Debt Consolidation Solutions
Write Off Upto 75%* Of Your Current Debt
Our Specialist Team Can Help You
Looking For Loans For Bad Credit And Poor Credit Can Affect Your Credit Further, Speaking To Us We Can Help Identify Further Options For You.
- Bad Credit - No Problem
- One Simple Monthly Payment
- Stop Interest And Charges
Authorised And Regulated By The Financial Conduct Authority. Advice Is Free But Fees And Disadvantages May Apply If You Enter A Debt Help Solution. My Not Be Suitable For All
- Debt Consolidation
- Ongoing Support
- 5-Star Review
Money Helper is an independent service set up to help people manage their money
Apply
Just complete the form below and we'll be in touch immediately.
APRS FROM 5.8%
Unsecured Loan Representative 69.9% APR
When borrowing £7,500 over 36 months with monthly repayments of £502, the total repayment amount is £18,083. This includes a total cost of credit of £10,583, at a variable interest rate of 69.9%. The lenders in our network provide loan terms ranging from 12 to 60 months, with APRs varying from 5.8% to 89.9%. Please note that the representative example is based on loans disbursed by lenders from April 19, 2022, to December 23, 2022.
Secured Representative 11.7% APR
Opting to include fees in the loan: For a £25,000 loan over 120 months, along with a £2,500 broker fee and a £250 lender fee, your monthly repayments would be £345.55. The variable borrowing rate is 8.6%, resulting in an 11.7% APRC. Total cost for credit is £16,466.00, and the total amount repayable is £41,466.00. You can also choose to pay the lender and/or broker fees upfront, with options discussed by your advisor.
Consolidate Your Debt With 3 Steps
Step 1
Initiate your journey with our fast and simple online application. Begin now >
Step 2
Our Team will assess your application to find the best solution possible
Step 3
Upon approval, We will consolidate your debt into one manageable payment
Why Choose Us?
One affordable payment
Focus on only one monthly payment.
Bad Credit?
No problem. We look at all options
Expert Advice
We are experts in debt solutions.
No Upfront Fees
No hidden upfront fees to worry about.
Tailored for you
Real Solutions just for you.
Quick Application
Our online application only takes minutes to fill out.
Compare Debt Solutions
Consolidation Loan
A loan used to combine multiple debts into a single monthly repayment, potentially at a lower interest rate.
Advantages:
Simplifies repayments by combining multiple debts into one.
Potentially lower interest rates, reducing overall repayment costs.
Fixed repayment schedule, aiding in budgeting and financial planning.
Disadvantages:
Requires good credit to secure favourable interest rates.
Risk of accruing more debt if underlying spending habits aren’t addressed.
May involve fees for early repayment of existing debts or loan arrangement.
IVA - Individual Voluntary Agreement
.
A legally binding agreement to repay a portion of your debts over 5–6 years. Once completed, any remaining unsecured debt included in the IVA is written off.
Advantages:
Debt written off at the end of the arrangement.
Legal protection from creditors and bailiffs.
One affordable monthly payment based on your income and circumstances.
Disadvantages:
Commitment of 5–6 years, with limited flexibility to exit early.
Strict budgeting, and extra income (e.g. bonuses or inheritance) may need to be paid into the arrangement.
Risk of failure if you miss payments or don’t stick to the terms.
Debt Management Plan
DMP – Debt Management Plan
An informal arrangement with creditors to repay your debts at a pace you can afford.
Advantages:
Flexible and adaptable – can be changed if your situation changes.
One monthly payment covering all your debts.
No court involvement required.
Disadvantages:
Not legally binding – creditors can still contact you or take legal action.
May take longer to repay debts in full.
Interest and charges may continue unless your creditors agree to freeze them.
Debt Relief Order
DRO – Debt Relief Order
A solution for people with low income and few assets, allowing debts to be written off after 12 months with no repayments.
Advantages:
Applies to debts up to £50,000 (England & Wales, from 28 June 2024).
No monthly payments required during the 12-month period.
Legal protection from creditors.
No application fee (the £90 fee was removed in April 2024).
Disadvantages:
Strict eligibility criteria – you must have low income, assets under £2,000, and less than £75 spare income each month.
Listed on the Individual Insolvency Register for 15 months.
May affect employment in regulated sectors.
Administration Order
A court-managed repayment plan available if you have a County Court Judgment (CCJ) and owe less than £5,000 in total debt.
Advantages:
One monthly payment made through the court.
Court protection – creditors can’t take further action once the order is in place.
No need to negotiate with creditors directly.
Disadvantages:
Only available for debts under £5,000.
Court takes a handling fee (up to 10% of your payment).
Listed on public registers and may affect your credit.
Bankruptcy
A formal insolvency solution where most debts are written off, usually within 12 months.
Advantages:
Most debts cleared quickly, often within a year.
No further payments if you have no surplus income.
Full legal protection from creditors.
Disadvantages:
Assets may be sold, including your home or vehicle.
Appears on the public Individual Insolvency Register.
Employment restrictions apply in certain professions or industries.
One affordable payment
Focus on only one monthly payment.
Bad Credit?
No problem. We consider all credit scores – even bad ones!
Expert Advice
We are experts in debt solutions.
No Upfront Fees
No hidden upfront fees to worry about.
Tailored for you
Real rates tailored just for you.
Facing Difficultis Obtaining Loans - We Can Help With Uk Debt Solutions
Rest assured, we take all credit scores into account.
Do You Still Have Questions?
Some Of The Debts You Can Consolidate
Personal Loans
Just barely making the monthly payments? We can help you take control of your finances and make these repayments more manageable.
Store Cards
If store cards have caused you to have debt, then we can support you in repaying this at an affordable rate. Get in touch today for details.
Credit Cards
Credit card debts can quickly become unmanageable but, don’t worry, we are here to help you. Just give us a call or complete the form.
Payday loans
If you’re struggling to repay your payday loans, help is available. In just a few hours you can get the help you need. Call us today.
Ready to get started?
