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How to compare consolidation options without making repeated applications

You can research rates, fees and eligibility before lodging several formal loan applications. The aim is to narrow the field first, then make one deliberate application when an option appears to fit.
Oct 5, 2026
 in 
Debt consolidation

Soft checks, hard enquiries and consolidation applications

Checking your own credit information does not affect your credit score. A formal loan application is different: the lender makes a credit enquiry, which becomes part of your credit report.
Oct 4, 2026
 in 
Debt consolidation

How recent credit applications can affect a refinancing plan

Credit applications can appear as enquiries on a credit report. Several recent applications do not prove that a new refinance will be declined, but they are part of the information a provider may assess and are a reason to avoid speculative applications.
Sep 9, 2026
 in 
Debt consolidation

How Long Does Negative Information Stay on Your Credit File?

If you've had a payment default, court judgment, or bankruptcy, you're probably wondering how long it will stay on your credit file. In Australia, most negative information stays for five years, but the starting point for that countdown varies. Here's what you need to know.
Nov 26, 2025
 in 
Credit Score

What are no credit check loans?

No credit check loans offer quick cash if you have a poor credit history.
Oct 12, 2023
 in 
Credit Score

Can I use payday loans with bad credit?

Payday loans in Australia can be an easy way to access instant cash.
Sep 12, 2023
 in 
Credit Score
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