Regain Control and Reduce Financial Stress

Debt doesn’t have to be overwhelming. If you’re juggling credit cards, personal loans or payday advances, a personal debt consolidation loan can help bring it all together—into one simple, manageable repayment.

Not only can this save you time, stress and potentially money, but it also gives you a clearer picture of your finances and a real sense of control. With the right loan structure and expert guidance, you can stop feeling like you’re just keeping up—and start moving forward with confidence.

Credit Cards

High-interest credit card balances rolled into one manageable loan.

Personal Loans

Combine multiple personal loans into a single repayment.

Medical & Education Costs

Bundle outstanding bills or study loans into a single repayment plan.

Car & Vehicle Loans

Simplify repayments by consolidating car or bike loans.

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Ajay Thakur profile picture
Ajay Thakur
2 days ago
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Manuela was great to deal with and I would highly recommend her
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Brodi Gant profile picture
Brodi Gant
3 days ago
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Manuela was amazing, was able to get a loan in a short amount of time and the process was made easy.
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Dan Wicks profile picture
Dan Wicks
12 days ago
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Dylan made it super easy to obtain finance on the two ocasions I have dealt with QPF and I have no problem recomending them to any one looking for plant and equipment finance.
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bec P profile picture
bec P
25 days ago
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Manuela is and was one of the most supportive and informative brokers I have had the pleasure doing business with. From the first time I spoke with her she put me at ease (I was pretty freaked out about getting a loan) and gave me every single bit of information I needed. She handled all of my many many queries, questions and what if’s professionally and also made me feel safe and looked after. Anything I didn’t understand she was happy to explain and in great detail and was always available when needed. It was an absolute pleasure having her as my broker and I will be recommending any of my friends and family to her in the future. Thank you so much for getting me into my much needed and very overdue new car!!!
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Said Atalla profile picture
Said Atalla
25 days ago
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Dylan Long was so great, professional communication, he prepared the marine quote loan quickly & professionally, emails always sent for every update, no need to call, I believe I will be a return customer, this is a real 5 start service.
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Jack Segond profile picture
Jack Segond
39 days ago
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Manuela Mattiuzzi was great to deal with. Made everything easy and simple, explained everything well and didn't feel like I had to be on the back foot. Definitely recommend
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Shaun Birmingham profile picture
Shaun Birmingham
47 days ago
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I would like to acknowledge Manuela Matiuzzi for her work on my recent loan application. Nothing is a stress when dealing with Manuela she presented clear and concise information and was able to explain any questions I had with out hesitation or delay. I would happily recommend Manuela to my friends and family.
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Abigail Kadel profile picture
Abigail Kadel
51 days ago
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Both Manuela & Luke from QPF Finance are great! Very helpful, and helped me get the result I was after. Highly recommend.
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Sheraya Theron profile picture
Sheraya Theron
53 days ago
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We had a positive experience getting finance with QPF. Manuela was great to deal with - both proactive and friendly. Even got the rate down for us a little which was much appreciated.
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Nathan Dowling profile picture
Nathan Dowling
59 days ago
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Manuela did a fantastic job they patient very easy to deal with and will work with you and for you your not just a number
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PATRICK COYNE profile picture
PATRICK COYNE
60 days ago
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I highly recommend Manuela Mattiuzzi at QPF when looking for a finance broker. Manuela's service in my recent application was exceptional. She is thorough and proficient in her job yet still so very personable and engaging. Nothing seems to be too much trouble for Manuela and her confident approach was very reassuring. I will seek out Manuela again in the future should I need to.
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Josh Oosen profile picture
Josh Oosen
67 days ago
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Manuela was so easy to deal with and did everything possible to help me. Very thankful for all the communication and constant contact with Manuela. Would highly recommend
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Georgie Crozier profile picture
Georgie Crozier
67 days ago
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I had a wonderful experience with my finance broker Manuela at QPF. The process was simple and stress free
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Ryan Gleadhill profile picture
Ryan Gleadhill
82 days ago
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I cannot recommend Manuela highly enough. From start to finish, she has been absolutely outstanding to deal with. Her communication, professionalism, and dedication have made the entire process smooth and stress-free. No matter the time of day, Manuela was always willing to help, answer questions, and provide guidance whenever needed. She went above and beyond to ensure everything was handled efficiently and kept me informed every step of the way. If you’re looking for a broker who genuinely cares about her clients and works tirelessly to achieve the best outcome, Manuela is the person to see. Thank you for all your hard work and support—I truly appreciate everything you’ve done
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Brett Dinning profile picture
Brett Dinning
95 days ago
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This my second time using Manuela as my broker nothing is ever a problem it quick no fuss aand always an easy process. Thanks again Manuela 10/10👌
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Paul Kent profile picture
Paul Kent
96 days ago
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Manuela was great, the process was quick & easy & I would definitely be recommending her to anyone that is looking for a financial broker. Thank you Manuela .
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Reece McGrath profile picture
Reece McGrath
122 days ago
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Delayed review but well deserved 2nd time working with Manuela earlier this year and couldn't make the process any more easier. As a start up business I couldn't recommend Manuela as a broker enough along with the team at QPF. Thankyou again from myself & the team Pride Gym Underwood 🙏🏻
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Dianne Wharepapa profile picture
Dianne Wharepapa
130 days ago
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I have dealt with Sia Puru as my finance Broker a few times referring friends and family to her as she helped me get a loan for a new vehicle and was very prompt and always in good communication with me which was what I loved about her I would recommend her to anyone that needs finance which I have more then once.
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Steven Reynolds profile picture
Steven Reynolds
130 days ago
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We couldn’t be happier with the service from Sia. She was professional, responsive, and went above and beyond to find us the best option for our needs and budget. The whole process was smooth and stress-free thanks to her support. We’d definitely use her again and recommend her to anyone!
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Kris Pussell profile picture
Kris Pussell
130 days ago
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Manuela was the perfect broker, she got me approval in a short period of time and was very very helpful. 100% recommend QPF finance and hopefully you get Manuela ☺️
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Jack Clifford profile picture
Jack Clifford
130 days ago
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Thank you Manuela at QPF! My business would not be where it is without you! QPF is unreal at what they do, they have never failed to help or get anything done. I cant thank you enough and will keep recommending you to anyone who asks!
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HÄRŁÊM ŠŁÜXX profile picture
HÄRŁÊM ŠŁÜXX
132 days ago
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10/10 highly recommend , Sophie and Sia made everything 10 x easier also efficient , couldn’t ask for anymore
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Capture My Soul profile picture
Capture My Soul
137 days ago
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Dylan was incredible from our first contact 6 months prior to finalising our finance. Thank you so much for everything. You’ve been amazing. Very kind patient and so relaxed and reassuring. Much appreciated.
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Miss Bubble Tea profile picture
Miss Bubble Tea
139 days ago
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I had a fantastic experience with QPF Finance Group while working with Sia to secure financing for our food trailer. From start to finish, everything went incredibly smoothly! Sia was professional, knowledgeable, and had exceptional communication skills. She guided us through each step of the process and made sure we felt confident in our decisions. We were truly pleased with the outcome and highly recommend QPF Finance Group for anyone in need of financing solutions. Thank you, Sia, for your outstanding support!
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adnan dayri profile picture
adnan dayri
141 days ago
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I’ve meet and I’ve worked with a lot of brokers in Queensland but Sia is one of the best broker highly recommended to anyone looking for finance. 10 stars for Sia.

DEBT CONSOLIDATION CALCULATOR

Estimate Your Repayments

Want to know what a personal debt consolidation loan will cost you?

Use our debt consolidation calculator to get an instant estimate on your repayments.

Loan Amount

Interest Rate

Loan Term

Balloon / Residual

Repayment Frequency

Your Estimated
Repayments

per week

Disclaimer: This calculator provides an estimate only and does not constitute a loan offer. Actual repayment amounts may vary depending on your individual circumstances and lender terms. Contact a QPF Finance Broker for a detailed quote.

Get in Touch

Ready to get started? Reach out to one of our experienced finance brokers today to learn more consolidating your debt.

How It Works

Chat with us

We’ll get to know your current debt position and what you’re aiming for.

We do the heavy lifting

Our team works with lenders to find a solution that suits your needs.

Get your approval

We’ll help you finalise your new loan and close out the old ones.

Enjoy the breathing space

Enjoy the breathing space With just one repayment to focus on, you’re back in control.

The QPF Finance Difference

Since 1977, QPF has been helping Australians take control of their finances with smart, tailored solutions.

As a family-owned business, we understand the stress that comes with juggling multiple debts. That’s why we go beyond just finding a loan. We compare lenders, explain your options, and structure a solution that makes your repayments easier to manage.

When it comes to debt consolidation, we don’t just secure finance — we help you get back on top with confidence.

Family-Owned & Operated

We treat your goals with the same care as our own.

Access to 80+ Lenders

We compare debt consolidation options to find the right fit for your situation.

Debt Consolidation Specialists

From credit cards to personal loans, our team knows how to simplify your repayments.

Ongoing Support

We’ll help with everything from applications to upgrades and refinancing in the future.

Everything Finance, All in One Place

Debt consolidation, cars, property, equipment, and more — we’ve got you covered.

Simplify Your Finances Today

Debt consolidation isn’t just about simplifying payments—it’s about taking back control.

By combining your debts into one, you create clarity and give yourself breathing room to plan ahead. It’s a smart step towards improving your credit score, boosting your financial confidence, and staying ahead of unexpected costs.

And the best part? You’ll have a real person in your corner, making the process easy from start to finish. Whether you’re feeling overwhelmed or just want a better structure, QPF is here to help.

PERSONAL DEBT CONSOLIDATION

Frequently Asked Questions

What is personal debt consolidation?

Does debt consolidation hurt my credit score?

Do I need security to get a debt consolidation loan?

How long does the process take?

Can I speak to someone before applying?

Will I save money by consolidating my debts?

What types of debts can be consolidated?

Can I still consolidate if I have bad credit?

What happens if I miss a repayment?

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