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Finance Solutions To Help You Manage Your Debt

APLS Finance Solutions have access to several leading lenders & specialist business partners offering  home loan refinancing  and unsecured personal loans for the purpose of consolidating your existing debt.




Why Consolidate Debt?

Having multiple personal loans, credit card debt and store card debt can be difficult to track and manage, especially when repayments and due dates vary and interest rates differ.


A Debt Consolidation Loan could be a suitable way of combining your debt into one convenient  loan.*

By paying off your multiple loans through the refinance of your home loan or via an unsecured personal loan*, you'll have just the one loan and therefore the one manageable fixed repayment, helping you take back control over your debt & finances. 

Consolidating your loans can also help save on interest and avoid the higher interest rates that generally come with credit cards and store cards.

​To find out which option to consolidate your debt is right for you, contact our specialist lending consultant, Gerry Bosco, on 0437 698 781 or fill in our contact form by clicking here​.


Loan Amount: from $5,000

Terms: 1 to 7 years

Interest Rate: From 9.99%

Approvals: Can be within 24 Hours

*Loan Amount, Term of Loan & Interest Rates will vary and is based on your  loan purpose and risk rating as determined by the lender.

Lending & approval  criteria applies and all loans will require to be assessed by the lender in accordance with their lending, credit and risk policies.

Applications can be approved within 24 hours (where all requirements satisfied)..

Chat with one of our specialist consultants for further information and terms and conditions.

Real life customers and how we are helping them

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This is Tim and Jess, real life parents who want to consolidate their debts.

Tim and Jess have two kids and there’s another on the way. They have multiple debts on top of their monthly mortgage, so things are tight. They want to secure some cash out to reduce a major liability and simplify their debts into one monthly payment to get their finances under control. Unfortunately, they’d missed some payments on their personal loans – so their existing lender wouldn’t consider their application.

How can we help?: With a home loan from an alternative lender, they could get the cash they needed to consolidate their debts and reduce their financial worries.

Need help with a complex lending scenario?

APLS Finance Solutions are also the specialists in complex and alternative lending and can provide you with a number of finance solutions to assist with your personal situation.

 Here are some common solutions that we are assisting our clients with:

Missed Repayments on Mortgages

  • Home Loans

Overdue or Overdrawn Facilities

  • Credit Cards

  • Unsecured Debts

Unlimited Debt Consolidation

  • Personal Debt

  • Business Debt

  • ATO Debt

Income from

Various Sources

  • Government Payments & Family Tax A & B

  • Casual Employment

  • Child Support



  • Paid / Unpaid Defaults

  • Court Judgements & Writs

  • Discharged Bankrupt (one day)

We are also regularly helping our clients with:

Purchasing for investment purposes  

Cash out for personal use


Lenders that do not use credit scoring

Full Doc purchase up to 95% LVR or Alt Doc purchase up to 85% LVR

Non-genuine savings – gifted funds  accepted

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