Take Control of Your Debt
Take Control of Your Debt
Take Control of Your Debt
Bringing your debts together could mean fewer repayments, less stress, and more breathing room.
Bringing your debts together could mean fewer repayments, less stress, and more breathing room.
What is a debt consolidation loan?
What is a debt consolidation loan?
Managing multiple debts can feel overwhelming. Debt consolidation combines them into one simple loan, easing the mental load and giving you more space to focus on what matters.
You might even save money. With a shorter payoff term and lower interest rates, consolidation can cut costs and stress - helping you reach financial freedom sooner.
Some key advantages of consolidating debt include:
Some key advantages of consolidating debt include:
Having one recurring repayment is easier to manage than having multiple repayments
You have a clear schedule of when you can pay down the debt instead of multiple schedules on different timelines
You could gain better control of your monthly budget and cash flow as you have one simple debt to track
Loan Repayment Calculator
Loan Repayment Calculator
Before you apply for a loan, we think it's important to review your budget and be certain that you can comfortably repay it.
Once you know what you can afford in your budget, use our three-step loan repayment calculator to estimate your repayments before you apply.
Before you apply for a loan, we think it's important to review your budget and be certain that you can comfortably repay it.
Once you know what you can afford in your budget, use our three-step loan repayment calculator to estimate your repayments before you apply.
Before you apply for a loan, we think it's important to review your budget and be certain that you can comfortably repay it.
Once you know what you can afford in your budget, use our three-step loan repayment calculator to estimate your repayments before you apply.
I'd like to borrow:
$3,000
$3,000
$3,000
$3,000
Loan term (months):
24
36
Repayment cycle:
Fortnightly
Monthly
Credit rating
Good
Good
Fortnightly repayment estimate
$undefined
Interest rate: 15.5%
Total interest paid: $undefined
Total repayments: $undefined
Note: we have chosen the midpoint of each credit range in the marketplace to give you an indication of the interest rate charged. Depending on your personal rating the interest rating and payments may change.
Note: we have chosen the midpoint of each credit range in the marketplace to give you an indication of the interest rate charged. Depending on your personal rating the interest rating and payments may change.
Note: we have chosen the midpoint of each credit range in the marketplace to give you an indication of the interest rate charged. Depending on your personal rating the interest rating and payments may change.
Ready to take control of your debt?
We'll match you with one of our trusted lending partners based on your Millie credit rating. Once your loan is approved, we'll send you a $50 gift card as a little cheer for your progress.
Referral Fee Disclosure Statement: Millie will receive an upfront fee, commission or other benefit in connection with the introduction of a loan from the lender for any successful loan application. This amount is paid direct by the lender to Millie and is not an additional amount payable by you. If you decide to apply for a loan with a lender we refer you to, you will be dealing directly with that lender and not with Millie.
Referral Fee Disclosure Statement: Millie will receive an upfront fee, commission or other benefit in connection with the introduction of a loan from the lender for any successful loan application. This amount is paid direct by the lender to Millie and is not an additional amount payable by you. If you decide to apply for a loan with a lender we refer you to, you will be dealing directly with that lender and not with Millie.
"We're on a mission to elevate financial understanding, promote economic independence, and build a foundation for long-term financial well-being - helping to reverse the trend of declining financial literacy rates.”
— Pat Dalton, Cofounder of Millie
Action beats hesitation every time - and your journey to financial freedom starts now.
Download the budgeting tool, take control of your money, and start building the life you’ve always wanted!
Download the budgeting tool
"We're on a mission to elevate financial understanding, promote economic independence, and build a foundation for long-term financial well-being - helping to reverse the trend of declining financial literacy rates.”
— Pat Dalton, Cofounder of Millie
Action beats hesitation every time - and your journey to financial freedom starts now. Download the budgeting tool, take control of your money, and start building the life you’ve always wanted!
Download the budgeting tool
"We're on a mission to elevate financial understanding, promote economic independence, and build a foundation for long-term financial well-being - helping to reverse the trend of declining financial literacy rates.”
— Pat Dalton, Cofounder of Millie
Action beats hesitation every time - and your journey to financial freedom starts now.
Download the budgeting tool, take control of your money, and start building the life you’ve always wanted!
Download the budgeting tool
Join the Founder's Club.
Be one of the select few women building finance fearless futures.
Join Millie and get:
1 year of Premium on us.
Expert-led webinars and workshops.
Member-only discounts with partner brands.
Access to a private community of women on the same path.
Simply give your feedback to join.
Join the Founder's Club.
Be one of the select few women building finance fearless futures.
Join Millie and get:
1 year of Premium on us.
Expert-led webinars and workshops.
Member-only discounts with partner brands.
Access to a private community of women on the same path.
Simply give your feedback to join.
Join the Founder's Club.
Be one of the select few women building finance fearless futures.
Join Millie and get:
1 year of Premium on us.
Expert-led webinars and workshops.
Member-only discounts with partner brands.
Access to a private community of women on the same path.
Simply give your feedback to join.
Finance fearless, Thriving and Proud.
Financial clarity, built around real life.
© 2026 Millie. All rights reserved.
Millie Finance Pty Ltd (ABN 71 679 493 808) is an Authorised Representative (No. 001322367) of iGoDirect Group Pty Ltd (ABN 17 110 897 320) AFSL No. 551294 and in this capacity provides general financial product advice in respect of non-cash payment products, to retail and wholesale clients. This website contains general information/advice only. We have not taken into consideration any of your objectives, financial situation or needs or any information we hold about you when providing this general information/advice. Further, this website does not contain, and should not be read as containing, any recommendations to you in relation to a financial product. Before taking any action, you should consider whether the general information/advice contained in this website is appropriate to you having regard to your circumstances and needs and seek appropriate professional advice if you think you need it. Everyone’s situation is different, and we haven’t considered your financial situation. You can contact us at hello@getmillie.ai
Finance fearless, Thriving and Proud.
Financial clarity, built around real life.
© 2026 Millie. All rights reserved.
Millie Finance Pty Ltd (ABN 71 679 493 808) is an Authorised Representative (No. 001322367) of iGoDirect Group Pty Ltd (ABN 17 110 897 320) AFSL No. 551294 and in this capacity provides general financial product advice in respect of non-cash payment products, to retail and wholesale clients. This website contains general information/advice only. We have not taken into consideration any of your objectives, financial situation or needs or any information we hold about you when providing this general information/advice. Further, this website does not contain, and should not be read as containing, any recommendations to you in relation to a financial product. Before taking any action, you should consider whether the general information/advice contained in this website is appropriate to you having regard to your circumstances and needs and seek appropriate professional advice if you think you need it. Everyone’s situation is different, and we haven’t considered your financial situation. You can contact us at hello@getmillie.ai
Finance fearless, Thriving and Proud.
Financial clarity, built around real life.
© 2026 Millie. All rights reserved.
Millie Finance Pty Ltd (ABN 71 679 493 808) is an Authorised Representative (No. 001322367) of iGoDirect Group Pty Ltd (ABN 17 110 897 320) AFSL No. 551294 and in this capacity provides general financial product advice in respect of non-cash payment products, to retail and wholesale clients. This website contains general information/advice only. We have not taken into consideration any of your objectives, financial situation or needs or any information we hold about you when providing this general information/advice. Further, this website does not contain, and should not be read as containing, any recommendations to you in relation to a financial product. Before taking any action, you should consider whether the general information/advice contained in this website is appropriate to you having regard to your circumstances and needs and seek appropriate professional advice if you think you need it. Everyone’s situation is different, and we haven’t considered your financial situation. You can contact us at hello@getmillie.ai