It can be difficult to keep track of repayments if you're juggling several debts at once. Debt consolidation could be the answer and allow you to reduce the amount you pay each month. Use our debt consolidation tool to see if this option is right for you.

Read our secured (homeowner) loan guide to find out how they work and the pros and cons so you can be sure you're making the right decision.

If you've been turned down for a loan or credit card then it's possible you have a poor credit rating and reapplying will only further harm your credit score. However, there is a solution and our refused credit section will explain the possible reasons why you've been turned down, the importance of credit scoring, how you can get a copy of your credit profile and what you can do to boost your rating. We can also put you in touch with lenders who offer products for your circumstances.

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