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Debt Consolidation Personal Loans

Annual interest rate Up to 3%
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Your personal loan repayment calculator

Consolidate your debt into one easy to manage repayment with a personal loan.
Please enter an amount between $5,000 and $2,000,000
Debt consolidation Loans

You're in control

Take back control of your finances with a debt consolidation loan. You can significantly reduce the amount of interest you incur over the lifetime of multiple debts, or if you’re struggling to manage several debt repayments at once, consolidating your debts into a personal loan will one regular repayment can simplify your finances and make budgeting easier.

Not only does budgeting become a breeze with a debt consolidation loan, they could also save you a lot of money thanks to our great low rates and no monthly fees. And with no early repayment fees, you could pay off a little extra and become debt free sooner.
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Secure a better deal

Do you own a car or other valuable asset? You could borrow up to $2,000,000, access loan terms of up to 10 years and be rewarded with lower rates by selecting the secured loan option when you apply for your Mutual Finanz personal loan.
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How it works

Getting a personal loan with Mutual Finanz is quick and easy.

Credit Parameters

In as little as 2 min we’ll give you your credit parameters based on your request.

Apply Online

It only takes 5 minutes for most people to complete their online application.

Get Your Funds

Once approved, we’ll have the funds in as little as 1 business day.
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How our rates compare

See how our unsecured personal loan rates measure up to the big 4, Commonwealth Bank, Westpac, ANZ and NAB.
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Rates as of 15/12/2021. Excludes short term bank promotions.

Personal loans made easy

Save on interest

You could significantly reduce the amount of interest you pay over the lifetime of multiple debts by consolidating into one easy to manage payment.

Simplify your debts

Consolidate your debts into a single repayment or pay for expenses like that would have been difficult to pay off with a credit card.

Pay it off sooner

We don’t charge any penalties for paying off your personal loan early, so you have the option to pay a little extra off when you can!
Credit Score

Be in the know

Banks and lenders know your credit score, and so should you. Find out about your score, how it all works and how you can improve it.
Unlimited Access
Track Your Progress
Improve Your Score
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Don't just take our word for it...

"Process extremely easy and speedy. Staff great to work with and kept updated consistently throughout whole process."
Google
Mar 2021
“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time. The paperwork is so simple you can do it from your phone.”
Google Review
Nov 2020
“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time. The paperwork is so simple you can do it from your phone.”
Google Review
Nov 2020
“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time. The paperwork is so simple you can do it from your phone.”
Google Review
Nov 2020
"Process extremely easy and speedy. Staff great to work with and kept updated consistently throughout whole process."
Google
March 2021
"Such an easy process to apply for my personal loan. From the start of the application to when the funds were in my bank was only a matter of a few days. Great service, would highly recommend”
Product Review
February 2021
“Cant speak highly enough of First Society. They approached our application with reasonable thought and actually took notice of affordability not just debits from accounts. Nothing seems to be too much problem with this company. Highly recommend.”
Google
March 2021
“Very speedy service fantastic people to deal with. Highly recommend First Society for a personal loan. I am very impressed with them and will use them again if need be in the future”
Product Review
February 2021
“First Society is a refreshing new way of doing banking. From my application through to draw down the process was streamlined and timely, as advertised. No hesitation in recommending their services.”
Google
March 2021
"Application process was simple and straight to the point. Customer Service was excellent, response times are quick and rates are in line with the BIG 4 banks."
Product Review
February 2021