Let’s start with RAC Finance, a renowned Western Australian company that’s best known for its insurance products. Under their debt consolidation scheme, you can combine your various auto loans and credit card debts into one loan.

One thing I can praise them for is their highly competitive interest rates. For their consolidated debts that cost more than $70,000, they only charge 7.95% per annum, which is slightly lower when compared to the average of 8.52% per annum.

It’s also much appreciated that they don’t charge any monthly fees on your loan, making theirs very accessible for most people.

Thankfully, it’s also easy to apply for a loan here, as they let you sign your loan contract virtually. They can also have it pre-approved in 7 hours!

However, I dislike that they charge a $400 early termination fee if you pay out your loan within 24 months.

Great service and great help

“Girls there helped me with my membership card, great service and great help”

-Gary C, Google Reviews

Was good at guiding us through

“Only a bit of wait time and the consultant was good at guiding us through. Highly recommend them.”

-Denice Foo, Google Reviews

Another reliable choice for debt consolidation is Revive Financial, a financial institution headquartered in Queensland. These folks have been at it since 2005, helping Perthites tackle their debts like pros.

For their debt consolidation service, they create tailored solutions that can tackle a wide range of unsecured debts, like credit card bills, store card payments, and personal loans.

Furthermore, they also offer a special service for people who are in extremely rough times. Called the Temporary Hardship Plan, this emergency plan consolidates your debt with a three-month debt relief included.

Another thing I appreciate is their partnership with many of Australia’s social support organisations, like Gambling Help Online. These people can provide counselling and emotional support to those riddled with debt.

Sadly, not everything is great with Revive Financial, as some clients had difficulties getting responses to their enquiries.

Made the whole debt consolidation process a walk in the park

“Zach has made the whole debt consolidation process a walk in the park, very understanding of my complex situation causing my debts. Very manageable repayments, thoroughly discussed the process and what to expect, happily answered any questions or concerns, this process, zach and the revive team have relieved so much stress I would highly recommend them to anyone considering or needing to do debt consolidation.”

-Thea Rose, Google Reviews

They talked me through my options and helped me immensely

“I was drowning in small debts and unable to get above it. Revive didn’t judge, they talked me through my options and helped me immensely. I am very grateful for the professional advice I received and wouldn’t hesitate to recommend Revive to anyone in a similar predicament.”

-Kris Cook, Google Reviews

If you want assurance that you’ll get the best deal for your debts, come check out Clear Credit Solutions. Founded in 2014, they offer debt consolidation services that are covered by their full refund policy.

Simply put, this means that they’ll refund your payment in full should they fail to reach a conclusive agreement with your creditors. Combined with their no-hidden-terms promise, they certainly are one of the more trustworthy options you can rely on to take care of your bad debt.

Furthermore, I’m also a huge fan of their flexible approach to handling debt consolidation. Not only can they negotiate reduced payments on debts, but they can also consolidate outstanding payments into one lump sum.

You can learn more by contacting them for a free consultation. Just take note that they require clients to pay upfront before they can assist them!

Clear Credit Solutions has been instrumental in resolving my credit issues

“Clear Credit Solutions has been instrumental in resolving my credit issues. Their professional and effective service helped remove inaccuracies from my credit report, significantly improving my score. I have also referred many of my clients to Clear Credit Solutions, and they have all been extremely satisfied with the results. The team’s dedication to providing tailored solutions and their transparent, no-win, no-fee approach ensures a positive experience. I highly recommend Clear Credit Solutions for anyone facing credit challenges.”

-Carla Nesci, Google Reviews

First class in skills, experience and integrity

“The team at Clear Credit Solutions are first class in skills, experience and integrity. My clients engaged them for assistance and they came through with flying colours. I would recommend them for anyone who needs assistance with their credit records. Keep up the great work!”

-Danny Tran, Google Reviews

For those looking to access the most comprehensive assistance for their debts, there’s Debt Negotiators. Their experts can assist you in consolidating your credit card debts, ATO debts, and more.

What makes them stand out for me is their individualised debt recovery plans. This means they don’t limit themselves to debt consolidation, as they can also utilise other methods, like informal debt agreements and home loan refinancing, to stabilise your financial situation.

Thankfully, they aren’t picky with their clients and will assist even those who have bad credit ratings. Ask them for a free financial consultation to see whether they can serve as your partner in resolving your debt problem.

However, it sucks to hear that they sometimes fail at communicating properly with their clients. There were some instances of them failing to respond to enquiries and concerns quickly.

Allowed me to make affordable payments over a great time frame

“Absolutely amazing company!! Freed me from being declared bankrupt and allowed me to make affordable payments over a great time frame. This allowed me to retain my dignity and credit rating. Thanks to your whole team whose service was second to none!!!”

-Tini, Trustpilot Reviews

I’m now totally debt free

“Thank you helping me through a difficult time when the banks weren’t interested in helping me get through my financial trouble but I found your services online and applied and I was quick and simple was told what was going to happen every step of the way could have been more helpful it’s a pity the banks aren’t as easy to deal with. Thank you for your help I’m now totally debt free”

-G Glazbrook, Trustpilot Reviews

Another locally-based debt consolidation agency you can work with is FinanceCorp. Located in Cockburn Central, they have 24 years of experience in simplifying financial obligations and reducing interest costs.

One of the best things I can say about this agency is their quick processing times. With the help of advanced AI tools, their specialists can prepare a solid debt consolidation plan for you within 48 hours.

It’s also amazing to hear that they offer cashback incentives to people who use their services. Should you choose them for debt consolidation, you can receive cashback of up to $3,000!

They also have a no-hidden fee guarantee, which is always nice.

However, there might be times when you might have to wait a full business day before you’ll get a proper response from them.

We are so happy with her commitment to her clients

“Our daughter needed help to refinance and consolidate. Tracy was not only helpful at every step but had the loan application in and approved quickly and at a lower rate. We are so happy with her commitment to her clients and our daughter is over the moon.”

-Petra Weir, Google Reviews

They truly exceeded my expectations with the services provided

“I am so grateful to Susan and her friendly staff at FinanceCorp for their help and advice during my journey. They truly exceeded my expectations with the services provided. Very prompt and effective communication lines between her and us, and I’d say the amount of work involved—they do 90% on my behalf—just simply makes my life a lot easier. I have and will recommend her business to anyone for their peace of mind. I will certainly use them again.”

-Gabriel Laim, Google Reviews