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Debt consolidation loan, Barclays, unsecured debt consolidation loans.#Unsecured #debt #consolidation #loans


Debt consolidation loans

All your debts in one manageable loan

If you’ve borrowed from different lenders, a debt consolidation loan could help you take control of your finances and keep track of your money.

Loans are subject to status. Early settlement fees apply.

✔ Manage your debts with just one loan 1

✔ Quick and easy application

✔ Personal price quote – with no credit footprint 2

0 APR Representative

over 2-5 years. (Your rate may differ 3 )

Take control of your debt with a Barclayloan

Having just one loan could be more straightforward and easier to manage than a number of payments to different lenders.

But it’s worth noting that consolidating debts might involve payment of a higher rate of interest or charges – or both. Consolidating debts might also increase the overall period required for repayment.

Debt consolidation overview

Discover your loan rate without affecting your credit score

Knowing how much you can borrow really helps when consolidating your debt. And, unlike some other lenders, in many cases we can give you a personalised price quote up front – without impacting your credit score. To find your loan rate, simply log in to Online Banking or Barclays Mobile Banking, if you’re registered 2 .

You could get your money straightaway

It’s quick and easy to apply and, if your loan application is approved and you’ve signed your loan agreement online, the debt consolidation money is usually transferred to your current account within a few minutes 4 .

If you take out a Barclayloan and another lender offers you a like-for-like unsecured loan with a lower APR, you can claim under our guarantee – within 30 days of the date we signed your Barclayloan agreement.

We’ll reduce the interest rate to produce an APR equal to the competing offer and recalculate your monthly repayments to reflect the reduced interest rate. Please read our full price guarantee terms and conditions.

Fixed monthly repayment

This could help you budget.

Choose your payment term

Depending on the loan amount.

Already have a Barclayloan and need more funds? You can apply to increase your borrowing with us.

If you just want to take out a second loan instead of topping up, that could be an option too.

Repaying your loan early

You have the right to repay your loan early, in part or full, at any time. We’ll charge a fee equal to 30 days’ interest on the amount you’re repaying, as well as any other interest that’s due.

Eligibility

To apply online, you’ll need to:

✔ A Barclays current or savings account, mortgage or Barclaycard

✔ To be aged 18 or above

You can use your loan for almost anything, apart from:

  • Business reasons
  • Investments, including buying stocks and shares
  • Timeshares
  • Purchasing property (home improvements are fine)
  • Gambling-related expenses
  • Repaying CCJs (county court judgments)
  • A purchase made by combining this loan with any others

Resume an application

If you’ve already started a loan application and have saved your progress, it’s easy to pick up where you left off.

If you applied via Online Banking

Log in to Online Banking here, and we’ll take you straight to your saved application.

If you used our online application form

If you started your application via our online form, we’ll have sent you an email with your reference number. You can enter the number here.

Our lending commitments and what we ask of you

As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us.

  • We will lend responsibly and aim to provide a product that is affordable for you.
  • We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs.
  • We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs.
  • We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service.
  • If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.
  • We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice.

What we ask of you

  • We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us.
  • Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts.
  • Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details.
  • Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us.

Please let us know if

  • Your contact details change, so we can keep our records up to date.
  • Your circumstances change, particularly if what’s happened is likely to cause you difficulties in managing your account or financial problems.
  • You think that you won’t be able to keep up with your repayments. The sooner you do this, the more likely it is we’ll be able to find a way to help you.

We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.


AAA Debt Managers: Personal Debt Consolidation – Credit Counseling in Canada, unsecured debt consolidation loans.#Unsecured #debt #consolidation #loans


Unsecured debt consolidation loans

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CONSOLIDATE DEBT PROGRAM

Nobody needs constant calls from creditors and sleepless nights. So you’ll be glad to know one call to one of our licensed professionals you’ll see how you can become debt free, and worry free.

Unsecured debt consolidation loans

HOW WE HELP Our Services

With 20 years of proven Debt Management Programs and great service options we’ll help you pay down your debt and restore your credit and show you how we “manage your debt so you can manage your life”

Unsecured debt consolidation loans

GET OUT OF DEBT STARTS HERE

We’ve helped thousands of Canadians get out of debt in less time and for less money. We know what it takes to build a program that works. Start here to find out if you qualify. Call 1-800-774-5779 or chat online.

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GET OUT OF DEBT How it works*

Depending on your particular situation, Debt Management can be a great option for debt relief as it doesn’t require a loan and you can drastically lower your monthly payments, lower interest rates, and pay it off quicker than if you tried on your own.

Debt Management is a consumer relief program whereby we arrange with your creditors to substantially reduce your interest rates and monthly payments on unsecured debt (such as credit cards), allowing you to avoid bankruptcy and the adverse effects it can bring to your credit rating. Debt Management can reduce your total debt owed including interest by as much as 60%, while lowering your monthly payments during the process.

Is Debt Management right for you?

Debt Management is suitable for unsecured debts, such as credit cards bills. It does not apply to secured debt (like a mortgage) because if you default on the loan, creditors will be able to get their money back from the sale of your assets. Debt Management is right for indviduals or familites who:

  • CANNOT MEET THEIR MONTHLY MINIMUM PAYMENTS FOR UNSECURED DEBT OF $10K OR MORE
  • PREFER TO AVOID BANKRUPTCY AND THE STIGMA THAT COMES WITH IT
  • HAVE AVAILABLE CASH OR STEADY MONTHLY INCOME TO AFFORD A REPAYMENT SCHEDULE
  • WOULD LIKE TO RELIEVE STRESS, STOP COLLECTION AGENCY CALLS AND REDUCE DEBT
  • WOULD LIKE TO REBUILD THEIR CREDIT AND TAKE CONTROL OF THEIR FINANCES

Find Out If You Qualify. Call 1-800-774-5779

DebtManagers acts as a mediator between you and your creditors, negotiating a new repayment schedule on your behalf, reducing interest rates and monthly payments by up to 60%. For nearly 20 years we have assisted thousands of Canadians Coast-to-Coast in eliminating consumer debt and rebuilding credit.

As you can imagine, each debtor’s situtation is unique, so the only way to determine if you qualify for this debt management program is to schedule a debt assessment with one of our experienced debt advisors. To find out if you qualify call 1-800-774-5779 or fill out the form above for a free, no-obligation and confidential debt assessment.

THE DM DIFFERENCE

  • Unsecured debt consolidation loans

Stop Creditor Calls

Our relationship with creditors means we can silence collection agency calls.

  • Unsecured debt consolidation loans

    Make One Payment

    We’ll consolidate your debt into one monthly payment based on what you can afford.

  • Unsecured debt consolidation loans

    Balanced Budget

    We’ll work with you to find ways to save money and balance your budget.

  • Unsecured debt consolidation loans

    Eliminate Interest

    Our vast network of creditors means we can eliminate or drastically cut interest.

    Unsecured debt consolidation loans


  • Debt Consolidation, Best Online Advice for personal loans, unsecured debt consolidation loans.#Unsecured #debt #consolidation #loans


    Free Ebook

    your loan approved

    Unsecured debt consolidation loansWhat is loan consolidation?

    Loan Consolidation is a process by which you take all your existing credit agreements and roll them into one loan. In order to reduce the total monthly payment, consumers often stretch it out over the longest period possible, typically 5 years or 60months.

    One should take not of the fact that one is usually therefore swopping certain existing credit facilities like Credit Cards and overdrafts for a higher interest rate loan. Consolidation loans are therefore usually granted after the maximum credit facilities have been taken up, with affordability being the most common factor for declines. It is also very important to remember that the Credit Facilities, like credit cards and overdrafts, aren’t automatically closed when one transfers the payment received from the consolidation loan. Fees and account charges can easily keep the account active.

    It is imperative that the consumer closes any accounts they are not using to avoid unnecessary debits. Download our eBook which contains valuable information on credit score.

    Our Free Workshops

    Unsecured debt consolidation loansWe currently do talks around financial wellness to the staff of financial institutions like ABSA and Nedbank, but also do employee financial wellness workplace talks at many other companies like Shell, Freddy Hirsch, Woolworths and Multichoice.

    The reason for this is usually pretty clear to HR Payroll departments who often have also felt the debt burden of employees in the sense that these employees sometimes borrow money from fellow workers creating friction in the workplace.

    They might also try to take on extra jobs on weekends or after hours in an attempt to make ends meet, and therefore come to work tired. At some companies’ employees try to cash in their pensions to pay off unsecured debt, or borrow against it, thereby negating the good advantage the company had in the marketplace by offering the pension in the first place. When creditors are ignored, it sometimes even leads to garnishee orders that impacts on the payroll department. Many companies in Financial services cannot employ staff with impaired credit records as staff cannot then retain things like FAIS accreditation which is one of the main reasons ABSA and Nedbank invite us to speak so regularly.

    Minimum and Maximum period for repayment

    Personal loans typically have a repayment period of between 2 and 5 years. This calculation is based on a repayment period of 5 years (60 months). Credit Life Insurance has been added in this calculation. Monthly account fee of R60 (excluding VAT) and an Annual Interest Rate of 28% (or current Bank Repurchase Rate plus 21%). This calculation is a no obligation, free assessment and is intended to provide you with the information you need for comparison purposes only. For shorter timeframes, credit facilities (like Credit Cards and Revolving Loans) are more suitable products to use.


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    Bad Credit Loans

    Consolidation loans with bad credit

    If you have bad credit and want to acquire a loan then you may have been refused because of your credit score. If you need extra capital then a bad credit loan could be what you are looking for as they are created specifically for people with a poor credit score in mind. Not only will you have access to the money you need but as long as you stick to the loan agreement they can be used to rebuild your credit rating. If a bad credit loan is what you are looking for then make sure that you compare as many different loans as possible before you apply. The interest on these loans will vary and some can be a lot more expensive than others. Bad credit loans are offered by many lenders in South Africa and we have listed below some of the top loan providers on the market. Use the chart to compare all the features of each loan to find the one most suited to your lending requirements. It is extremely important to read all of the terms and conditions for any loan you might apply for. Some loans may have certain charges which you might not be aware of. It is also sensible to understand the detail of any financial obligation you are getting into.

    Consolidation loans with bad credit

    If you wish to speak to someone: Contact Us

    The term annual percentage rate describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate

    LOAN AMOUNT

    Amount you can borrow

    MIN TERM

    Minimum borrowing period

    MAX TERM

    Maximum borrowing period

    TERMS

    Terms and conditions of loan

    SUITABLE

    Applicants the loan is suitable for

    RESTRICTIONS

    Restrictions regarding potential borrowers

    SECURED LOAN

    Loans secured with an asset

    UNSECURED LOAN

    Loans which are not secured with an asset

    Wonga

    Consolidation loans with bad credit

    Consolidation loans with bad credit

    Terms

    South African ID number,over 18 years, employed and a bank account in your name

    Consolidation loans with bad credit

    Suitable

    For those seeking a short term financial solution to a short term cashflow problem

    Consolidation loans with bad credit

    Restrictions

    You must be employed and have a South African ID number in order to qualify. You must be over 18 years old and have a bank account in your name

    Consolidation loans with bad credit

    Consolidation loans with bad credit

    Consolidation loans with bad credit


    CREDIT CARDS and LOANS for BAD CREDIT, bad credit debt consolidation loans.#Bad #credit #debt #consolidation #loans


    Loans and Credit Cards for Bad Credit

    Welcome! Since 2005, we have been dedicated to helping those with a bad credit rating rebuild their credit. We provide you with the knowledge and resources necessary for you to find the best loans and credit cards for bad credit, regardless if you have a poor credit score or past credit problems. We continously update our offers to bring you the best bad credit offers available.

    If you are looking for the right offer to fit your financial needs or repair bad credit, please begin by choosing a category of offers below:

    Compare the top 10 credit cards for those with bad credit and apply online instantly.

    Compare auto lenders that approve people with a poor credit score.

    Review the best services for debt relief and debt consolidation loans.

    Need a cash loan to pay bills, take a vacation, or start a business? Apply now.

    Compare options to repair your bad credit history and improve your rating.

    Get a new home loan now at a great rate regardless of your past credit history.

    Tips and Advice

    ► 5 Steps to Rebuilding Bad Credit

    Bad credit debt consolidation loans

    ► Credit Crunch Shrinking Size of Personal Loans

    Bad credit debt consolidation loans

    ► Inside the Brain of an Auto Lender

    Bad credit debt consolidation loans

    ► Filing for Bankruptcy: Chapter 7 vs. Chapter 13

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    ► Which Type of Home Loan is Right for You?

    Bad credit debt consolidation loans

    ► Too Much Debt? How to Break the Debt Cycle

    Bad credit debt consolidation loans


    Debt consolidation loans – Money Advice Service, government debt consolidation loans.#Government #debt #consolidation #loans


    Debt consolidation loans

    Consolidating all your debts into one loan might appear to make life easier but there might be much better ways of dealing with debts. Find out more about how debt consolidation loans work, then get free debt advice before you make a decision.

    What is a debt consolidation loan?

    If you’ve got lots of different debts and you’re struggling to keep up with repayments, you can merge them together into one loan to lower your monthly payments.

    You borrow enough money to pay off all your current debts and owe money to just one lender.

    There are two types of debt consolidation loan:

    • Secured – where the amount you’ve borrowed is secured against an asset, usually your home. If you miss repayments, you could lose your home.
    • Unsecured – where the loan is not secured against your home or other assets.

    Secured debt consolidation loans

    Debt consolidation loans that are secured against your home are sometimes called homeowner loans.

    You might be offered a secured loan if you owe a lot of money or if you have a poor credit history.

    You should get free debt advice before you consider taking out a secured debt consolidation loan, as they’ll not be right for everyone and you could just be storing up trouble or putting off the inevitable.

    When should you consider a debt consolidation loan?

    Consolidating debts only makes sense if:

    • Any savings are not wiped out by fees and charges.
    • You can afford to keep up payments until the loan is repaid.
    • You use it as an opportunity to cut your spending and get back on track.
    • You end up paying less interest than you were paying before and the total amount payable is less (it could be more if you repay over a longer period).

    Before you choose a debt consolidation loan think about anything that might happen in the future which could stop you keeping up with repayments.

    For example, what if interest rates go up, or you fall ill or lose your job?

    If you can’t stop spending on credit cards, for example because you’re using them to pay household bills, this is a sign of problem debt.

    You should get free debt advice before taking out a debt consolidation loan.

    Warning!

    Always think about the potential downside of a secured loan. Your circumstances might change and your home could be at risk if you can’t keep up with repayments

    When getting a debt consolidation loan doesn’t make sense

    A debt consolidation loan definitely doesn’t make sense if:

    • You can’t afford the new loan payments
    • You don’t clear all your debts with the loan
    • You end up paying more overall (due to the monthly repayment being higher or the term of the agreement being longer), or
    • You really need help sorting out your debts rather than a new loan – a debt adviser might be able to negotiate with your creditors and arrange a repayment plan.

    Debt consolidation loans that don’t put your home at risk

    A better option might be a 0% or low-interest balance transfer card.

    This is the cheapest way if you repay within the interest-free or low-interest period.

    You’re likely to need a good credit rating though to get one of these cards.

    You could also consolidate your debts into an unsecured personal loan, but again you’ll need a good credit rating to get the best deals.

    Fees and charges for debt consolidation loans

    Beware of the high fees some companies charge for arranging the loan.

    • Read the small print carefully for any extra fees or charges before you sign anything
    • Check whether there are any fees for paying off existing loans early as this could cancel out any savings you make
    • Avoid paying a fee for a company to arrange the loan on your behalf unless you’re getting advice (and you’re sure it’s worth the cost)

    FreshFinance – Better choices, government debt consolidation loans.#Government #debt #consolidation #loans


    Smarter ways to clear your debts

    Check you qualify for debt help, right here.

    FreshFinance Blog

    Clarity with our fees

    At FreshFinance our goal is to provide you with the highest level of service in the clearest possible way. Which is why we partnered with Consolidators Ltd and their advisory team who share this passion. Consolidators Ltd role is to carry out the debt help services for you. They do not receive funding from any other sources, so their charge to you is for providing their services to help you reduce your debts.

    The specific fee structures for Debt Management Plans, IVAs and Bankruptcy are not hidden from you. In fact we want to ensure you know all the facts, which is why we have compiled a complete list of fees for each.

    Making better money choices with Fresh Finance

    3 Great ways to deal with debt

    Designed to put you back on track

    Debt Management

    Help if you have debts of ВЈ2,000 and over

    Debt Management allows you to pay one affordable monthly payment for all of your unsecured bank loans, credit card repayments and your other debts.

    Firstly the hassle of dealing with your paperwork and and day-to-day dealings with your creditors is taken away. Secondly, our selected debt partners will look to negotiate the freezing of charges and interest on your accounts to help stop your debts increasing.

    Bankruptcy

    Help if you have little or no disposable income

    If you are facing bankruptcy then it is important to speak to a professional debt advisor before proceeding with bankruptcy.

    Fresh Finance was set up to deal specifically with cases of serious debt that require immediate expert help. Advice is given both on avoiding declaring Bankruptcy and also how to go through the whole bankruptcy process.

    Help if your debts are over ВЈ5,000

    An IVA can help you write off the debts you cannot afford. Debts that qualify for an IVA can be cleared in a set time period (usually 5 to 6 years).

    An IVA is a legal process by which you can gain protection from your unsecured creditors by entering into a legally binding repayment agreement with them, which is then supervised by a licensed insolvency practitioner.


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    Consolidation Loans

    Quick Consolidation Loans offer you the opportunity to smash your debt and get your finances back on track.

    When it comes to monthly budgets things can change quickly and at times you could find yourself suddenly slipping into a situation where keeping track and honouring a lot of small payments could become an issue.

    Consolidation loans are one of the options that you could make use of to improve your current financial situation and make things more convenient while you may also reduce the total monthly amount you are liable for.

    Through Quick Consolidation Loans, you can consolidate all, or at least some, of your debt should you qualify and we are able to help blacklisted individuals or those who have bad credit due to past arrears.

    Contact Quick Consolidation Loans today and we will gladly help you with an application so that you can restructure your debt in a fast and affordable manner. Quick loans like these offer breathing room from ever increasing debt.

    Consolidation Loans Advice

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    Consolidation Loans Unsecured

    We will be able to offer advice on the suitability of debt consolidation to your specific financial situation, as there are instances where it would prove unsuitable. Our consultants will be able to help you with regards to secured and unsecured debt consolidation, and advice as to which would be most favorable to your outstanding debts. Operating on a national basis, we can also provide you with debt counseling or a debt review in South Africa. As mentioned, debt consolidation could save you on monthly payments and interest rates, which has made it a viable option for many. To find out if debt consolidation in South Africa is an option for you, contact Quick Consolidation Loans today.


    Debt Consolidation, Best Online Advice for personal loans, consolidation loans.#Consolidation #loans


    Free Ebook

    your loan approved

    Consolidation loansWhat is loan consolidation?

    Loan Consolidation is a process by which you take all your existing credit agreements and roll them into one loan. In order to reduce the total monthly payment, consumers often stretch it out over the longest period possible, typically 5 years or 60months.

    One should take not of the fact that one is usually therefore swopping certain existing credit facilities like Credit Cards and overdrafts for a higher interest rate loan. Consolidation loans are therefore usually granted after the maximum credit facilities have been taken up, with affordability being the most common factor for declines. It is also very important to remember that the Credit Facilities, like credit cards and overdrafts, aren’t automatically closed when one transfers the payment received from the consolidation loan. Fees and account charges can easily keep the account active.

    It is imperative that the consumer closes any accounts they are not using to avoid unnecessary debits. Download our eBook which contains valuable information on credit score.

    Our Free Workshops

    Consolidation loansWe currently do talks around financial wellness to the staff of financial institutions like ABSA and Nedbank, but also do employee financial wellness workplace talks at many other companies like Shell, Freddy Hirsch, Woolworths and Multichoice.

    The reason for this is usually pretty clear to HR Payroll departments who often have also felt the debt burden of employees in the sense that these employees sometimes borrow money from fellow workers creating friction in the workplace.

    They might also try to take on extra jobs on weekends or after hours in an attempt to make ends meet, and therefore come to work tired. At some companies’ employees try to cash in their pensions to pay off unsecured debt, or borrow against it, thereby negating the good advantage the company had in the marketplace by offering the pension in the first place. When creditors are ignored, it sometimes even leads to garnishee orders that impacts on the payroll department. Many companies in Financial services cannot employ staff with impaired credit records as staff cannot then retain things like FAIS accreditation which is one of the main reasons ABSA and Nedbank invite us to speak so regularly.

    Minimum and Maximum period for repayment

    Personal loans typically have a repayment period of between 2 and 5 years. This calculation is based on a repayment period of 5 years (60 months). Credit Life Insurance has been added in this calculation. Monthly account fee of R60 (excluding VAT) and an Annual Interest Rate of 28% (or current Bank Repurchase Rate plus 21%). This calculation is a no obligation, free assessment and is intended to provide you with the information you need for comparison purposes only. For shorter timeframes, credit facilities (like Credit Cards and Revolving Loans) are more suitable products to use.


    Halifax UK, Loans, Debt Consolidation Loans, bill consolidation loans.#Bill #consolidation #loans


    Loans for Debt Consolidation.

    Sometimes circumstances change and we should be able to change with them. Here are a few points to consider to help you decide if a debt consolidation loan is for you.

    Video removed is templatedata/component/sp-pat-131-iframe-responsive/data/loans/what-you-can-borrow-for/debt-consolidation/debt-consolidation-video

    Present account balances

    Before taking out a consolidation loan, take a good look at your account balances. How much of your debt could you pay off straightaway? Doing this will reduce any interest owed, the interest you’d earn from savings is less than the interest rates you’d be paying on the balance for most loans.

    Current budget

    What are all your outgoings for a month? If you don’t know then now’s the time to find out. If you know how much you’ve got coming in and how much is going out, you’ll be in a great position to make the most of your money. So sort out your budget before considering another loan.

    Credit ratings

    You need to find out your current credit rating, if you don’t already know it. Because this will make a big difference to the type of loan you can take out and how much you’ll have to repay, as interest rates fluctuate according to your credit rating.

    Rates of existing loans

    Compare interest rates between your current loans and your proposed loan. Will you actually be better off? Don’t forget to also take into consideration how long the loans are for, because the last thing you want is to end up having to pay more in the long-run.

    Benefits of consolidation

    The real benefits of a consolidation loan if you’ve done your homework are one simple bill instead of several, possibly lower rates, and potentially fewer payments.

    Dangers of borrowing more than you need

    It might sound obvious but the more you borrow, the more you have to pay back. A consolidation loan is here to help you, not make life harder. So do consider your options carefully before making a commitment.

    We re here to help you manage your finances. Talk to us about help with managing your finances if you have money worries.