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Put credit card debt where it belongs



Comparison rate*




Fixed interest rate




up to 7

Put your high interest debt where it belongs this January.


Australia's #1 finance service awarded by customers

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32 Billion reasons to consolidate.

There are 16 million credit cards in circulation in Australia with an average balance of $2,062. That's a staggering $32 Billion of outstanding balances.

Credit cards are great for the daily expenses you plan to repay immediately. But for purchases you plan to repay over time, there are better options available.

When to consolidate?

If you are not repaying your card balances back to zero every month, your credit cards could be costing you a small fortune in interest.

Repay your cards up to 5X sooner

Credit cards can be a decades long debt trap because there is usually no fixed monthly repayments or minimum term...

new repayments



Credit Cards: Minimum credit card repayments of 2.5% of outstanding balance OR $20 (which ever is greatest). Credit Card Cutter: 8.99% p.a. interest rate (9.27% p.a. comparison rate) 1 to 7 years. Savings: Savings do not take into account credit card fees and charges of the Credit Card Cutter application fee.

Calculte you Savings

Credit Card -v- Consolidate

Credit cards can look much the same as a personal loan. You borrow at an interest rate and repay over time. But there are four key differences which could be costing you time and a lot of money.

No fixed term

Credit cards don't have a fixed repayment term. This means you'll always have the temptation to draw your credit card right back up to the limit.

Reducing Repayment 

Minimum repayments are calculated as a percentage of the outstanding balance (usually 2% or 2.5%). The result can mean 4 to 5 times more interest than a consolidation loan and decades longer to repay.

Access to the money

Unlike a personal loan which you need to redraw to spend, a credit card is sitting right there in your wallet, ready to spend.

It's like carrying a packet of cigarettes with you when you're trying to quit smoking.

Honeymoon deals

Credit cards offer "honeymoon" deals that sound like incredible value. We all plan to transfer the balance when the intro rate is over, but few of us ever do.

Taking control of your credit cards is easy with a unsecured consolidation loan and Parker Lane. 

Repay up to 5X faster

Lower repayments

Save thousands



Borrow $1,000 up to $30,000 without the need to secure against your home 


Use your cash and savings to save interest and repay your loan sooner


Redraw additional funds paid when you want them. (redraw fee applies)


Repay your loan and close your account at any time without penalty


Use your cash and savings to save interest and repay your loan sooner


A low once off application fee  which can be added to the  loan at settlement


Use your cash and savings to save interest and repay your loan sooner


Choose the repayments that suit you. Choose to repay your loan from 1 up to 5 years.

Obsessed with Delivering

WOW Every Time

Hundreds of Australians speak to Parker Lane every month about ways to save money.


Out of 5


Sunday, January 13, 2019

Loan For Solar (Green loan)

Melanie knew her business, was easy to relate and chat with..
Helped with the 10 emails I sent her, as I just am so not tech savvy.
Also sent us The good solar book, so now I am empowered with knowledge when they come to install on Saturday..
I would highly recommend.. 
thanks again Melanie and Parker Lane.


Thursday, January 10, 2019

Fantastic Service

Francois assisted me with getting Finance for the Solar System.

Excellent customer service from start to delivery. No pushy sales pitch at all.

Definitely recommend him to everyone.

Rohit Jaggi

Wednesday, December 19, 2018

Great help

Francois and Travis helped me through the most stressful process I've ever had with calm and friendly approach.

They were always available to chat and kept constant contact through email and phone which was great. 

My settlement happened today and I'm very happy with the purchase! I never felt pressured to do anything and there were a few rocky bumps that was out of my control and theirs, but they did fantastic.

Franky Novotny

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"Extremely well spoken, 100% Organised and Professional in conducting every step along the way"

Cam, Lonsdale SA | 14 Nov 2018

Talk to a helpful adviser

Schedule a 10 minute call with the team voted #1 in 2018 for satisfaction to complete your application.

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