Manage your debt with debt consolidation
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What is debt consolidation?
Debt consolidation means taking out a new loan to pay off your existing debts, combining multiple repayments into one simple monthly payment, usually arranged through a bank or loan provider.
Different consolidation loans suit different situations. Before deciding, make sure you understand any interest rates, fees, or charges that may apply.
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Benefits of Debt Consolidation
Here’s how a Debt Consolidation loan can help you regain financial freedom:
Single monthly payment
Instead of juggling multiple bills, you’ll make just one easy monthly repayment, helping you stay organised and on track.
No more chasing creditors
All your debts are rolled into one loan, so you don’t need to deal with multiple creditors. Everything is managed in a single place.
Potentially lower interest rates
By consolidating high-interest debts like credit cards into one loan, you may benefit from a lower interest rate, reducing the total you pay overtime.
Take back control of your debt
Customer feedback
I was at my wits end dealing with all my debts when I got in touch with CAM... I was really impressed with the advice and time which was given to me from Nathan Jacketts. I have been going around in a cycle of credit card debit for as long as I can remember. I originally wanted a loan, but discovered they are other options available to me that I was not aware of. I now have all my debts consolidated into an IVA paying one affordable repayment of £155 a month. This has changed my life, I now dont have to stress each month managing 5 to 6 separate payments going out each month. I highly recommend CAM and Nathan for not judging me 👍
Highly recommend Care About Money, I had a bailiff at my property over a parking fine at 5.20pm, I found care about money online and gave them a call. Spoke initially with Eli, who was beyond incredible and gave me advice on what I needed to do and what my options were he arranged a priority phone call for the following morning at 9.30 where Justin , was equally as incredible we went through everything thoroughly and he explained my options and started the process. Immediately they contacted the creditors on my behalf and got me legal protection meaning I had time to come up with a plan on what to do but stopping the company/companies from contacting me in any form or removing assets. Every single person I dealt with has so much compassion and genuine empathy. They were so respectful and helpful.
Was quite amazed how quickly, Care about money worked. I was in quite a lot of dept and had many company's I owed money too, thay sorted out all my bills and some I didn't remember and consolidated all my moneys owed into one month's affordable payment, Eli and Dan sorted out my finance to a point where now j feel quite lifted and free from worrying about who was going to knock at my door. So I would like to thank everyone who has made this possible for me. Kenny Emptage
Frequently asked questions
Debt consolidation combines multiple debts into a single loan or repayment plan. Instead of paying several creditors separately, you make one monthly payment, usually at a lower interest rate. This can make your finances easier to manage and reduce the total amount you
pay overtime.
Getting debt consolidation is straightforward if you meet basic eligibility requirements. Lenders usually consider your income, credit history, and ability to make repayments. Our advisors can guide you through the process and help you find a plan that works for your situation.
The cost of debt consolidation depends on the loan amount, interest rate, and repayment term. While there may be fees, many people save money overall because they replace high-interest debts (like credit cards or payday loans) with a single, lower-rate repayment.
Yes. Debt consolidation loans are often used to pay off high-interest credit card balances. By combining them into one lower-interest loan, you could reduce the total interest paid and make your monthly repayments more affordable.
Debt consolidation can be a great option if you’re juggling multiple debts and want simpler, more affordable payments. However, it depends on your income, credit rating, and the terms available to you. Our advisors can help assess whether consolidation or another debt solution is better for your situation.
Debt consolidation loans can be secured or unsecured.
- Unsecured loans don’t require assets like property or a car as security but may come with higher interest rates.
- Secured loans are tied to an asset and usually offer lower rates, but your asset could be at risk if you fail to make repayments.
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