Simple & Effective Debt Consolidation Solutions
Debt Consolidation Loans in Adelaide
Managing more than one debt is a lot. Credit cards here, a personal loan there, maybe a car loan in the mix. Most times, you’re paying more in interest than knocking down the balance. At Fintell Finance, we’ve been helping South Australians with finance management for over 20 years. Our debt consolidation loan in Adelaide lets you take all those debts and roll them into one organised single repayment, often at a better rate. So, you can breathe easier and see a way forward. We’re local Adelaide finance specialists, led by an approachable women-run team, who’ve helped thousands of families, tradies, and business owners get back on top.
Start Your Debt‑Free Journey Today
We believe debt consolidation should feel empowering rather than overwhelming. Here’s how we make it happen:
A Plan Tailored Just for You
We know every client is different. If you’re combining credit cards, personal loans or car finance, we structure your debt consolidation loan around your income, credit profile and lifestyle. The result is one manageable repayment and a clear timeline for becoming debt-free.
What Is a Secured Debt Consolidation Loan?
A secured debt consolidation loan is a type of loan where a borrower combines multiple existing debts into a single new loan that is backed by collateral (an asset the borrower owns, such as a house, car, or savings). Because the loan is “secured” by the asset, the lender faces lower risk. Because lenders have something of value guaranteeing the loan, they typically offer lower interest rates, higher borrowing limits and longer repayment terms. If you’re a homeowner or asset holder with several high‑value debts, secured consolidation can lower your total interest payments and reduce monthly repayments substantially. It’s ideal for rolling together multiple credit cards, personal loans or other large debts and could help free up cash flow without selling your assets.
Highlights:
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Use an asset to unlock better rates
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Ideal for consolidating higher‑value debts
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Extended repayment terms available
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Reduce total interest paid over time
5-Step Process
How It Works-5 Easy Steps
Quick Consultation
Speak with one of our experts about your current debts, monthly repayments and financial goals. We listen first, then outline your options.
Compare Loan Options
We assess your profile and compare top lenders across Australia to find the right consolidation structure, interest rate and fees.
Get Pre-Approved
Within 24–48 hours, you’ll know exactly what you’re eligible for without hurting your credit score.
Finalise Your Loan
Once approved, we handle the paperwork and assist you in paying off your existing debts, allowing you to move forward with a single new loan.
Enjoy Simpler Finances
Make a single monthly repayment, save on interest and focus on building a stronger financial future.
Get Smarter Debt Management for a Stronger Future
Our consolidation loans are designed to reduce stress and streamline your budget. With secure online finance solutions and options for lower monthly repayments or no‑deposit structures, you’ll gain control over your finances while eliminating unnecessary fees. Here’s what sets us apart:
Unbeatable Interest Rates for Debt Consolidation
By accessing Australia’s most competitive lenders, we help reduce your total interest costs and improve your repayment structure. Whether you want a fixed or variable rate loan, we’ll show you the pros and cons so you can choose confidently.
Ultimate Flexibility and Zero Hidden Costs
We design a solution that fits your financial lifestyle. One easy repayment, transparent fees and no surprises. With options for early repayments and custom loan terms, you’re free to pay off your debt sooner without penalty.
Why Choose Fintell for Your Debt Consolidation
When you’re managing multiple debts, you need a partner who brings clarity. Fintell Finance is that partner. With more than two decades of local experience in Adelaide, we’re known for personalised service, genuine advice and real results.
Simple & Fast Loan Process
We make debt consolidation quick, seamless and stress‑free. Our team of female‑led finance specialists explains every step, answers your questions and keeps the process moving so you can stop juggling multiple repayments and reduce financial pressure.
Proven Results That Matter
One couple recently consolidated several credit cards and personal loans through us and then cut up their cards, choosing to live strictly on their budget. Even after paying off the loan, they continued budgeting and only cards when funds are already available. This is proof that consolidation can foster lasting financial discipline. Another business owner who came to us after bankrupting a company consolidated $70k in personal debt across four lenders. With a lower interest rate and longer loan term, they halved their monthly bill and were able to buy their first home six months later. These experiences demonstrate that consolidation can facilitate progress.