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It differs from a mortgage or car loan in that the lender cannot directly seize your assets if you fail to pay back the loan.

Your credit score still will be damaged if you default, though.

If you’re tired of the harassing calls from debt collectors and the never ending interest only payments, start your consolidation today and stop the high-interest fees from adding up and keep more of your hard-earned money.

We can help you pay off your debt LOWER YOUR CRAZY PAYDAY INTEREST APR NOW!

Before consolidating, you should note that some lenders may charge exit fees or early redemption charges if you repay ahead of schedule.

That's because they'll lose a chunk of the interest you would have paid if you'd stuck to the original terms.

We can help you avoid insolvency or bankruptcy and set your financial obligations straight.

If you feel you'd be tempted to fall into this type of destructive borrowing then a debt consolidation loan really isn't for you...

This service is designed to be a simple and effective support to consolidate all of your payday loans, and we can help devise the program that is right for your situation.

Every consumer’s circumstances are different, and while some debts may not qualify for this program and you must have a job or reliable earnings from an income source, we offer these services to people that are truly looking for help without getting a new loan.

For more information, check out: Rates and information current as at 14 December 2016 and subject to change.

NAB personal variable loan rate includes special discount off standard variable personal loan indicator rates which is available on new loans and for a limited time.

The program will help bundle your loans into a lump sum, advance one new low payment and help you pay them off quickly.

We offer the help when you need to turn your financial situation around and start living debt free.

Terms, conditions, fees, charges and lending criteria apply.

Comparison rate calculated on unsecured loan amount of ,000 over a term of 5 years based on monthly repayments.

An unsecured personal loan can be a great tool to consolidate your debts and get a fixed monthly payment at a lower rate.

But interest rates and other terms can vary greatly based on your credit score and other factors. A personal loan is an installment loan that is not backed by collateral such as a house or car.