Roll Multiple Debts into One Simple Loan

Combine multiple debts into one simple repayment and make managing your finances easier. At Finance Barn, we can help you streamline your repayments, reduce the stress of juggling different due dates, and stay on top of your financial commitments. Whether it’s credit cards, personal loans, or other commitments, we’ll work with you to find an option that fits your budget and goals.

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Why Choose Debt Consolidation with Finance Barn?

One Simple Repayment

Combine personal loans, credit cards, and other debts into a single regular repayment.

Lower Interest Rates

By securing a rate that works for your situation, you may be able to lower your total repayment amount.

Better Cash Flow Management

Free up your monthly budget with a structured repayment plan tailored to you.

Flexible Loan Terms

Choose a repayment term that suits your budget and goals, with options of up to 7 years.

How We Make Debt Consolidation Simple

A debt consolidation loan can combine multiple unsecured debts such as personal loans, credit cards, or store cards into one clear and manageable repayment.

We review your current debts and financial situation, then arrange a loan that pays off your existing balances in full. This leaves you with one repayment on terms that suit your budget and help you stay on track.

What You Can Expect with Finance Barn

Loan amounts from $5,000 to $85,000

Competitive rates

Flexible terms from 1 to 7 years

Faster approvals

Options for all income types

Early payout flexibility with most lenders

Am I Eligible for a Debt Consolidation Loan?

Finance Barn works with a wide panel of lenders to find a suitable option, even if your credit score is not perfect.

Stable income from full-time, part-time, or self-employment

Multiple active debts or outstanding loan balances

Satisfactory repayment history

Over 18 years of age

Ability to meet new loan obligations

What Impacts Your Debt Consolidation Rate?

Your interest rate will depend on your financial profile, loan details, and overall risk to the lender. Here are the main factors lenders consider:

Credit Score

Higher scores can unlock more competitive rates.

Repayment History

A strong track record of on-time payments can work in your favour.

Income & Stability

Steady earnings build lender confidence

Loan Term & Structure

Shorter terms may cost less in the long run.

Security or Collateral

Secured loans may have lower rates than unsecured ones.

How Much Can I Borrow to Consolidate Debt?

Loan sizes range from $5,000 to $100,000, depending on your existing debt, income, and credit history. We’ll help assess how much you need and what you can comfortably repay.