Simplify Your Repayments with Debt Consolidation
Managing multiple debts — like credit cards, personal loans, or car loans — can feel overwhelming. Debt consolidation allows you to combine several repayments into one structured loan, often making budgeting simpler and easier to manage. At AJP Finance, we guide clients across Melbourne through debt consolidation loan options, explaining how they work, what lenders look for, and the potential benefits and risks.
Combine Multiple Debts
We provide guidance on consolidating credit cards, personal loans, and other debts into a single loan with one regular repayment.
Explain Lender Criteria
We help you understand how lenders assess applications for debt consolidation, including income, expenses, and credit history.
Outline Benefits & Risks
We explain both the advantages (simpler management, potential savings) and risks (longer loan terms, possible higher costs) so you can make an informed decision.
Turning Multiple Debts into One Clear Repayment
A client from Melbourne was struggling with three different credit cards and a personal loan, each with different repayment dates and interest rates. We reviewed their financial situation and presented debt consolidation options through specialist lenders. By moving to one structured repayment, they were able to budget more effectively and reduce financial stress.
How Can Our Team Help You to Reach Your Goals
Initial Consultation
We start with a conversation to understand the types of debts you want to consolidate.
Financial Review
We review your income, expenses, and credit profile to determine what lenders may consider.
Explore Options
We outline available consolidation loan products, clearly explaining features, repayments, and lender expectations.
Application & Support
Once you’re comfortable, we help prepare the application and provide ongoing support through to settlement.
