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Loans up to £25,000

Whatever your circumstances

Apply for a Consolidation Loan

Complete our short application now and let us find you a consolidation loan.

A loan that ‘consolidates’ all your existing debt is called a Consolidation loan, and this may be a good option if you have several debts. It brings together all of your debts into one easier to manage monthly repayment, which is often less than numerous monthly repayments to different lenders. The majority of debt consolidation loans are secured against your property, and so it is highly likely that you must be a homeowner.

Your home may be at risk if you do not keep up the repayments on a mortgage or any other debt secured against it. Think very carefully before securing further debts against your home. All rates are variable dependent on individual circumstances, loan amount and loan type. Overall, sometimes repaying your debt over a longer time period may increase the total amount payable.

Here we have outlined the main advantages and disadvantages to help you make the right choice:

Advantages

  • A single monthly repayment to one lender is easier to manage than several monthly repayments to different lenders. It will be easier to keep track of your finances and outgoings.
  • One monthly payment on a consolidation loan may be cheaper that your current existing monthly repayments. This is because you are only paying interest and fees on the one consolidation loan and not several different fees, charges and interest.
  • Overall, you can reduce the amount you have to repay by consolidating all existing debts into a one, ideally lower interest consolidation loan. If you existing debts have high interest rates, this can save you money in the long run.

Disadvantages

  • You may incur additional fees to arrange your loan. These can often be added onto the overall cost of the loan, and differs from lender to lender.
  • Your debts may run over a longer time period.
  • Depending on how many existing debts you have, it may not be possible to consolidate them all.
  • Any loan secured against your home may be repossessed if you fail to keep up the repayments.

Loans up to £100,000*

Whatever your circumstances

* Unsecured loans available up to a maximum £25,000. Lenders will offer loans of up to £100,000 subject to affordability secured against property.

  • No 'Up-Front' fees
  • Bad Credit, CCJ, Arrears
  • Loans for any purpose
  • No complicated forms

Typical 16.9% APRC (secured)

Typical Example:
£15,000 over 5 years, typical 16.9% APR variable. Monthly Payment £371.98. Interest £7,318.95. Total Repayable £22,318.95.

44.9% APR representative (unsecured)

Representative Example:
Borrowing £4,500 over 60 months. Repaying £167.63 per month. Total repayable £10,057.50. Annual interest rate is 44.9% fixed.

WARNING - LATE REPAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO WWW.MONEYADVICESERVICE.ORG.UK

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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 OTHER DEBT SECURED ON IT.

WARNING - LATE REPAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO:

The Money Advice Service

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Unsecured Loans For You Ltd are a licenced credit broker, not a lender. We are authorised and regulated by the Financial Conduct Authority. The information you provide is passed to our trusted panel of lenders where all applications are subject to assessment and approval.