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Coogans Debt Consolidation

We offer Debt Consolidation loans to make your life easier and to make your debt more manageable. 

Stay in control of your finances by consolidating your existing debts into one easy to manage loan, make your overall financial position better with flexible terms and interest rates that put you in a better position.

By combining multiple existing debts into one single new loan, the aim is always to reduce your weekly, fortnightly, or monthly repayments by having more favourable terms, which could include a lower rate of interest. 

You can apply online or call and book an appointment with one of our finance officers to get your debt under control helping you breathe a bit easier. 

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Features of Coogans Debt Consolidation

All loans are not created equal, Coogans Debt Consolidation Loans are a great option with lots of flexibility. 

Flexible Payment Options

Our Debt Consolidation Loans are tailored to suit your personal needs and give the flexibility to pay weekly, fortnightly, or monthly. 

A Better Finance Solution

We care about our customers.  Our dedicated team will strive to find the best solution to help get your debt under control. 

Competitive Rates

We offer interest rates staring at 16% depending on your credit assessment and personal circumstance and establishment fees from $50. 

Fast Approvals

Once your application has been submitted, along with supporting documentation, you will get an answer quickly.  We are usually able to do this within the same business day! 

Debt Consolidation Loan - Eligibility

We don’t discriminate against personal circumstance or age, we are happy to consider finance for customers that are self-employed, on a government benefitstudying or with no previous credit history.


Minimum age of applicant:18 years, after that we don’t mind how old you are! 


As long as you are receiving demonstratable income we are happy to consider your application providing you can afford it. 

Credit Rating

Although we look at your credit rating, we take a few other factors into consideration to be able to offer you the best financial solution. 

Frequently Asked Questions

No, you will only pay a one-off establishment fee.

The interest to be charged is calculated at the beginning so you know exactly how much you are going to pay over the term of the loan.  This interest is charged on the reducing balance, not the total amount of your loan. 

Yes of course you can, we treat everyone as individuals regardless of your income type. 

You can pay by either BPAY, bank transfer, over the phone with a card, come into a Coogans branch or we can set up a direct debit for you.