Consolidation loans

Get the best consolidation loans available to you from our panel of leading UK lenders.

  • Consolidations loans for people with bad credit, arrears or CCJs
  • We’ll search for the best consolidation loans available to you
  • Getting a quote WILL NOT affect your credit profile
  • Consolidate expensive credit bills and reduce monthly outgoings

Secured Loans for Bad Credit


To apply by phone call 01656 837 228
We’re open Monday to Friday 9am – 8pm and Saturday 10am – 1pm.

Considering a consolidation loan?

Consolidation loansThe most important thing to remember when consolidating is to ensure that you use the loan to pay off your credit and store cards in full and then DO NOT continue to spend on the cards after. This will ensure your monthly repayments stay low and that you do not accrue further credit that you may not be able to afford.

Depending on how much you wish to reduce your monthly outgoings by and subject to the interest rates and balances of your existing credit that you are consolidating, you may pay back more if you decided to extend the loan over too long a term so it’s import to get the balance right and make your consolidation loan change your life and finances for the better.

Consolidation loans articles

How a consolidation loan works

Here you’ll find all you need to know about how a consolidation loan works and how it could benefit you – like it has done for customers across the UK.

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Benefits of consolidating debt

You could pay less tomorrow by consolidating debt today. Here’s how…

View article

Apply for a consolidation loan quote online now with the peace of mind that simply getting a loan quote will not affect your credit profile.

Apply now

TYPICAL 9.5% APRC variable

Rates from as low as 4.6% APRC variable. Our highest rate is 39.9% APRC variable allowing us to help customers with severe credit problems. 51% or more of customers receive our typical rate of 9.5% APRC variable OR LOWER.

Secured Loan Representative Example: If you borrow £15,000 over 15 years at a rate of 9.5% APRC variable, you will pay 179 instalments of £152.35 per month and a final payment of £302.35. Total amount payable of £27,573. This includes the net loan, interest of £10,623, a broker fee of £1,500 and a lender fee of £450. The overall cost for comparison is 9.5% APRC variable.

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.

Loans subject to status and secured on residential property by way of second charge. Consolidating debts may increase the term and total amount payable. Minimum age 18 years. Improve Finance is a credit broker using a representative panel of lenders who specialise in second charge mortgages and receive a commission from the lender on completion of a loan. We charge a fee for our broking services of between 0% and 15% and will inform you of this fee before you decide whether to proceed with the loan.

Rates and fees correct as of 21.01.2018. Improve Finance is a trading style of Willows Finance Limited, Brocastle, Bridgend CF35 5AS. Company registered in England. Registration number 6678545. Authorised and regulated by the Financial Conduct Authority under number 670052, registered under the Data Protection Act No. Z1447660 and are a member of the Association of Finance Brokers.

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