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

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All our partners are members of DEMSA whose Code of Conduct is approved by the Trading Standards Institute. Their advice is completely confidential.

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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 completely confidential. Learn More

Provider Key Benefits Apply
Debt Advisory Centre
We can help you turn your loans, credit cards, store cards and overdrafts into one affordable monthly repayment. If you’re looking to get your finances back on track this could be the solution for you. Contact us at The Debt Advisory Centre today to discuss a clear and affordable way to become debt free.
Baines and Ernst
Baines & Ernst help people beat debt by negotiating with your lenders to agree a lower more affordable repayment plan. They will also request that interest and charges are frozen and in 88% of cases they achieve this. Baines & Ernst will take over all dealing with your lenders so you can get on with living your life. So far, they have helped over 140,000 customers; see if they can help you too.
Debt Advisory Line
As Debt Management Team of the Year 2012, Debt Advisory Line offers confidential debt advice for people with debt problems across the UK. Debt Advisory Line will review your finances, try to negotiate with your creditors and provide a solution tailored to your individual needs. They help thousands of people manage their debts. No-obligation professional, ethical and transparent debt services.
MoneyPlus Group
The aim of the MoneyPlus Group is simple – to provide customers with honest debt advice in plain English. They are committed to the very highest standards to be found in the sector and as such are founder members of DEMSA and adhere to the TSI code of conduct, they are also one of the first debt management companies to receive Debt Management Plan Protocol approval.

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. has the lowest secured loan rate available in the UK - exclusive to our users ... Learn More

Provider APR   Comments Apply
Fluent Money Fluent Money
5.9% Price for Risk Home Owner

EXCLUSIVE HOMEOWNER LOAN. Loans from £10,000 - £15,000.

Typical APR of 14.3% variable

Norton Finance Norton Finance
6.9% Price for Risk Home Owner

Loans for homeowners. Fixed for loan term available.

Typical APR of 17.9% variable

The Loans Engine The Loans Engine
5.4% Price for Risk Home Owner

CHEAPEST Homeowner Loan in the UK for loans from £7,500. Fixed rates available.

Typical APR of 14.3% variable

Dealing with Debt problems


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.



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

Debt Management Plans


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

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    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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    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! Limited is an appointed representative of Financial Group Limited, which is authorised and regulated by the Financial Services Authority (FSA FRN 303190). Financial Group Limited, registered in England No. 3157344. Registered Office: moneysupermarket House, St. David’s Park, Ewloe, CH5 3UZ. Telephone 01244 665700.