Debt Help with Just Budget

Making Debt-Free a Reality!

Just Budget has helped thousands of Aussies to reduce their debt repayments and become debt-free. Now it’s your turn.

$1,878

Avg. Monthly Saving

71%

Avg. Payment Reduction

Excellent

Customer Reviews

How could Just Budget help you?

Reduce Debt

Benefit from
Life-changing Debt Solutions

Get debt help if you struggle to afford your repayments.

Budget Support

Get help &
Start to Budget Better

Receive expert support and start to optimise your finances.

Loan Assistance

Learn about
Your Loan Options

Better understand your present & future loan options.

You'll be on a clear pathway to becoming debt-free!

Receive debt help if...

Your pockets are empty each week

You feel overwhelmed with money worries

You struggle to make your minimum debt repayments

Your creditors are harassing you

Your credit cards and other loans are out of control

You have a bad credit history

Benefit From...

Combined & Reduced Debts

Just Budget could combine and reduce all of your debts into one affordable payment.

Frozen Interest Rates

Interest rates can be frozen, saving you money by the end of your new plan.

Better Money Management

With our expert tools and guidance, you can avoid falling into similar traps in the future.

Get protection from your creditors

Protection from creditors

We handle everything, including your creditors, so you shouldn't hear from them again.

Watch how the process works

With over 30 years of financial expertise, Just Budget has the tools for you to become debt-free. Find out how you could receive help with debt:

Our debt help results

We’ve supported thousands of Aussies to reduce their debt payments and start their debt-free journey.

Check out the results below that 10 randomly selected clients were able to achieve:

Avg debt payment reduction mobile & tablet
Results table body

The figures in this table are from genuine client outcomes. The selections were taken at random and are not intended to represent or guarantee that other clients will achieve the same or similar outcomes.  Each result is dependent on a range of factors.

The types of debt solutions we offer

Informal Debt Arrangement

This life-changing solution consolidates your debts into a manageable plan with reduced payments, designed to support you and protect you from your creditors moving forward.

Debt Management

Get access to our suite of debt management solutions, including debt relief, debt negotiation and more. Whatever your situation, we could have a solution for you.

Budget Planning

Creating a clear budget is the first step to becoming debt-free. With the help of an expert and our free budget planner, we can offer insights to help you manage your money better.

Credit Card Debt Support

If juggling multiple credit cards is making life tricky then our team provide credit card debt support to combine and reduce your payments and remove any confusion.

Personal Loan Management

A debt relief plan could combine your personal loans into one, lower your weekly repayments, and handle your creditors for you. Personal Loan Management takes stress out of your hands.

Business Loan Management

If you have multiple business loans with different repayment amounts, dates and interest rates then we can take the stress and pressure away by managing these for you.

Check out what our clients say

August 5, 2025

I spoke with Jacob and Casey and I have to say I am blown away from their customer service. If you see my reviews, you know I am an honest and sometimes brutally honest reviewer. I am genuinely impressed with how they have made me feel very comfortable in what feels like the toughest and most sensitive topic to discuss. I am very grateful and I already feel so much relief from my situation and like I can start to enjoy life again.

June 5, 2025

Keanue and Tom were straightforward but kind, non judgmental, empathetic and were transparent up front on what your fees were which are very reasonable. Not to mention professional and efficient and had me on a payment plan that day. Thank you Keanue and Tom – you are both amazing.

January 5, 2025

The team at Just Budget have been incredible. Kind, empathic and understanding. Their support has been vital to ensure I was able to take the next steps in my financial journey without fear. I cannot thank them enough!

January 1, 1970

The team at just budget have been absolutely amazing! 👏…a real credit to them😁 …

January 1, 1970

Keanue & tom are so good, service was immaculate made me feel comfortable with everything that was described, down to earth people and are always there to help when needed thanks guys 💪🏽. …

January 1, 1970

Pat was an amazing rep to assist and help me with all my enquiries. He went far and beyond of explaining and to make sure to not feel afraid of any outcomes. He definitely passed my expectations! Many thanks Pat!

January 1, 1970

My financial situation was in a bit of a mess…and I didn’t know how to handle it… After doing some research for help I found Just Budget was a good match for me and I was very happy with the results and communication wise… I would like to say thanks to the team for all their hard work and support… Finally I can see the light at the end of the tunnel..Take my word you won’t regret the outcome…Thanks Ina

January 1, 1970

Fantastic service,Pat customer service was absolutely wonderful,made me feel at ease,non judgemental and has really helped me out with my predicament .The whole process was extremely smooth.

January 1, 1970

Huge thank you to casey, love how non judgemental u are, you made me feel comfortable and made it easy to open up and share my struggles and be truthful about my hardships. Thank u and i appreciate your help

January 1, 1970

Just Budget is one of the better budgeting companies I have come across. They were super helpful from the beginning and allowed me to get on top of my debt straight away. I was fortunate enough to come into a large sum of money and the finalisation of the accounts and payout process was super simple.

One thing I would say is to read the terms and conditions as there was an early payout fee, after the initial plan set up fee, that I was initially not aware of (mainly due to me not reading terms and conditions when I signed up).

Other than that, which was my own fault, the service was amazing and they showed that they really care about helping people become debt free. Would definitely recommend to anyone struggling.

January 1, 1970

Keanu was incredibly easy to work with and demonstrated a high level of professionalism throughout our interaction. He responded to all of my questions promptly, which made the entire process smooth and hassle-free. His clear communication and attention to detail have given me a great sense of confidence, particularly in knowing that my financial situation will be much less stressful moving forward. I truly appreciate his support and expertise.

November 3, 2025

Great guy, very easy and helpful to navigate through all the steps 👍

July 3, 2025

All i can say is that these guys are amazing. They have lifted a huge weight off my shoulders. With just 2 phonecalls and within 1 week my debt repayments were consolidated to 1 repayment thats affordable. Cant thank you guys enough!! Huge thanks to Pat and Casey!!

January 1, 1970

Great communication, easy process and really reduced my stress. Highly recommend

January 1, 1970

Keanue was very helpful, there was no judgement at all. Super appreciative of his guidance and support. Thank you!

January 1, 1970

Lauren was fantastic
I was stressed about my situation
Just budget guide me through my situation
Ill recommend Just budget if you are in
Financial support
Thanks to
Chloe @ Lauren

January 1, 1970

I spoke with Pat who was very knowledgeable and explained everything in an easy to understand manner.

January 1, 1970

Pat is Very professional and was a great help making the process very stress free and gave me hope to finally get out of debt
Pat made me feel comfortable and less embarrassed about my situation.
I definitely feel very supported by pat and everything was explained really well about the process and questions that I had.

I would highly Recommend this company to everyone looking at Consolidating there debts this company has also help other family members of mine get out of debt .

August 1, 2025

Keanue was an absolute lifesaver during my process! As a young adult, I was nervous about being judged for my financial situation, but Keanue was completely understanding and never made me feel anything but supported. He was professional, approachable, and took the time to explain everything clearly. I truly appreciate his judgment-free approach and genuine willingness to help. I couldn’t recommend him more!

July 1, 2025

I’ll like to thank Chloe @ lauren
I was in a stressful situation with my finances
Spoke with chloe help me with my situation
Lauren my case manager fantastic
Chloe @ Lauren
Thankyou
I recommend just budget for financial support just give them a call

July 1, 2025

Keanue was amazing and very helpful on the phone. Explained everything thoroughly and made me feel at ease. Give these guys a call if you need assistance as they are amazing!

Chloe and Casey were amazing and have made me feel so much better.

January 1, 1970

Guys, a massive thanks to Chris Riotto, Dessa and the whole team at Just Budget for all your hard work and dedication helping me clear my creditors and negotiating the best outcomes for me and my family. Right from the start over two years ago you have kept me up to date with both strategy and progress while constantly negotiating the best outcome for me, now debt free, and looking forward to a clearer future. Again, team thank you. Kind Regards Jim.

January 1, 1970

Pat was very helpful, explained everything in a way that didnt make be feel stupid made the whole process a good experience.

January 1, 1970

Thank you to Just Budget for helping me consolidate my debt. I was able to pay off a number of loans in an adequate timeframe. The customer service was always friendly and helpful and big thanks to Scotty who was amazing

January 1, 1970

Absolutely amazing service very quick response and very helpful definitely recommend just budget services

January 1, 1970

Highly recommended.

January 1, 1970

Keanue was easy to talk too, listened to everything I had to say, was empathy and sympathetic to my issues and never judged.
Started the process and told me everything that was happening along the way, answered all my questions and queries and followed up when he said he was going too.
Absolutely brilliant and thankful for his effort.
With people like him in the company it was a pleasure to talk to them and easy to talk about the issues.

January 1, 1970

Staffs are amazing, very polite and helpful, they explained every details clearly to make sure I understand everything, its amazing, such lovely staffs. My heart is full and is very greatful for the help I recieved from the Just Budget staffs.

January 1, 1970

Speaking with Tim has been great.. So helpful & understanding. thank you

January 1, 1970

Very helpful.

January 1, 1970

I would like to thank you all for help me out of my debt and been helpful and understanding of my situation.

January 1, 1970

Yr company saved my stressful and relieved my anxiety for what I have been experiencing ever since my previous job went bankrupt I lost everything and this is why I’m struggling to keep myself alive

December 11, 2024

Keanue is an awesome guy great outcome

January 1, 1970

He was respectful and helpful. Listened to what I had to say and explained everything to me in a way no one else has. Broke every step down so I knew what he was doing which gained my respect and assured me that I was in good hands.

January 1, 1970

Lauren was a great help and has reduced my payments by more than I expected

January 1, 1970

I had a very pleasant experience with Lauren. She was very helpful and the made the whole process easy to understand. These guys are pros and very understanding to your circumstances. I would definitely recommend using this service. 👌 …

January 1, 1970

Amazing customer service! Helped me get debt free and I couldn’t be happier or more grateful
Thank you to my case manager Tom, all the helpers along the way and the team!

January 1, 1970

Just budget, dragged me out of a hole, I still struggled but the team there were more than helpful, sometimes with a stick, but it helped me prioritise.
Thank you very much all team involved.

January 1, 1970

Pat is Very professional and was a great help making the process very stress free and so quick!

I highly Recommend this company to everyone looking at Consolidating.

Was such an easy process and I was able to complete my agreement earlier than expected. Thanks heaps for your help!

January 1, 1970

Casey has been amazing in helping me find a solution to manage my repayments. She made everything feel straightforward and really eased the pressure I was feeling.

If you need someone who’s reliable and dedicated to helping you improve your financial situation, I highly recommend her.

January 1, 1970

Keanue’s service was outstanding. So easy to work with and provided so much detail of how the team could assist me. He clearly explained the steps ahead and successfully had me connected with the department to finalise my budget planning within a few short business days. (Personally believe he deserves a raise or promotion 😂)

January 1, 1970

Casey understood my financial situation and found the best manageable solution for me. She clearly explained a debt payment solution that works best for me. Highly recommended

January 1, 1970

Just budget was fast and efficient with their service. Thank you especially to Casey who listened wholeheartedly to my questions and concerns. I never once felt like i was being judged for the situation i got myself stuck in. Would 100% recommend

January 1, 1970

I cannot express enough how thankful I am for Casey’s exceptional support and kindness from the very start. Navigating through such a stressful situation can feel isolating and daunting, but Casey’s presence made all the difference.

From the moment we began our interaction, she displayed a genuine willingness to listen and understand my concerns. It was refreshing to encounter someone who not only offered assistance but also took the time to really connect and empathise with what I was going through.

Her patience and attentiveness provided me with a sense of reassurance that made the process much more manageable. Knowing that I had someone like Casey in my corner, who truly wanted to help in any way possible, was incredibly uplifting.

I am deeply appreciative of her efforts and the positive impact she had on my experience. Thank you so much, Casey, for being such a remarkable support during a challenging time! Your kindness will not be forgotten.

January 1, 1970

Lauren was so transparent and reassuring. Shes offered a solution where I was struggling to keep up with my debts. Grateful for her kindness, empathy and understanding! Would highly recommend to others needing help!

January 1, 1970

my experience with keanue was absoluty wonderful, speaking to him just took away all my stress and worries away knowing there are good people out there to give a helping hand , he was fantastic we need more people like him in the world, i cant thank you enough keanue thanx again ross……

January 1, 1970

Great help recommended to mey friends

December 9, 2024

Keanue was so amazing at explaining everything I needed to which made me feel at ease as I was really sceptical about the whole thing thank you again Keanue for putting up with all the questions
Matt

May 9, 2024

Keanue was so lovely, very easy to talk to and very understanding and not judgemental at all. He deserves a pay rise!

January 1, 1970

Keanue was an absolute pleasure to deal with! He was friendly, professional and efficient with handling my enquiry – leaving no pages unturned or sparring any details. Even with the initial phone call, a massive relief was lifted off my shoulders

December 8, 2024

Keanue from just budget was great and professional thank you for explaining everything clear to me I will recommend to others 😊

January 1, 1970

Just budget has helped me out a lot with my debt and managing my loan I really appreciate all that they’ve done for me and their quick responses when I emailed them about things. Thank you again

January 1, 1970

Keanue was very supportive and patient with my application… now I am able to get on top of my finances with breathing room !

January 1, 1970

Keanue Showed he was Knowledgeable, helpful and understanding , highly recommended

September 7, 2024

Keanue from Just Budget was so lovely to deal with he was brilliant so friendly , understanding and down to earth . Would definitely recommend him ! Thank you so much for helping me

May 7, 2024

Keanue was amazing. Highly recommend speaking with him if ever needed. Friendly and professional

April 7, 2024

Keanue did a great job very far very good at explaining what’s going on

April 7, 2024

Keanue was absolutely amazing. His non judgmental ways made me feel so comfortable to talk to him. He put me straight at ease and would recommend keanue to everybody.

January 1, 1970

Keanue was incredibly friendly, understanding, honest and helpful. Made the experience very smooth.

January 1, 1970

Lauren was so lovely she was my case manager and she was outstanding it was a long phone call.. she was very patient and answered all my questions and outline every details from start to finish Im very happy with the end results

Thank you Lauren for your excellent customer service highly recommend to anyone that needs help I thought I couldnt get out of this hole but now the stress and anxiety thats been weighing me down has been lifted dramatically.. 10/10

January 1, 1970

So easy to deal and put my mind at ease about doing this

January 1, 1970

One of the best and most helpful services. I was with them for two years and answered all the questions I had. when I wanted to settle my debts early, Just Budget was helpful.

Highly recommended.

March 6, 2024

Very helpful and organised. Explanation was clear and thorough

January 1, 1970

was kind and caring and concerning. Made it feel really easy top open up about financial difficulties and situations in my current life. Made it comfortable to want to proceed

January 1, 1970

The gentleman did not judge my circumstances and put me at ease I am pretty overwhelmed at the help offered

January 1, 1970

The customer service I received from Chloe, was absolutely amazing. I am very happy with my experience from them.

January 1, 1970

Absolutely great service and would 100% recommend if in doubt give them a message. Life savers 🙂

January 1, 1970

Worse financial company. They claim to be financial planners as you need to have a qualification in order to look after debt negotiations or debt management. The person i was allocated (Shannon), was very unprofessional, and has not looked after my case properly. The worse thing of all, Ive been with them now for 6 months and still have not even received an account statement, as they claim they have not fixed their software integrations. Not sure how this company is 5 star service, i think these reviews are fake. As they dont manage things properly.

January 1, 1970

Scotty – Above & beyond all the way, great listener from the start just jumped in & took control. A Huge help, big thumbs up for her exceptional customer service. Well done Scotty 😊 …

January 1, 1970

Chloe was very understanding, polite and very helpful in addressing any questions that I had. She was a pleasure to speak with and I would recommend anyone to receive help from Chloe.

January 1, 1970

Tom is amazing! Very professional, understanding and has greatly assisted me in this financial journey. It has been stress free the entire way! Nothing is too difficult for him, swift responses and just simply gets it done. I have been at ease and able to focus on life much more. I cant recommend Just Budget enough!!

January 1, 1970

Talked with Chloe today. The best. Ive got myself into a hole financially and she has worked with me for a solution to it.

Looking forward to working with The Just Budget team and not getting myself into trouble again 👍👍

January 1, 1970

Very helpful and professional, wish I had done this sooner.

January 1, 1970

Chloe was an absolute pleasure to deal with. She explained everything clearly and precise so I understood all options available.
Thanks Chloe

January 1, 1970

I have this pay day loan for almost 3 years now and I have no idea on how to pays due to circumstances was changed . Been separated and family loss overseas. When I found this company I had no choice but to try if they can help me build back my credit profile. I spoke to Chloe , which she has been very helpful on me. Because of her my application was been processed smoothly.
She shown empathy care and genuine.
Now I’m no longer so stressed I can be a better Mother & enjoy life more with my peace of mind finally given back to me.

Chloe youre an Angel because you are very helpful.
Thank you
Jeannie

January 1, 1970

From the beginning of the process with Sam, all I have to say is WOW!!! Sam is so understanding, supportive and just so nice to talk to and a great listener, felt so comfortable being able to talk Sam about my current situation.
Thank you so very much Sam you are AMAZING !!!!! 🤩. Would definitely recommend Sam 100% …

January 1, 1970

Chloe has been amazing with her help. Very professional and friendly. Such a relief and a weight lifted off. Thank you

January 1, 1970

Chloe is an absolute sweetheart and really goes out of her way to help. I highly recommend coming through to Just Budget if youre struggling, i already feel less stressed

January 1, 1970

Isabel was so helpful and understanding, couldnt ask for a better person to help me with my situations . Thanks Isabel for making me feel like I can life again.

January 1, 1970

Chloe very helpful and understanding and achieved the best result for my situation. I really appreciate the time and effort and her professionalism.

January 1, 1970

Chloe is Amazing and has been very Helpful along with being Very Professional. Thank You Very Much Chloe 😊 Kabir was Very Professional also and has helped make life easier with Just Budget, Thank You Team, Most Amazing, Professional Team 🙂😊 …

January 1, 1970

It was an absolute pleasure working with Chloe she explained everything perfectly and made the whole process very comfortable

January 1, 1970

Chloe, was absolutely amazing and completely understanding with what I have going on. And made chatting to her so much easier so thank you so much.

January 1, 1970

Thanks Chloe for your product knowledge, your fantastic customer service skills, for listening, for caring and for returning my call and genuinely wanting to assist.
Fantastic company and I totally recommend.
Rennie

January 1, 1970

Isabel Fernandez was an absolute charm to chat to, would definitely recommend anyone who is struggling financially get on to this team as soon as possible!

January 1, 1970

Chloe … Thankyou for your support and understanding.
To have a company that understands the many different kinds of hardship that many people are going through, and for the wonderful people that work there just like Chloe, to assist people like myself.
To be so supportive and understanding… Life Changing Angels🙏 Chloe Thankyou so much,
You truly are like Living Guardian Angel xx Words can’t describe the gratitude I feel Thankyou

January 1, 1970

Have had a great experience with Sam from My Budget! He was very informative, understanding and non-judgemental of my situation. He was polite and answered all questions in a way to make everything easily understood! Would highly recommend!

January 1, 1970

Chloe was a pleasure to deal with and very empathetic to my situation. Highly recommend!!

January 1, 1970

Isabel was the most understanding, kind, empathetic and professional person I could ever speak to regarding financial issues. She has changed my life. The weight lifted from my shoulders is indescribable. Cannot thank this beautiful soul enough 🙏❤️
I feel so lucky to have such support at such a trying time. 5 stars doesn’t do her justice. Isabel you are an angel and I thank you from the bottom of my heart. 😘

January 1, 1970

Chloe was so kind and caring through this situation and im glad i got to deal with her! thank you so much an absolute asset to this company!

January 1, 1970

Sam’s approach was very professional yet sympathetic and non-judgmental every step of the process. He was able to put me at ease during a very difficult situation and explained to me in great detail how the process worked and what to expect

January 1, 1970

I spoke with Sam about the current loan situation i am in and i couldn’t suggest anyone else to help out. He was extremely professional and seemed that he really loved doing his job and helping people. I recommend Sam too anyone that is looking for some help. Thanks heaps mate! 🙏 …

January 1, 1970

Chole was brilliant and so helpful. She understood my situation and explained things in simply terms. I could not recommend her enough. She needs a pay rise She goes above and beyond to help.

January 1, 1970

Pat was a delight to deal. He was easy to communicate with and punctual in responding. He was very knowledgeable and vey polite.

January 1, 1970

We are so grateful for Just Budget, we were always stressed about our accounts being negative on any given day just not knowing when a debt would come out and now theyre just so much more manageable.

Kabir is the person who managed all of our creditors and worked a deal that was beneficial for us.

Just Budget are real people who really care and while I would love to never fall into this financial hole again, if I ever did I would definitely be giving Just Budget a call.

Can not recommend them enough.

January 1, 1970

Super kind and helpful , made me feel really comfortable

January 1, 1970

Kabir was really helpful and easy to chat to. Would recommend.

January 1, 1970

Kabir has been fantastic throughout the whole process. Communicating with me along the way, making sure I understood everything and letting me what was happening. I tried a few options before contacting Just Budget with no solution, after one call, I was given all the help and advice and am on my way to becoming debt free, while still having enough left over for day to day expenses so I am no longer struggling every week and deciding on which bills to pay. Thank you so much, would highly recommend Kabir to anyone.

January 1, 1970

Chloe was extremely helpful and understanding – everything explained clearly

January 1, 1970

Chloe was very helpful. Had positive answers for everything and gave great advice.

January 1, 1970

The experience so far has been great. I feel like there has been no judgement and a willingness to help me get out of my debt cycle. I feel heard and understood.

January 1, 1970

Chloe was so lovely to speak to and the whole process was easy and non stressful 😊 …

January 1, 1970

Chloe was very helpful. Her knowledge and understanding was very helpful in how she could help.

January 1, 1970

Chloe was amazing, she was so helpful and gave me a solution to my debt problem

January 1, 1970

Wonderful service from Chloe very friendly and helpful, appreciate her help and explaining everything throughly will recommend her service and Just Budget to everything in debt

January 1, 1970

Pat was extremely helpful and understanding, 10/10 would 100% recommend

January 1, 1970

Chloe put me at ease from the first minute I started talking with her about my situation.

Chloe thank you for your help today.

January 1, 1970

From the beginning of the process with Sam then Isabel and my new case manager kabir all smooth sailing thanks team

January 1, 1970

Sam was super helpful and relatable. Definitely a gold star sticker for his work.

January 1, 1970

Chloe was easy to deal with, very thorough and helpful

January 1, 1970

Chloe was amazing. So understanding and helpful.

January 1, 1970

Excellent service in providing a viable solution to my problems and Chloe my case manager is very helpful

January 1, 1970

Chloe was really helpful and explained everything in detail. Thankyou!

January 1, 1970

Chloe is Absolutely amazing highly recommend hwr

January 1, 1970

Chloe was a great communicator and amazing help

January 1, 1970

Chloe was a fantastic help and very considerate regarding the circumstances.

January 1, 1970

Pat was very helpful. Made me feel like I could breathe again and get some help that I need with my financial debts. Was very smooth to talk to and made my day. Definitely worth more then a 5 star.

January 1, 1970

Chloe was professional, friendly, clear and concise. She made the process easy and also made me laugh.

Sensational phone manner and I would recommend her to everyone I could.

Promote this one!

January 1, 1970

My contact person Chloe Williams was nothing but fantastic and helpful. She answered my questions thoroughly and listened to what I was saying I am very I pressed with her dea,I g with my situation a d wish there was more people .Iike her . Im thankful for the assistance and help she provided to me.

January 1, 1970

Casey was so understanding and helpful. She has made me feel a lot more in control of my situation and a lot less stressed.

January 1, 1970

No words of gratitude can express enough how grateful i am for the help being extended to me when i needed it the most. Special thanks to you Chloe for your help. Excellent customer service. Chloe is exceptional, very professional and non judgmental and for this, i would definitely recommend this company to all my friends and to anyone.

January 1, 1970

Chloe was so helpful and understanding, couldnt ask for better service, she made me feel like I wasnt alone, she definitely deserves more than 5 stars. Thanks Chloe for making me feel like I could breathe again

January 1, 1970

Very helpful and lovely

January 1, 1970

Keanue was very helpful. Making sure I didn’t leave out other pending debts. He fully understood my circumstances and responded as a sympathetic person. Which I really appreciated

January 1, 1970

Keanue was very helpful and made me feel very comfortable. Friendly and made sure to be transparent in every step of the process. Very pleasant experience

January 1, 1970

The customer service rep was understanding, thorough and demonstrated he had the knowledge. Was very professional and very polite.

January 1, 1970

The over-the-phone service provided by Keanu was exceptional due to several key factors. Firstly, the representatives were highly knowledgeable and adept at addressing my inquiries promptly and accurately. Secondly, their friendly and courteous demeanor made the interaction feel personalized and welcoming. Additionally, the efficiency of the service, with minimal wait times and quick resolution of issues, contributed to a positive experience. Overall, the combination of expertise, warmth, and efficiency made my experience with keanu over-the-phone service truly outstanding.

April 4, 2024

Keanue was great to speak to, very clear with what the process is and showed compassion and understanding,

March 4, 2024

Keanue was a GEM and a half and I would recommend him to everyone. Was very straight forward and didn’t hide anything. Answered every single question I had and making sure we were on same page the whole time

January 1, 1970

Really helpful and no judgement what so ever. I hate speaking over the phone, especially to consultants but Keanue really made me feel comfortable talking about my debts and was really good at explaining the process of it all. Feels like a weight lifted off my shoulders.

January 1, 1970

Very easygoing, which made me feel comfortable. Was patient and very thorough with the whole process so that it was easy for me to understand. Demonstrated compassion in ways that didn’t make me feel belittled, overall a good experience!

January 1, 1970

Isabel has been exceptional to deal with.
I have not had a single concern dealing with Isabel, along with receiving great communication and updates throughout the process.

I will be recommending just budget to friends and family.

Thanks you!
Blayke

January 1, 1970

Isabel was so kind and understanding. She made me feel comfortable and less embarrassed about my situation. I definitely feel very supported by her and everything was explained really well about the process and questions that I had.

February 8, 2023

I have been dealing with KABIR he is FANTASTIC!!! Supportive, understanding and listens to my concerns without any type of judging. Would definitely 💯 recommend Kabir 😊 thank you so much !!! No longer feel stressed and am much happier. Great 👍 job . From Val Clark

January 1, 1970

Chloe was such a pleasure to talk to
She was super friendly and very helpful

January 1, 1970

Chloe was amazing and helped me a lot! She explained everything very clearly and made sure I understood everything. She assured me I am not the only one struggling at the moment which made me feel better about the situation I was in. I would100% recommend Chloe to anyone needing help with their financial situation. Thanks again Chloe!

January 1, 1970

Chloe has been absolutely amazing. She has been able to offer me a resolution to my debt which has lifted a weight of my shoulders. She was very understanding and non judgemental and made me feel at ease.

January 1, 1970

Chloe has been amazing!! She went through some options with me to help find a manageable solution. She was so friendly and helpful. Cannot recommend Chloe Highly enough!! She is wonderful!! I would also like to make a shout out to Shannon! He has been such a great help!!! I cannot thank you enough Shannon.

January 1, 1970

Isabel was an absolute pleasure to deal with. She really puts the effort in to help you. She has helped me in such a big way and has changed my life. She is such a beautiful person and I very much enjoyed my experience dealing with her. Would highly recommended.

January 1, 1970

Thankyou Chloe 🙏🏽 honestly my stress eased as soon as we started to speak. You’re friendly and non judgmental! I really am feeling relieved I made that application today, and you was prompt with my application! …

January 1, 1970

Isabel is absolutely amazing, kind, understanding and has been extremely helpful!! I am so grateful to have spoken to her yesterday! I am thankful for her assistance in helping me become debt free in which I believed would not be possible. She has given me so much relief in so much ways! I highly recommend this company and Isabel herself!! very happy!

January 1, 1970

Chloe was very easy to deal with. She explained everything clearly and covered everything I needed to knoe
Extremely friendly and was happy to chat but did not waste any time.

January 1, 1970

After being denied from other banks and companies, I was extremely happy to receive an email from Isabel wanting to help me. After stressing all weekend and finally being able to speak over the phone to sort it out and get a plan, I am relieved I have something in place now. Will recommend Just Budget to others struggling and wanting to get out of debt.

January 1, 1970

Isabel was amazing she has made me feel so relaxed and a weight has been taken off my shoulders she’s amazing !!!

January 1, 1970

Scotty was very helpful on the phone, she was very understanding and knew what she was doing. If I could give a 10 out of 10 she deserves it!! Scotty definitely put my mind at ease, I know feel a weight lifted off my shoulders.

January 1, 1970

Chloe was very understanding and very helpful with addressing any questions I had. Non judgemental, extremely helpful and easy to talk to would recommend to family and friends

January 1, 1970

Amazing, Chloe helped me out alot and gave me the best options for the trouble I was in. Made everything easy to understand and took a weight off my shoulders.

January 1, 1970

Chloe was amazing. Extremely helpful, knew exactly what she was talking about and gave me some hope. Highly recommend.

January 1, 1970

She was amazing! And has helped me out more than I can ask. Because of Chloe I will no longer be financially stressed

January 1, 1970

Amazing customer service with incredibly helpful and supportive customer assistance. Isabel helped through everything, explaining all the details and how it all works really clearly and catered the payment plan to be affordable and suit my payment schedule. Honestly the best financial help Ive had, Id highly recommend this service to anyone struggling with multiple debts.

January 1, 1970

Just a had lovely chat with a woman by the name of Isabel Fernandez, I wasnt sure if id be able to get any assistance with my enquiry but thanks to Isabels professional advice and fantastic service Im now much better off. Huge thanks to Isabel again.

January 1, 1970

Chloe was absolutely helpful within my circumstances and very lovely, super fast and was very happy with the support she was offering within my situation

January 1, 1970

Speaking with Isabel today was extremely helpful and she was fantastic at explaining everything to me, I finally feel like we will finally be able to put some savings away again once our finances are sorted. I am so grateful for the time she took to help me through everything and understood the difficulty we are having. Thank you so much Isabel.
Renae Farrell

January 1, 1970

Thank you to Chloe, she was very friendly and understanding of my situation and the best way to move forward, the process was quick and stressfree, I would highly recommend.

January 1, 1970

Highly recommend Isabel Fernandez she’s absolutely lovely and was super helpful and she very clearly takes pride in her job she’s helped so much to get me on the right track and I honestly couldn’t be more thankful and appreciative and grateful for this lovely humans help

January 1, 1970

Scotty and Chloe were really great to deal with. Scotty made the process very streamlined and easy to understand. Very happy with the service and will use again if I need to in the future! Outstanding customer service from both Chloe and Scotty..

January 1, 1970

Chloe was great in making sure that everything is covered. She is very thorough with getting information. Very friendly at the same time, professional.

January 1, 1970

Isabel is amazing! She is so polite and easy to talk to and was able to answer all my questions and help me to understand what was going to happen with this arrangement. She was professional, polite, friendly and above all extremely empathetic i couldnt have asked for a better consultant to help me with my road out of debt.

January 1, 1970

Chloe is amazing, as soon as I got off the phone I felt the biggest relief, so helpful. Would highly recommend dealing with chloe.

January 1, 1970

Sid and Isabel have been absolutely amazing and have helped me relax and get my life back on track! <3 love them

January 1, 1970

After times and times of trying to find someone to help consolidate my debt i found this company to be more than helpful! They helped me come up with a solution within an hour. The consultant I dealt with was extremely helpful and I am so grateful to find a company that is so understanding of my situation! 100000/10 would recommend!!!

January 1, 1970

Shannon has been absolutely fantastic with helping me! has gone beyond my expectations I am very glad to have him helping me get back on my feet. Much appreciation to him!

January 1, 1970

Was feeling so overwhelmed with all my mounting small debts. Even losing sleep over it. After just one day I’ve had all my debt consolidated so I now have. Only one manageable repayment to make each fortnight. A big thanks to Isabel for being so supportive during the process and taking the time to explain everything in depth. Much appreciated

January 1, 1970

I want to thank Isabel for her amazing help on the phone. She was an absolute delight and was so helpful in helping me get back on track. I cannot sing her praises enough, she’s so kind and understanding and I really recommend her!
I felt comfortable the entire time, whilst discussing hard issues and facts.
Thank you again Isabel you are amazing.

January 1, 1970

Would like to specifically thank Isabel with her exceptional customer service. She was supremely friendly over the phone ensuring I was comfortable throughout the entire phone conversation. You can hear how very genuine she was over the phone. Thank you Isabel

January 1, 1970

Isabel was absolutely amazing to talk to today! She was incredibly welcoming and understanding of my situation and went above and beyond to help me become debt-free. Her explanations were clear and easy to understand, and her customer service skills were impeccable. Im so grateful to have found her and her team. Thanks to them, once it is sorted I can start saving again and stress free.

January 1, 1970

Very professional and friendly chloe who helped me manage to get help and put my finances back in order very satisfied customer highly recommended 👌 …

January 1, 1970

Chloe from just budget was fantastic nothing was too hard she made sure everything was right and helped me out in a financial situation. Thanks Chloe

January 1, 1970

Chloe was a pleasure to deal with clear concise efficient and friendly

January 1, 1970

I have been working with Isabel and she has been so patient and kind through the whole process. Loving this fresh start

January 1, 1970

Chloe was Very understanding, easy to talk to and provided a viable solution that was in my best interest. definitely recommend.

January 1, 1970

Wow, what an easy experience. The stress that has been lifted has been life changing. The speed and friendliness of the whole team is refreshing. No judgements, only positive things to say about this business.

January 1, 1970

chloe was very friendly and made things easy to understand would definitely recommend

January 1, 1970

Chloe was excellent, very helpful and thorough. A pleasant experience. Thank you.

January 1, 1970

Scotty was so helpful throughout the whole process. Great customer service and she makes the whole experience enjoyable. Thanks Scotty 😊 …

January 1, 1970

udget contacted me, went through all my finances and offered help where they could.
They stopped all harassing emails, calls and messages to my creditors.
They spoke on my behalf and worked endlessly to come to a financial solution for my debts.
One easy payment per week and I have my life back.
Fast forward to many months later and I was having issues with a secured debt and just budget went out of their way to negotiate a loan that normally couldn’t be added to my consolidation and made it happen.
They did their magic and now I have absolutely no loans including a car loan and only one payment per week.
Dessa, Alex and the team at just budget have saved my life.
I would recommend this company to anyone needing help.
Thank you from the bottom of nmy

January 1, 1970

I had Chloe she was great to speak to had a laugh and a good chat would recommend great friendly service

January 1, 1970

Chloe was extremely helpful professional and easy to talk to and made the situation very easy
Thankyou

January 1, 1970

If you ever need help ask for kabir great guy and makes you feel very welcomed.
Thanks again

January 1, 1970

Easy to talk to and very helpful

January 1, 1970

What a great company to deal with Channon and Isobel where an absolute pleasure to deal with so helpful and friendly

January 1, 1970

Tom has been absolutely wonderful and the whole JB team has been absolutely incredible and made this process less daunting and scary. I think I’ll be debt free very soon because of these guys!

January 1, 1970

I found Chloe to be very friendly, helpful and extremely efficient,
Would recommend just budget for anyone to organise their finances

January 1, 1970

This company is a God sent. Not only do they relieve the stress of debt, they are wonderful to work with. Understanding, friendly and easy to talk to.
Highly recommended.

January 1, 1970

Isabel was amazing!! Very understanding and willing to help.

January 1, 1970

Fantastic service. Scotty is a consummate professional, respectful and thorough. Highly recommended

January 1, 1970

Lady was very helpful and polite, will definitely recommend if my plan actually works.

January 1, 1970

Great experience and service! Everything was explained very clearly and I recieved the hekp that i needed!

January 1, 1970

Chloe was an absolute legend!

January 1, 1970

CHLOE WAS GREAT TO TALK WITH HAD A LAUGH PUT ME AT EASE WITH THE WHOLE PROCESS MADE THINGS SO EASY AND EXPLAINED EVERTHING A PLEASURE TO TALK WITH THANKS CHLOE

January 1, 1970

Chloe was very helpful and knowledgeable

January 1, 1970

Chloe was amazing, very nice and understanding and the process of getting the help I needed was very prompt. Would 10/10 recommend her to my friends

January 1, 1970

Amazing customer service and quick to help in a horrible situation! Highly recommended for debt solutions

110% recommend Chloe! I submitted an application online last night and got a call back today.
Chloe is by far the best person Ive ever spoken to in this kind of situation. She was detailed and thorough making sure she had everything she needed to ensure we were looking at the right options and explaining everything in detail at the same time so I knew exactly what was going on. She was kind and funny and less than 5 minutes into the call I was already feeling 100% about my situation.

I havent even received a contract yet with the final offer and Im willing to give them 5 stars based on that service alone.

January 1, 1970

Isabel has been kind, understanding, encouraging and personable since our first interaction. She has helped me see that there is a light at the end of the tunnel, as someone who was very sure that there wasnt. Im very grateful to her for her time and her help. Thank you Isabel, truly.

January 1, 1970

Spoke with Chloe who listened to my financial status, and gave me 2 options of how I would be able to consolidate my debt into 1 monthly repayment, and reduce my fortnightly ongoing repayments of multiple small loans, that had accumulated and spiralled out of control. Finally I have my debt under control and able to live with some left over funding after each fortnightly pay. Chloe was very professional, polite and was a pleasure speaking to her from the first call. I would highly recommend Just Budget to anyone needing financial assistance in getting their debt under control. They listen to you and are upfront with everything you need to know on your first consultation with them. They are extremely efficient and speedy in processing your application and keep you up to date with the process. Thank you Chloe for your assistance once again and also to Kayla and Dessa who also assisted me, you guys are awesome! 11/10

January 1, 1970

Id been struggling to find someone to give me a fair go in fixing my finances and getting ahold of my debt. Thanks to Isabela Im now back in control and pay one fee without all the hidden fees. Would highly recommend even if you dont think youre in enough debt please give them a chance, make the call, take back your finances!

January 1, 1970

Scotty was beyond amazing

January 1, 1970

Excellent service from Scotty

January 1, 1970

Friendly and helpful customer service.

January 1, 1970

Prompt and professional
Got issues resolved in a timely manner

June 6, 2022

I had no idea what I was doing, worried id have to pay my debts separately which is why id been falling hard in debt. But she helped explained how they could support me was straightforward and well spoken very patient thankful for thw help .

January 1, 1970

I really felt comfortable explaining my situation! Felt at ease talking with Orianna, very professional and very welcoming!!
🙂

January 1, 1970

I spoke to Chloe. WOW, she is amazing. She was very friendly, understanding and clear on what was happening and what will follow. She made me feel at ease with something that is normally embarassing and hard to talk about. Everything that she said would happen, did happen and she didn’t hide anything. Chloe was an absolute pleasure to deal with.

January 1, 1970

Chloe was very helpful and professional. Willing to help when others didn’t want to help. I was very comfortable talking to Chloe and she never once judged me. She reassured that there is a way to get back on track, which was a relief. Thank you.

November 5, 2022

She was perfect fast friendly
She knew what she is doing

September 5, 2022

Chloe was so friendly. I actually felt comfortable discussing my finances with her and never felt like I was being judged at all.
She also made things clear to understand which helped tremendously.
Thanks for getting back to me so quickly. I’m now close to finalizing everythingy happy dance has begun

The discussion was smooth and to the point.

April 5, 2022

Chloe was non-judgemental and extremely helpful, coming up with a plan that will suit me and what I can afford.

March 5, 2022

It was great and informative. Chloe was very helpful and nice

January 1, 1970

Chloe was very helpful and explained everything in detail

January 1, 1970

Good communication and everything sorted quickly and efficiently

January 1, 1970

very helpful and was easy to deal with. thank you!

January 1, 1970

Chloe reassured me and calmed my anxiety gave me hope

November 4, 2022

Chloe was a Great help and very understanding

June 4, 2022

Chloe was fantastic she explained to me things to expect and did not pressure me into anything thanku

January 1, 1970

Chole was very understanding and also gave me great options loved talking to her

January 1, 1970

The person I spoke to was very helpful and good at explain what I had to do.

January 1, 1970

Chloe was very friendly and informative. The whole experience of being in debt is daunting but she was able to discuss my options and put my mind at ease by explaining everything. Customer service 5 star!

January 1, 1970

Thank you for the amazing help and support from cloe at Australian lending centre for debt consolidation. Experience was easy, fast and convenient, and would definitely recommend to others.

January 1, 1970

Helped me so much and just a lovely person !

January 1, 1970

Kayla was kind, understanding and knowledgeable. She went above and beyond to make me feel secure and not embarrassed to speak about my financial worries.

January 1, 1970

Easy process to follow, Chloe explained in full detail in a way to make everything easy to understand.

January 1, 1970

Absolutely wonderful!
Kayla was so kind made everything so comfortable to talk about.

Feeling very hopeful!

January 1, 1970

My experience was great and my questions were answered so that I understand everything very easily and the person was so nice and helpful

January 1, 1970

Chloe was very helpful and polite. Being in my situation, I find it very difficult, but having someone understanding was lovely. Thank you, Chloe.

January 1, 1970

I had applied for a loan to help consolidate my loans and had Scotty as the person to help me with my enquiry. 5/5 review as this person helped and explained everything thoroughly. Very nice and easy to talk to. Communication skills are on point. Would recommend this person to get a raise.

January 1, 1970

Scotty was very thorough in her explanation of my options and the assistance I was eligible for. Very helpful!

January 1, 1970

Great service from Scotty. Very helpful and caring of my situation. Thank you for making me feel comfortable in our conversation

January 1, 1970

Scotty is fantastic! She made me feel comfortable, she was super helpful and made a tough phone call I had been putting off for a long time, seemless and not so bad at all. If everyone in the world was like Scotty, the world would be a much better place! And she is super competent too!

October 3, 2022

Chloe was lovely and helpful. She made the process easy and non judgemental and listened to make sure she could help in anyway, thank you.

August 3, 2022

I spoke to Chloe about the services available, very clear communication and helpful options to choose between. I’m glad I contacted them online, found a solution better than I was looking for.

July 3, 2022

Chloe was extremely understanding and showed compassion for my situation.

Very happy with this service

February 3, 2022

Chloe was very helpful and very friendly. I was embarrassed to be having the conversation about my debt and she made it not so embarrassing.

January 3, 2022

Chloe was wonderful to speak with, very supportive and extremely helpful. I had a fantastic experience working with Chloe and would highly recommend her and the team. Thank you!

January 1, 1970

Chloe was really helpful and very good at what she does thanks for the help

January 1, 1970

Very understanding towards having things popping up unexpectedly

January 1, 1970

Very understanding towards having things popping up unexpectedly

January 1, 1970

Very understanding towards having things popping up unexpectedly

June 9, 2021

Very helpful and friendly. Great service

June 9, 2021

Very helpful and friendly. Great service

June 9, 2021

Very helpful and friendly. Great service

April 8, 2021

Absolutely wonderful, Kristina was polite and very informative. She was happy to answer any questions or concerns I had in a very professional yet fun way
Can’t thank you enough for helping me today

April 8, 2021

Absolutely wonderful, Kristina was polite and very informative. She was happy to answer any questions or concerns I had in a very professional yet fun way
Can’t thank you enough for helping me today

April 8, 2021

Absolutely wonderful, Kristina was polite and very informative. She was happy to answer any questions or concerns I had in a very professional yet fun way
Can’t thank you enough for helping me today

January 1, 1970

Chloe was so easy to talk to and really considered my needs and circumstances, she made me feel hopeful again reassured me and took away so much of my stress. Nothing was an effort and she was so genuine and made me feel important and heard. Chloe was so professional and really knew what she was doing. I felt like a person not just a new client but a valued person. Great job Chloe.

January 1, 1970

Chloe was so easy to talk to and really considered my needs and circumstances, she made me feel hopeful again reassured me and took away so much of my stress. Nothing was an effort and she was so genuine and made me feel important and heard. Chloe was so professional and really knew what she was doing. I felt like a person not just a new client but a valued person. Great job Chloe.

January 1, 1970

Chloe was so easy to talk to and really considered my needs and circumstances, she made me feel hopeful again reassured me and took away so much of my stress. Nothing was an effort and she was so genuine and made me feel important and heard. Chloe was so professional and really knew what she was doing. I felt like a person not just a new client but a valued person. Great job Chloe.

January 1, 1970

Very professional and friendly. Explained everything very clearly. Would not hesitate to recommend your company.

January 1, 1970

Very professional and friendly. Explained everything very clearly. Would not hesitate to recommend your company.

January 1, 1970

Very professional and friendly. Explained everything very clearly. Would not hesitate to recommend your company.

January 1, 1970

I don’t have enough words to describe how amazing how great Kristina is. She was the best person I’ve ever spoken to over the phone if she isn’t getting enough recognition for the work she is doing she should. I didn’t even want to do this to start with and I only am because she’s amazing at her job!

January 1, 1970

I don’t have enough words to describe how amazing how great Kristina is. She was the best person I’ve ever spoken to over the phone if she isn’t getting enough recognition for the work she is doing she should. I didn’t even want to do this to start with and I only am because she’s amazing at her job!

January 1, 1970

I don’t have enough words to describe how amazing how great Kristina is. She was the best person I’ve ever spoken to over the phone if she isn’t getting enough recognition for the work she is doing she should. I didn’t even want to do this to start with and I only am because she’s amazing at her job!

January 7, 2021

Chloe has been extremely helpful and understanding…making me feel there is a light at the end of the debt trap..

January 7, 2021

Chloe was incredibly helpful and thoroughly explained each part of the process. She put my concerns at ease and made me feel incredibly supported.

January 7, 2021

Chloe was incredibly helpful and thoroughly explained each part of the process. She put my concerns at ease and made me feel incredibly supported.

January 7, 2021

Chloe has been extremely helpful and understanding…making me feel there is a light at the end of the debt trap..

January 7, 2021

Chloe was incredibly helpful and thoroughly explained each part of the process. She put my concerns at ease and made me feel incredibly supported.

As Seen In...

We Provide Debt Help in 3 easy steps

An expert will go through your budget with you

1. An expert will go through your budget with you

This helps us understand what you can afford so you can get the best debt solution possible.

We'll negotiate a new plan with your creditors

2. We'll negotiate a new plan with your creditors

This will be on your terms, based on what you can afford. You will only pay us moving forward.

3. You'll be on a clear pathway to becoming debt-free!

With the new debt relief plan underway, you'll make easy, reduced payments to us until you're debt-free!

Common Questions

Your repayments will be based on what you can afford, ensuring they are manageable within your budget.

A debt relief plan works by negotiating with your creditors to reduce your repayments or settle your debt in a way that’s affordable for you. The goal is to create a manageable plan that helps you regain financial stability.

Once set up, this debt relief plan will remain active until you are debt-free (unless cancelled or dishonoured).

Creditors will have up to 21 days to pause your repayments, giving you breathing room as the plan is finalised.

You could receive help whether you have bad credit, have been denied assistance by banks or if you’ve recently faced financial hardship.

  • Instantly freeze or reduce interest rates to stop your debt from growing.
  • Lower your monthly repayments to make them more affordable.
  • Avoid bankruptcy and its long-term consequences.
  • Consolidate multiple debts into a single manageable payment.
  • Reduce or eliminate creditor harassment by having a plan in place.
  • Customised solutions tailored to your specific financial situation.
  • Opportunity to rebuild your credit over time with consistent repayments.
  • Regain control of your finances and reduce financial stress.
  • Flexible options that can adapt to changes in your circumstances.
  • Achieve a clear pathway to becoming debt-free.

Live Life Without Debt Stress

If you qualify, you’ll be paired with an expert who will be by your side every step of the way.

You could receive tailored debt help within 24 hours and start enjoying the benefits right away.

Get your debts under contol today