Tired of juggling multiple credit card debts and feeling like you're not getting anywhere?
Get on the road to being debt free by consolidating your balances into a simple low-rate loan; saving you fees and interest, and setting a fixed term so you'll see the light on the horizon.Calculate your savings
Calculate your potential savings
Simplify your finances and your interest rate
RateSetter's rates are lower than most credit cards and by consolidating multiple cards, you could save on ongoing fees.
So not only could you save in the short term, you'll likely pay off your balances sooner.
With one simple monthly repayment that suits your situation, you'll find it much easier to balance your budget.
Plus there's no early repayment fees so you can pay it off earlier without penalty to help reach your goals even faster.
Credit card balance transfer offers sound like a great idea until you start using your new card all over again.
Remove the temptation and kick the habit for good with a personal loan that goes down, not back up!
Check your personalised rate with our 1 minute RateEstimate (it won't affect your credit score)
Apply online in minutes. Loans from $2,001 to $45,000 for terms from 6 months to 5 years
Some approvals happen within minutes, but it can take up to one business day to make a decision after we've received everything we need
On the business day after you accept your loan contract, funds will be transferred directly to your existing lenders to pay off your outstanding balances
RateSetter is rated 4.8 / 5 by our borrowers on independent review website ProductReview.com.au. RateSetter offers the highest rated personal loan in Australia.
I have reduced my monthly repayments to what the interest was on the credit card!!! Cutting that one up. Thanks RateSetter!
Excellent product. Fast turnaround on a simple debt consolidation loan that beat the major banks by around 5%. No hassles whatsoever
Great service! Fast and friendly! Excellent focus on getting customers the best rates which is much appreciated from my end :)
Use the calculator at the top of the this page to get an approximation of the savings. In addition to our conservative estimates, factor in costs such as balance transfer fees, annual fees, and early payoff penalties that you may pay when use credit cards or borrow from other sources.
You can consolidate or refinance all types of loans, including high-interest credit cards, store cards, personal loans, car loans and medical loans.
After submitting your application, if you've provided all the information we require and completed our online ID and income verification processes, you could be approved in as little as 4 hours.
If approved, you will be able to view and accept your loan contract online. Funds will be transferred directly to your existing lenders within 1 business day.
Make this the year you get on top of your finances by combining your existing debts into one fixed loan.Calculate your savings