Haybale in a field.

Roll your debts into one manageable loan.

13 .99 % p.a. Low interest rate.
14 .93 %* p.a. Comparison rate.
Haybale in a field.

Great competitive rate.

Save money and time on multiple repayments.

No early repayment fees.

Apply online.

You can count on us to help you streamline and get smarter with your debts. Consolidating your debts means replacing multiple debts – like credit cards, personal loans and store accounts – with just one loan. This can save you time and money, and help you manage your finances more effectively.

With no fees for extra repayments or early payouts as well as an easy online application process, our consolidation loan can get you back on track faster.

Consolidation loan. Annual rate. Comparison rate.*
Consolidation loan. 13.99% p.a. 14.93% p.a.

Comparison rate is based on a $30,000 loan over a 5 year term. Fees and charges are payable. Terms and conditions are available on request. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rate applies to both secured and unsecured loans.


Not payable on New Car Loan and Used Car Loan products.

All products except foreign currency and insurance are issued by Defence Bank. Defence Bank recommends you read the Defence Bank Products and Services - Conditions of Use for any product you choose to take. Any advice contained on this website is general advice only.

Next steps...

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Use our useful tools like the budget planner to get a hold of your finances.
Any questions? Talk to one of our experienced, helpful staff.
Start our fuss-free online application process to get things going.

Frequently asked questions.

No, there are no fees to pay out your loan early. Paying off a loan early usually means you save money on interest over the life of your loan, making it a great step financially if you can afford to do so. This is why we have no fees in this instance, encouraging you to make the best decision for yourself.

While there is no set maximum amount, we often require a vehicle to be held as security over loans of a higher amount. If there is a suitable vehicle, we can assess the loan on its own merit.

Congratulations on being so near to paying off your loan. The process of paying out the remainder of your loan is different depending on the type of loan you have.
If you want to pay out your home loan, you’ll need to contact your personal home loan consultant. Our helpful staff at our Contact Centre or in-branch can let you know who that is if you’re unsure.
If you want to pay out your car loan or personal loan, we can provide you with a payout figure up to one week in advance of the requested payout date. This figure can change day to day, and we need to make the final payment into the loan to close it off. Once you’ve spoken to us and transferred the right amount into one of your everyday accounts, we’ll keep an eye on it and make sure it’s closed off for you.

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