Will this affect my credit score?

No. This is a soft check only. Your credit score is not impacted until you formally apply.

Can I consolidate different types of debt?

Yes. Credit cards, personal loans, car loans, and other debts can often be combined into one repayment.

Will I get spam calls?

No. One specialist debt broker will contact you. We do not sell your details to multiple parties.

30 people checking rates right now

Debt Consolidation

Find out if I can reduce my repayments into one

Australians with multiple debts overpay an average of $347/month in combined interest. Check if consolidation could help.

Takes 2 minutes · 100% free · No credit impact

256-bit encryptedNo credit score impactOne broker, not many

“I had 4 different debts totalling $62,000. My broker consolidated them into one loan at a lower rate. I save $410 a month now.”

Liam T., Melbourne

Saved $410/mo

Are you overpaying $347/month?

Most Australians do not compare often enough. A free 2-minute check could reveal savings of $4,164/year or more.

How it works

Answer a few questions

Takes about 2 minutes. No credit score impact.

We find your match

SmartCheck analyses your profile and matches you with a relevant broker.

Your broker calls you

A licensed broker reviews your options and helps you move forward.

Common questions

Rated excellent

Based on verified customer reviews

So much easier than I expected

I filled in a few details and had a broker call me within the hour. They explained everything clearly and I felt confident moving forward.

Emma R., February 2026

Finally understood my options

The broker matched to me actually took the time to walk through what I qualified for. Way better than just comparing rates on a table.

Liam T., January 2026

Quick, clear, and no pressure

Took about two minutes to complete. No credit score impact and the follow-up was genuinely helpful, not pushy at all.

Sarah K., March 2026

Australians who compare with OptiCheck save an average of $4,164/year

By matching you with a broker who compares offers from 85+ lenders, we help you find rates and structures that comparison tables miss.

Free to useNo obligationTakes 2 minutes

100+

Verified brokers

Licensed professionals across Australia

45,000+

Loans approved

Through our broker network

10+

Years in operation

Helping Australians find better deals

Compare offers from 85+ Australian lenders

Our broker network has access to major banks, credit unions, and specialist lenders across Australia.

Including Commonwealth Bank, Westpac, ANZ, NAB, Macquarie, ING, and many more

Ready to check your options?

Scroll back up to start your free check. It takes about two minutes and has no impact on your credit score.