Stop juggling multiple repayments. One payment. One less thing to worry about.

Thousands of Australians are drowning in credit card debt, personal loans and buy-now-pay-later repayments all at once. OnePayment connects you with a specialist who can combine everything into one simple, manageable monthly payment — often at a lower overall rate.

  • No credit check just to enquire — zero impact on your score
  • A real person calls you back within 2 hours — no bots, no queues
  • Completely free referral service — no hidden fees, ever
  • All credit situations considered, including bad credit
We connect you with lenders specialising in: Personal loans Asset finance Debt consolidation
We understand

If you're struggling with debt, you might be thinking...

These are the most common feelings people share when they first reach out. Whatever you're experiencing — it's okay, and there are options.

"I don't even know how much I owe anymore"

That's completely okay and more common than you think. Our specialists help you map everything out from scratch — no judgement, just clarity. That's exactly what the first call is for.

"I'm worried my credit score is too low"

A low score doesn't mean no options. We work with lenders who consider all credit situations including imperfect histories. It costs nothing to find out what's possible for you.

"I've applied before and been knocked back"

A no from one lender isn't the end. Our partner has access to a wide panel of specialist lenders — many clients who came to us had been turned away elsewhere first.

How it works

Three simple steps to consolidate your debts into one payment

You don't need to have it all figured out before you reach out. The first conversation is free, obligation-free, and handled by a real person.

Tell us what you owe

Fill in our short form — it takes about 60 seconds. No credit check at this stage, no commitment and no pressure whatsoever.

A specialist calls you within 2 hours

A real lending specialist will call you to understand your full situation — your debts, your income, your goals — and find the best consolidation option for you specifically.

One payment replaces them all

Once approved, your existing debts are paid out in full. You then make a single monthly repayment on your new loan. Simpler, calmer, more manageable.

What we consolidate

We can consolidate almost any type of debt

From credit cards to car loans — if you owe it, we can almost certainly help combine it into one simple monthly payment.

Credit cards

Multiple high-interest cards combined into one fixed monthly repayment at a lower rate

Personal loans

Existing personal loans at higher rates rolled into a single, more manageable consolidated loan

Car & vehicle loans

Auto finance, motorbike loans, caravans and trailer finance all included

Buy now pay later

Afterpay, Zip, Humm, Klarna and all other BNPL balances consolidated into one payment

Home improvement debt

Renovation finance and home improvement loans included in your consolidated payment

Medical & other bills

Medical, dental, cosmetic and other outstanding personal bills consolidated

20+
years combined experience in our lending partner network
2hrs
average callback time — a specialist calls you within 2 hours
$0
cost to use our service — completely free referral, always
4.9★
average rating for our lending partner on ProductReview.com.au
Free, no-obligation enquiry

Get your free debt consolidation quote

No judgement. No pressure. Just a friendly specialist who will help you understand your options — even if consolidation turns out not to be the right path for you.

A lending specialist will personally review your enquiry and call you back within 2 hours. This is not an automated system — you will speak with a real, knowledgeable person.

By submitting, you agree to be contacted by our lending partner. Your information is handled in accordance with our Privacy Policy. No credit check is performed at this stage. Credit is subject to lender approval and eligibility criteria.

Common questions

Frequently asked questions about debt consolidation

No. Simply submitting an enquiry with us does not trigger a credit check and has zero impact on your credit score. A credit check only occurs if you choose to proceed with a formal loan application through our lending partner — and only ever with your explicit knowledge and permission.
Yes, absolutely. Our lending partner works with a broad panel of lenders including those who specifically cater to people with imperfect or bad credit histories. A low credit score doesn't mean no options — it means we need to find the right lender for your circumstances. It costs nothing to find out what's possible.
Debt consolidation loans in Australia typically range from $3,000 to $50,000 depending on your income, living expenses, and credit profile. A specialist will give you a realistic, personalised figure within hours of your enquiry — at absolutely no cost to you.
Yes — OnePayment is a completely free referral service. Our lending partner pays a referral fee when an enquiry is submitted. You pay nothing to enquire, nothing to speak with a specialist, and nothing to explore your options. There are no hidden fees of any kind.
That's exactly why we always recommend speaking to a specialist before making any decisions. They'll look at your full financial picture and give you honest advice — even if consolidation isn't the best path for you, they'll tell you that clearly and suggest what might work better.
From enquiry to approval can be as fast as 24 to 48 hours for straightforward applications. The initial specialist call is usually around 15 to 20 minutes. Once approved, your existing debts are paid out and you begin making your single consolidated repayment.