Simplify Your Debts, Amplify Your Savings

Experience the FINTOS Advantage in Debt Consolidation

What Is Debt Consolidation For?

Simplified Payments

One payment means less hassle. You won't have to worry about missing due dates or juggling multiple payments.

Lower Interest Rates

By consolidating your debts, you can often secure a lower overall interest rate, saving you money in the long run.

Improved Credit Score

Making consistent, on-time payments on your consolidated loan can positively impact your credit score over time.

Financial Freedom

With a structured repayment plan and lower interest rates, you'll be on your way to becoming debt-free.

How Does Debt Consolidation Work?


Initial Consultation

Schedule a free consultation with one of our certified financial advisors to discuss your financial situation and explore whether debt consolidation is the right option for you.


Financial Assessment

Our team will conduct a thorough review of your financial standing, including your income, expenses, and existing debts, to determine the best consolidation strategy tailored to your needs.


Loan Matching

We identify the best loan options for your debt consolidation, ensuring you get the most favorable interest rates and terms.



We present you with a detailed debt consolidation proposal, outlining the new interest rate, monthly payment, and repayment tenure. Once you approve, we proceed with the loan application.


Negotiation with Creditors

Our team negotiates with your existing creditors to settle your debts, leveraging the new loan. This often results in lower overall interest rates.


Loan Disbursement

Upon approval, the loan amount is disbursed to pay off your existing debts. You are now left with a single, consolidated loan.


Simplified Repayments

You start making monthly payments based on the new loan terms. Our team continues to offer support and guidance to ensure you stay on track.


Financial Coaching

As part of our comprehensive service, you have the option for ongoing 1-on-1 sessions with our financial advisors to help you manage your finances better and ensure long-term financial health.


Debt-Free Future

With consistent payments and financial discipline, you'll be on your way to a debt-free future, improved credit score, and better financial stability.

Why Choose FINTOS Debt Consolidation?

Cut the Hassle

Consolidate up to 5 unsecured loans into one easy-to-manage account. Unlike banks, we tailor the consolidation plan to your specific needs.

Lower Monthly Payments

We negotiate on your behalf to secure lower interest rates, reducing your monthly financial burden.

Flexible Repayment Tenures

Choose from a range of repayment tenures that suit your financial commitments, giving you the freedom that most banks won't offer.

Expert Financial Guidance

Our certified financial advisors are available for 1-on-1 sessions to guide you through the debt consolidation process, ensuring you make informed decisions

Do you need more information?

Debt consolidation involves combining multiple unsecured debts into a single payment with a lower interest rate. This simplifies your financial management and can save you money in the long run.

You can consolidate up to 5 unsecured loans such as credit card balances, personal loans, and car loans into one easy-to-manage account.

While banks offer similar services, FINTOS provides a personalized, transparent, and flexible approach. We tailor the consolidation plan to your specific needs, negotiate lower interest rates on your behalf, and offer flexible repayment tenures.

Consolidating your debts can have a positive impact on your credit score over time, as it simplifies your payment process and can lead to a history of on-time payments.

Our interest rates are competitive and are negotiated on your behalf to ensure you get the best possible deal, reducing your monthly financial burden. Our rates are fully regulated and compliant.

The process timeline can vary depending on the complexity of your debts and the institutions involved. However, our team aims to make the process as quick and seamless as possible.

We are transparent about any fees involved in the debt consolidation process. All charges will be discussed upfront, so there are no hidden costs.

Yes, our certified financial advisors are available for 1-on-1 sessions to guide you through the debt consolidation process, ensuring you make informed decisions.

Our Happy Customers

Start Your Debt-Free Journey Today

Take the first step towards financial freedom. Click below to get a personalized debt consolidation plan.

Copyright © 2023 Designed by Nought labs. All rights reserved.

Reduce Your Interest Rates and Monthly Payments Today

Get your property valued today, drop us your contact information and we will call you within 24 hours: