-674 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="64" height="64" src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-05.png" alt="" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-674" /></noscript></span></div><div class="et_pb_blurb_container"><h4 class="et_pb_module_header"><span>Email</span></h4><div class="et_pb_blurb_description"><p>info@credit4u.com.au</p></div></div></div></div></div></div><div class="et_pb_row et_pb_row_11"><div class="et_pb_column et_pb_column_4_4 et_pb_column_18 et_pb_css_mix_blend_mode_passthrough et-last-child"><div class="et_pb_module et_pb_text et_pb_text_13 et_pb_text_align_left et_pb_bg_layout_light"><div class="et_pb_text_inner"><p style="text-align: center;"><span style="color: #ffffff;">Credit4u pays respects to the Traditional Custodians of lands all over Oz, recognising their continued care for Country and Culture. 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