Debt consolidation loans

Finding it hard to stay on top of your debts? It might be time to streamline them into one manageable debt consolidation loan with Latitude.

Apply for a debt consolidation loan today
Calculate your likely repayments

Why choose Latitude for debt consolidation?

Apply for your loan online

Complete your loan application online. It’s that easy!

Tailored to your needs

Our team of specialist consultants will help you choose the loan that’s right for your lifestyle and budget.

Fixed interest rate

Always know where you stand with a fixed interest rate that’ll last for the life of the loan.

Flexible repayments

Choose from weekly, fortnightly or monthly repayments and make extra payments as and when you can.

Call our debt consolidation specialists now on 1300 973 422
Mon - Fri, 8am - 7pm (AEST)

Apply online for a debt consolidation loan

Interest rates and fees

Secured rates

from
12.99 % pa*
14.20 % pa^
Comparison rate

Unsecured rates

from
13.99 % pa*
15.20 % pa^
Comparison rate

*Interest rates range from 12.99% p.a. and 30.99% p.a. for secured loans and from 13.99% p.a. and 34.95% p.a. for unsecured loans, depending on a number of factors, including the information you provide us and our assessment of your application.
Note: An interest rate from 12.99% is only available on secured loans above $10,000.

^The comparison rates range from 14.20% p.a. to 32.13% p.a. for secured loans and from 15.20% p.a. and 36.08% p.a. for unsecured loans. Loans are based on a loan of $30,000 over 5 years.

WARNING: These comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. If approved, we will confirm your actual interest rate in your loan contract.

Fees

Establishment fee$140 for loans under $4,000
$250 for loans over $4,000
Loan service fee$13 per month
Payment handling fee for Australia Post & BPAY®$1.50 per payment
Late fee$35 in the event that you can’t make the minimum repayment by your agreed due date
Early termination fee$150 within the first half of your loan term
$75 within the second half of your loan term
$0 during the last 6 months of your loan term

Interest rates and fees

Secured rates

from
12.99 % pa*
14.20 % pa^
Comparison rate

Unsecured rates

from
13.99 % pa*
15.20 % pa^
Comparison rate

*Interest rates range from 12.99% p.a. and 30.99% p.a. for secured loans and from 13.99% p.a. and 34.95% p.a. for unsecured loans, depending on a number of factors, including the information you provide us and our assessment of your application.
Note: An interest rate from 12.99% is only available on secured loans above $10,000.

^The comparison rates range from 14.20% p.a. to 32.13% p.a. for secured loans and from 15.20% p.a. and 36.08% p.a. for unsecured loans. Loans are based on a loan of $30,000 over 5 years.

WARNING: These comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. If approved, we will confirm your actual interest rate in your loan contract.

Fees

Establishment fee$140 for loans under $4,000
$250 for loans over $4,000
Loan service fee$13 per month
Payment handling fee for Australia Post & BPAY®$1.50 per payment
Late fee$35 in the event that you can’t make the minimum repayment by your agreed due date
Early termination fee$150 within the first half of your loan term
$75 within the second half of your loan term
$0 during the last 6 months of your loan term

Call our debt consolidation specialists now on 1300 973 422
Mon - Fri, 8am - 7pm (AEST)

Apply online for a debt consolidation loan

Why choose Latitude for debt consolidation?

Apply for your loan online

Complete your loan application online. It’s that easy!

Tailored to your needs

Our team of specialist consultants will help you choose the loan that’s right for your lifestyle and budget.

Fixed interest rate

Always know where you stand with a fixed interest rate that’ll last for the life of the loan.

Flexible repayments

Choose from weekly, fortnightly or monthly repayments and make extra payments as and when you can.

Calculators

Loan repayment calculator

Tell us how much you want to borrow and we’ll give you an idea of what your repayments could be.

Calculate now

Budget planner

Take a look at your income and expenses to work how much you can afford to repay.

Start planning

How it works

1

Apply for your loan online

Check your eligibility and complete your application in less than 10 minutes.

2

Get a response

We can give you a response on your application in under 60 seconds.

3

You’re on your way

Once you’ve provided a few extra documents and are approved, your application’s complete. Settlement will take place and you’ll have the funds.

Cover yourself with loan protection insurance

You never know what’s going to happen further down the track, so why not take out insurance to guard yourself against the unexpected.

Application checklist:

To be eligible, you must be:
  • At least 18 years old
  • A permanent resident of Australia
  • Earning an annual gross income of more than $24,000 p.a.
  • Able to demonstrate a good credit history for the last 5 years
  • Free from bankruptcy for the last 7 years
You will need to provide:
  • Your Australian driver’s license (if you have one)
  • Your current employment details, including two recent pay slips and/or your tax return if you are self-employed
  • Details of any amounts owing, including other loans, credit/store cards and overdrafts
  • Details of your living expenses, including your rent and/or mortgage payments

Call our debt consolidation specialists now on 1300 973 422
Mon - Fri, 8am - 7pm (AEST)

Apply online for a debt consolidation loan

Frequently asked questions

Debt consolidation

Application and approval

Fees, charges and interest

Important Information

*Approved customers only. Terms, conditions, fees and charges apply. Interest rates range from 12.99% to 30.99% for secured loans and from 13.99% to 34.95% for unsecured loans and will depend on our assessment criteria. All applications are subject to lending and approval criteria. Settlement times may vary depending on circumstances.

^The comparison rates range from 14.20% to 32.13% (secured) and 15.20% to 36.08% (unsecured). Loans are based on a loan of $30,000 over 5 years.

WARNING: These comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

An example based on a secured personal loan of $30,000 borrowed for 5 years with the minimum interest rate of 12.99% p.a. (14.20% p.a. comparison rate), would equate to a total amount payable of $42,068 (including a $250 establishment fee and $13 monthly loan servicing fees).

Secured and unsecured personal loan repayment terms range from 2 to 7 years.

Credit provided by Latitude Personal Finance Pty Ltd ABN 54 008 443 810. Australian Credit Licence number 392163.