Debt Consolidation
One Payment, Total Clarity
Juggling multiple debts — credit cards, loans, overdrafts — is stressful and expensive. Consolidating them into one loan can reduce your monthly outgoing and simplify your finances significantly.
4.9%APR from / year
$500KMax Loan
20 yrsMax Term
FreeNo-Obligation Review
How It Works
Turn Many Payments Into Just One
A debt consolidation loan replaces multiple debts with a single loan at a lower overall rate. Here is a realistic example of how much you could save:
📊 Real-World Example
| Current Debts | Balance | Rate | Monthly |
|---|---|---|---|
| Credit Card 1 | $8,000 | 22.9% | $240 |
| Credit Card 2 | $5,500 | 19.9% | $165 |
| Personal Loan | $12,000 | 12.4% | $270 |
| Overdraft | $2,000 | 39.9% | $80 |
| TOTAL | $27,500 | ~21% avg | $755/mo |
| After Consolidation | $27,500 | 4.9% | $520/mo |
Monthly saving: $235 · Annual saving: $2,820
Secured vs Unsecured Consolidation — which is right for me?
Secured: Use your property as security. Lower rate, larger amounts (up to $500K), longer terms. Suitable if you own property and have significant debt. Risk: your home is at risk if you cannot repay.
Unsecured: No property required. Smaller amounts (up to $50K), slightly higher rate. Less risk to assets but harder to qualify for if credit is impaired.
Unsecured: No property required. Smaller amounts (up to $50K), slightly higher rate. Less risk to assets but harder to qualify for if credit is impaired.
Will debt consolidation hurt my credit score?
In the short term, a new application creates a hard search on your credit file. However, by paying off multiple accounts and making consistent payments on one loan, most people see their credit score improve over 6–12 months of reliable repayment.
Can I consolidate with bad credit?
Yes, in many cases. We work with specialist lenders who consider adverse credit history including missed payments, defaults and CCJs. A secured consolidation loan using property as security gives the most options. We assess each case individually.
🔗 Consolidation Calculator
Enter your total debt and current monthly payments to see your potential saving.
New Monthly Payment
$315
Monthly Saving
$485
⚠ Consolidating debts may extend the overall repayment period and increase the total amount repaid. Your home may be at risk if secured. Always consider the full picture.