Would you like help to become debt free?



Combine unsecured debts of $5K or more into one!

Pay-In-One will get you back on track

Make life better – for a FREE debt assessment, apply today!


The smart way to combine, manage and repay your debts!

Pay-In-One has helped people just like you to:

Combine debts into one affordable repayment
Stop interest and penalty fees
Protect your credit score
Avoid bankruptcy

All with NO upfront costs, fees or charges.

Apply Now

*To be eligible – need to work and earn $700+/week

How does it work?

We work with you and your creditors to develop an affordable payment plan for all your outstanding debts. We deal with Australia’s banks, finance companies and major creditors every single day to negotiate affordable solutions for clients who want to repay their debts. To see if Pay-In-One is right for you – apply today.

What debts can be included?

Personal loans, payday loans, credit card or store card debts, and old phone or utility bills are some of the debts commonly included in a Pay-In-One program. If you have secured debts such as a car or a home loan, we’ll discuss whether it is best to include them in the program or continue paying them directly. Regardless, all your debts will be factored into your budget to ensure your Pay-In-One payment is affordable.

What does it cost?

You will not be charged anything upfront or outside your Pay-In-One program because our fees and charges are deducted from your one regular payment. So rest assured — from your very first payment, the funds will go towards all your debts, including our professional fees for setting up and managing your Pay-In-One program.

Will this affect my credit rating?

Pay-In-One is NOT a Part IX Debt Agreement and does NOT fall under the Bankruptcy Act, so you will not have a bankruptcy listed on your credit report. If you enter a Pay-In-One program, most creditors will list this under a financial hardship arrangement – so provided you continue to meet your repayments, you will protect your credit file from further negative listings.

Stop juggling multiple debts and Pay-In-One!

Apply Now


Pay-In-One is a registered business name and product of Safe Debt Management Pty Ltd. Terms and conditions apply.

Pay in one

Remove financial stress and get your life back on track

Struggling with unsecured debts of more than $5,000?
Make your life better - for a FREE debt assessment, apply today!

About Safe Debt Management

About Safe Debt Management

Safe Debt Management is part of the Safe Financial Group of companies.

At Safe Debt Management, we’re all about making your life better. We believe in being totally transparent with our costs – and if we can’t help you, we won’t charge you! Most importantly, we believe in providing professional, personalised and confidential service. Read more – About us.

For a FREE, no-obligation consultation, talk to a debt specialist today about how we can help make your life better.

Call 1300 661 901

Safe Debt Management Pty Ltd ▪ ACL 531560 ▪ ACN 010 183 294 ▪ RDAA # 1251
Safe Debt Management is a registered Debt Agreement Administrator with Australian Financial Security Authority (AFSA) specialising in Debt Agreements.