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Debt consolidation loan

Simplify your debts with a debt consolidation loan

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.

What is a debt consolidation loan?

Got debts in different places? With a debt consolidation loan, you could roll them into just one monthly payment.

Why get a debt consolidation loan?

Easier

Take control of your money now with just one monthly payment for your debts.

Fixed payment

Relax, your payments are fixed. So, you pay the same amount each month.

Roll your debt together

Use your debt consolidation loan to pay off other loans, credit cards, and overdraft debt.

Debt consolidation loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 6.6%  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 6.6%  APR

The Representative APR changes based on the amount you borrow.

How long would you like to borrow for?

60 Months

Representative Example

Borrowing

£10,000

Over

60 Months

Monthly repayment

£195.24

Total repayment

£11,714.40

Representative

6.6

% APR
(Annual Percentage Rate)
Interest rate

6.60

% p.a.
(Fixed)

The rate you pay depends on your circumstances, loan amount and term and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

How long could you borrow for?

You could pay back your debt consolidation loan over one to eight years.

Get your free personalised quote

Find out if we're likely to say 'yes' before you apply and how much your loan could cost you. Don't worry - a quote takes minutes and won't affect your credit score.

Benefits of our loans, plus more

Why get a loan from us?

Start with a free quote

We can usually say what you could borrow and your rate before you apply – and it won’t affect your credit score.

You could get your money today

Your money could be in your account the same day if you apply online, are unconditionally accepted and sign your loan documents before 5:45pm Monday to Friday, excluding bank holidays. It may take longer if we need more info.

Pay your loan back early

Got a bit of extra money? Feel free to pay us back early. If you do, though, you’ll need to pay an early repayment fee.

Why use our app?

Tips to manage debt

Is a debt consolidation loan right for you?

Loan? Credit card? Overdraft? Figure out what type of borrowing is best for you. 

Are you ready to apply?

We'll start with your free quote

At the start of your application, we’ll usually let you know if you could get a loan – and your personalised rate – without affecting your credit score. It’s then up to you if you want to go ahead.

To apply online, you'll need to:

  • Be 18+, a UK resident and have had a current account with us for at least three months.
  • Not have been declared bankrupt in the last six years.
  • Not have applied for a loan with us in the last 28 days.

Sounds good so far? Just a bit more info to get through:

Ready to apply?

Just so you know, you can only apply if you have two loans or less with us right now. (More than two loans? You'll ned to pay one off before you apply.)

To speed up your application for a loan, we need to do a few final checks with you. They'll only take a minute.