Debt Consolidation Loans

What is a consolidation loan?

A consolidation loan is a loan you take out with the purpose of paying off existing creditors. This could be a good option for you if you have several debts. It can help you reduce the monthly repayments to your creditors, however in most cases, lenders will require you to be a homeowner and you may have to secure the loan against your property.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. All rates vary subject to loan amount, loan type and status. Repaying your debt over a longer period of time may increase the amount you pay.

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Loans from £500 to £1,000,000
Rates from 4.7% to 99.9% APR

Representative example(unsecured): - £3,000 over 3 years, representative 49.9% APR fixed. Monthly payment £146.39. Interest payable £2,269.91. Total repayable £5,269.91. Annual Interest Rate 41.2% fixed.

Representative example (secured, if you choose to add fees to the loan): Assumed borrowing of £25,000 over 120 months, plus a broker fee of £2,500 and a lender fee of £250 would result in monthly repayments of £345.55, the borrowing rate is 8.6% (variable), the APRC is 11.7% (variable), total charge for credit £16,466.00 and the total amount payable £41,466.00. You can opt to pay the lender and/or broker fees upfront, your adviser will discuss these options with you.

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Terms from 1 - 7 years (unsecured), 3 -30 years(secured)
Loans for any purpose
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Absolutely No Up-Front Fees
Bad Credit, CCJ, Arrears OK

Loans up to £1,000,000*

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Advantages

Your monthly payments could be reduced.
If your debts have high interest, you could reduce the total amount you have to pay back.
It's easier to manage your finances as many debt repayments are consolidated into one monthly payment.

Disadvantages

Your debts will generally run on over a longer period of time.
You won't have as much flexibility negotiating your monthly payments if your circumstances change.
Depending on the lender, there could be fees payable to arrange your loan.
If you secure the consolidation loan against your property, you risk losing your home if you don't keep up the repayments.
You may not be able to consolidate all of your debts.
A higher amount of total interest may be payable if you take a consolidation loan out over a longer period of time
Consolidation loans may have an adverse effect on your credit rating

* Unsecured loans available up to a maximum £35,000 subject to affordability and creditworthiness checks. Lenders will offer loans of up to £1,000,000 subject to affordability secured against property.

Click Finance is a profit seeking business and may receive commission from the loan. Free and impartial debt advice is available from not-for-profit debt advice bodies such as the Money Advice Service.

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What is a consolidation loan?

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