Debt

Over 250 debt solutions, debt consolidation loans, IVA & debt management plans compared

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Try our simple debt test tool

Powered by Debt Advisory Centre, one of the longest established debt advice organisations, our simple Debt Test tool will show you the debt solutions that are available to you.

Looking for a loan?

Compare over 260 personal loans, secured loans, car loans and payday loans and find the right loan for you.

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All our partners are members of DEMSA which is approved by the Office of Fair Trading. Their advice is free and completely confidential.

Homeowner loans

A Secured Loan is ideal for debt consolidation, larger amounts & those with impaired credit.

Taking control of your finances can be a difficult and complex task. Whether you are looking for a helping hand to get back on track or a complete solution to pay off debts, it makes sense to talk to an expert and find the right solution for you. All our partners are members of DEMSA which is approved by the Office of Fair Trading. Their advice is free and completely confidential. Learn More

Provider Key Benefits Apply
Think Money
 Take control of your finances by getting help and advice on debt solutions that are right for you. Our experts can help you to freeze interest and charges on your debts through government backed legislation and take away the worry by helping you write off the debts you can’t afford.
Baines and Ernst
 Debts over £15,000? Here at Baines & Ernst we could help you reduce your monthly payments by a substantial amount and write off what you can’t afford to repay by taking advantage of government legislation.

Tim Moss says: " A secured homeowner loan can be a good way to consolidate multiple debts into one larger loan giving you the chance to spread your repayments over a longer period and freeing up valuable money each month. Moneysupermarket.com has the lowest secured loan rate available in the UK - exclusive to our users ... Learn More

Provider APR   Comments Apply
Platinum Exclusive Platinum Exclusive
7.7% Price for Risk Home Owner CHEAPEST Homeowner Loan in the UK for loans from £10,000. Typical APR 15.4%
Norton Finance Norton Finance
10.4% Price for Risk Home Owner Loans for homeowners. Fixed for loan term available. Typical APR 17.9%
Ocean Finance Ocean Finance
11.9% Price for Risk Home Owner Loans for homeowners. Fixed for loan term available. Typical APR 17.9%

Tim Moss says: " An unsecured personal loan can be a good way to consolidate multiple debts into one loan giving you the chance to get your finances back in order ... Learn More

Provider APR   Comments Apply
Tesco Tesco
7.7% Price for Risk For loans of £7,500 - £14,999. Limited Offer. Typical APR 7.7%
Sainsbury's Personal Loan Sainsbury's Personal Loan
7.8% Price for Risk Earn Double Nectar points on Sainsbury's shopping for 2 years. Typical APR 7.8%.
Santander Santander
7.9% Price for Risk For loans of £7,500 - £14,950. Apply online for a quick decision. Typical APR 7.9%
FLM Loans FLM Loans
42.6% Price for Risk £500-£3,000. Will accept anyone with friend or family homeowner guarantor. Typical APR 42.6%
Aspire Money Aspire Money
53.9% Price for Risk For loan terms of 24 to 60 months. Typical APR 53.9%

Debt Solutions

Tim Moss says: "Unexpected expenses can hit even those who keep a tight grip on their finances - if something goes wrong in the home, a family member needs support or you receive a larger than expected bill you might require cash to help you get by until your next wage slip. This is where a payday loan (also known as a 'short term loan' or 'cash advance') can help, offering a suitable sum of money to help you get by.

The premise behind a payday loan is simple - whatever you need cash for, you can take out a loan (usually ranging from £80 to £800 but sometimes up to £1,000 depending on the provider) that is repayable on your next payday, whether it is 31 days away or less.

It is called a 'payday' loan because the concept is that borrowers take out the loan to plug the gap until their payday. However, it is not necessary to use the loan for this purpose and effectively the cash can be used at your discretion as long as it is paid back with interest during the short loan term."

Dealing with Debt problems

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Read our guide to dealing with debt problems written by Nick Lord, an independent expert with 20 years experience in debt advice. Examine the possible solutions to help you rediscover financial stability.

IVA

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Read our quick guide to individual voluntary arrangements (IVA) to help understand how IVAs work and who they are right for.

Debt Management Plans

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Read our guide to debt management plans to understand how they work and who they are right for.

  • Question Marks

    Need further debt advice?

    If you need further debt advice, there are 'not-for-profit' organisations that can offer support and debt help if you find that you still don't know where to turn after reading our debt guides. For additional debt advice:

    Citizen's Advice Bureau
    Samaritans

  • Briefcase

    Debt Solution Case Studies

    This section, written by Nick Lord, highlights 3 scenarios of people in debt and discusses which of the four possible solutions would be best. These case studies can be used to further illustrate which debt solution could be right for you.

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    The latest news and products with Rate Alert

    If you have debt or credit problems, getting all aspects of your finances on track can help you regain control. Register for our weekly Rate Alert email and you'll receive the latest financial information from our experts in money, travel, insurance and more. Sign up now and receive a £20 Virgin wine voucher!

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