Money talk.
Minus the judgement.
That's Y Refi is the younger, debt-consolidation-focused brand of Sterling & Co. Pty Ltd. Powered by Finsterl Finance, a credit broker — and the same company.
Many moving parts. One clearer picture.
Credit cards, BNPL, personal loans. Add everyday costs to the mix and it's a lot to keep track of. We built That's Y Refi around one simple starting point: see your numbers together, without sharing personal details or running a credit check.
The two arms of our Y meet in one stem. That's the idea behind consolidation too: eligible debts joining into one repayment. But a simpler structure isn't automatically a lower total cost. We keep that trade-off front and centre.
A calculator first. A conversation if you want one.
Our calculator is illustrative, not an offer of credit. It doesn't decide whether a loan is right for you or whether you'll be approved. If you want to explore an actual loan, Finsterl Finance can discuss your circumstances and the assessment process.
We focus on unsecured personal debt consolidation. For secured vehicles, recreational finance or business borrowing, head to Finsterl Finance for a separate enquiry.
Meet Finsterl FinanceThe details that matter.
That's Y Refi (registered business name THAT'S Y REFI) is a business name of Sterling & Co. Pty Ltd ABN 69 684 138 690. Australian Credit Licence 568199. AFCA member 116347.
1300 508 827 · info@finsterlfinance.com.au
14/17 Rivergate Place, Murarrie QLD 4172
Our privacy information, credit guide, fees and complaints process are available through Finsterl Finance.
A clearer picture starts with your numbers.
No judgement. No credit check. Just a place to start.
Crunch my numbers