a lot of companies offer considation of debt loans now - its worth shopping around particually if you have a good credit rating. consider the total cost of the 4 cards and borrow appropriatley. you can make over payments on loans just set up a direct debit for the minimum amount and then make over payments as and when. its worth asking the company in question if you will be charged for making over payments or paying off the loan early and if they say no ask for this in writing .