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Get In Touch For a Free Debt Assessment

Your answers today are 100% confidential.

What Is Personal Loan
Debt? 

A personal loan is a lump sum you borrow from a bank, lender, or credit provider often to cover big expenses like car repairs, weddings, medical costs, or to consolidate other debts.  

But when repayments start to stretch your budget or your income drops, that manageable loan can quickly turn into missed payments, defaults, and growing interest.  

Debt Fix works specifically with unsecured personal loan debt, the kind not tied to divisble property like a car or house.  

Typical signs of personal loan pressure: 

  • Falling behind after a temporary hardship 
  • Struggling with interest even after months of repayments 
  • Taking out credit cards or payday loans to stay on top 
  • Personal loan default notices from lenders 

You’re not alone and it’s not too late to turn things around.  

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Why It’s Easy to Fall Behind 

You might’ve started with the best of intentions. But life happens and many Australians fall behind on personal loan repayments due to:   

  • Checked IconJob loss or reduced hours 
  • Checked IconUnexpected medical or family expenses 
  • Checked IconRising mortgage, rent, and living costs 
  • Checked IconOverlapping with other debts like credit cards or BNPL 
  • Checked IconChanges in family or relationship dynamics  

Once you fall behind, interest adds up quickly and lenders may escalate to collections, legal notices, or even default listings on your credit file. 

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Signs It’s Time to Get Help

Don’t wait for things to spiral further. If you’re experiencing any of the following, now is the right time to explore your options   

  • Missed one or more personal loan payments 
  • Relying on payday loans or credit cards to repay your loan 
  • Receiving letters of demand or threats of legal action 
  • Feeling anxious about how to make next month’s repayment 
  • Using more than 30–40% of your income on debts  

Credit cards offer convenience but can easily become a trap. The system is designed to keep you paying interest.  

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How Debt Fix Can Help With Personal Loan Debt

We help you take control of personal loan debt, not by adding another loan, but by creating a smarter plan to repay what you can afford.   

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Part IX Debt Agreement 

If you're behind on repayments and feeling overwhelmed, a legally binding debt agreement can freeze interest, stop collection calls, and consolidate your debts into one affordable repayment.  

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 Informal Negotiation Plan 

Not eligible for a formal agreement? We may be able to negotiate directly with your lender to reduce your repayments and pause interest without impacting your credit file. 

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Responsible Referral to Consolidation or Refinance

If your income and credit file allow, we can assess whether rolling your personal loan and other debts into a lower-rate loan or mortgage refinance makes sense.  

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What Sets Debt Fix Apart

20+exp Two
20+ Years of Experience

We’ve seen every type of situation and know there’s always a path forward.

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No Upfront
Fees

We’ll never charge to assess your situation or explain your options.   

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Real People, Local Support 

You’ll speak with a real person who understands your situation and genuinely wants to help.  

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Australia-Wide Service

From cities to rural communities, we assist people in every state and territory.  

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What Australians Say About Debt Fix

Read Our Success Stories in Helping Australians go Debt Free

Over 20 years of success stories across every state in Australia
Success Story Helen

Helen
Debt Value: $44,780

I experienced financial hardship as a result of a previous relationship where I was a victim of domestic violence and financial abuse. During this time, I was coerced into taking out a loan with a bank, which I was later left solely responsible for repaying.

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Success Story William

William
Debt Value: $49,065

Everything started to unravel when my relationship with my ex-wife ended, and she was granted full custody of our children. This was an incredibly difficult time for me and had a significant impact on my mental health. During that period, I relied heavily on short-term, high-interest loans just to get by,

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Success Story Eadie

Eadie
Debt Value: $72,960

I ran into financial trouble after experiencing a period of unemployment, which led me to take out several loans to cover my living expenses. Unfortunately, I didn’t fully understand the high interest rates and short repayment terms involved, and this quickly trapped me in a cycle of debt that became unmanageable.

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Ready to Take Back Control?

Don’t let one loan define your financial future. We help you find a solution built around your life.    

Location Icon Available across NSW, VIC, QLD, SA, WA, TAS, ACT and NT 
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FAQs - Personal Loan Debt

Yes. If your loan is unsecured, it can typically be included in a Part IX Debt Agreement.

Unsecured loans are not tied to assets, if you default, lenders can’t directly repossess property, but they may take legal action. Secured loans are attached to assets like cars or homes.

Formal agreements will impact your credit file. But continuing to fall behind or defaulting does too, we’ll explain your options clearly.

It’s not too late. We help many clients after default notices, and we may still be able to negotiate or structure a solution.

If your credit and income allow it, refinancing might be an option. We’ll help you compare all available paths.

Yes. Once you're in a formal arrangement, collection activity must stop by law. Informal plans may reduce this pressure too.

Yes. We take a holistic approach to ensure your repayment plan works and is sustainable.

Yes, as long as your income allows for affordable repayments. We’ll assess your budget and eligibility.

No. Your arrangement is private and handled with full confidentiality.

We stay with you throughout. If your situation changes, we’ll help adjust or reassess, you’re never left on your own.
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