Bad Credit
Debt Consolidation

bad credit personal loans background

We understand that sometimes debt can grow and appear in places you hadn't expected

One credit card becomes two, you get a third to help with paying the bills on time, then before you know it, you’re stuck on the minimum payment trap that keeps you in debt for many years, costing you thousands of dollars in extra interest repayments.

This is a common scenario which can lead to a bad credit report if you miss a few payments here and there. At Positive Lending Solutions, we can help you consolidate your debts into one easy periodical payment, even where you already have bad credit from a few missed payments.

What are the benefits of debt consolidation loans for bad credit?

There are several reasons why it’s a great idea to look into a debt consolidation loan for bad credit:

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  • You can group all of your different debts into one single debt, meaning just one periodical repayment
  • If the interest rate of the bad credit debt consolidation loan is less than the average interest rate of your other debts, you’ll save money
  • You can make the repayments over a period of between 2-7 years
  • By making your payments on time and in full for the life of the loan, your poor credit history will look much better
  • You’ll have a much better chance of securing a competitive prime loan in the future if you service the bad credit debt consolidation loan per the agreement

Can you get a bad credit debt consolidation loan?

Chances are we’ll be able to help, regardless of your credit history. There are a number of ways you may have acquired a bad credit history.

paid or unpaid credit default

Paid or unpaid defaults, including credit card defaults

finance after repossession


bankruptcy discharge

Discharged bankruptcies

no credit history

No credit history

part 9 debt agreement

Discharged from a Part 9 Debt Agreement

loan enquiry

You’ve made too many loan enquiries

We have an outstanding reputation for successfully helping people get debt consolidation loans for bad credit. We’re confident we can help you too.

Why choose Positive Lending Solutions for your bad credit debt consolidation loan?

  • We’ve got 35 years experience brokering finance, so we know how to get you the loan you need.
  • Our excellent relationships with over 30 of Australia’s best financial institutions means we have access to the top bad credit debt consolidation loans.
  • We concentrate on getting the best deal for you, not the banks and lenders.
  • In less than 24 hours you’ll usually have an answer.

What should you do now?

The first step is to call us on 1300 722 210. Our debt consolidation experts will explain everything you need to know, including repayment amounts and loan conditions and start the application process straight away.

Or you can fill out our Quick Quote form at the top of this page. It will take you less than 30-seconds and one of our team will call you ASAP. Our advice is 100% obligation free, so you really have nothing to lose, and a debt free future to gain.

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