Search results for “Consolidation loans”

  1. Debt consolidation loans

    Are debt consolidation loans right for you? Learn about debt consolidation loans through our free and independent service set up by the government.

  2. How to reduce the cost of your personal loans

    There are also no extra charges if you pay off a variable rate loan early. Some loans are specifically advertised as debt consolidation loans – these allow you to merge your loans into one. Consolidation loans are now much harder to obtain and should only be considered ...

  3. Problems paying back a payday loan

    Taken out a payday loan and struggling to pay it back? Get help and advice on what to do and how to limit your interest charges.

  4. What to do about debt if you lose your job

    Things like credit card bills, unsecured loans, bank overdrafts and catalogue debts are classed as non-priority debts. The consequences for non-payment of these aren't quite as great. The companies you owe can't take your home, for example. At the worst, you could be taken to court and ordered to pay an amount that is ...

  5. Secured and unsecured borrowing explained

    Debt consolidation loans that are secured on your home can be first or second charge. If it's a first charge mortgage, it means you've taken out a loan for home improvement – for example, when you have no existing mortgage. Whereas a second charge mortgage involves setting up a separate agreement with your existing ...

  6. Best ways to pay off your debts – England and Wales

    Find out about the different ways to deal with help clear or write off your debts if you are falling behind with day-to-day bills, loan and credit card repayments or your rent or mortgage.

  7. Taking out a joint loan: what you need to know

    Many couples take out a joint debt or loan. As a couple, you might be able to borrow more money. But it's a serious step because each of you could be asked to repay the full debt if the other person can't. What types of loans and debt can be taken out jointly? Joint and several liability explained; What about credit cards – can ...

  8. Personal loans

    The interest rate you pay on a personal loan is usually fixed (but not always - check that it is fixed not variable). You can choose how long you'd like to take to repay the loan. Remember the length of a loan will affect the amount you're charged in interest. You can consolidate several debts into one personal loan, potentially ...

  9. Loan sharks

    Loan sharks are illegal, dangerous and can resort to intimidation or violence. Read our guide to find out how to avoid them by considering other options.

  10. How to deal with student loan and credit card debts after graduation ...

    Graduates can sometimes leave university with more than £30,000 of debt from loans and credit cards. This might seem overwhelming but there are ways to manage your debts. We've pulled together some practical student debt advice to help you manage your loan and credit card repayments, stay on top of your finances ...