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Consolidation Loans

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Loan Decline is one of the UK largest loan brokers and largest providers of Consolidation Loans and we try and help any one in any financial situation to get a loan, so don’t worry if you have previously had a loan declined (refused a loan).

Need a Consolidation Loan? - Want to consolidate debts? - Dont want to pay high consolidation loan reates?

We use a large network of consolidation loan providers to source the best deals , this means that we are able to search the market on your behalf and find you the lowest rate loan possible. It doesn't matter if you have an excellent credit rating or a poor credit rating, our panel of lenders will be able to find you a loan.

  • Consolidation LoanComplete our quick and easy application form
  • Refused a LoanWe will find the best deal for you
  • Consolidation LoanOne of our experts will then call you back in 1 hour
  • Debt Consolidation LoanNo upfront fees, no fuss, just quick and easy loans

Call our loan helpline now on 0845 519 6093 or

Consolidation Loan Consolidation Loan

We use a large network of loan providers to source the best deals , this means that we are able to search the market on your behalf and find you the lowest rate loan possible. It doesn't matter if you have an excellent credit rating or a poor credit rating, our panel of lenders will be able to find you a loan.

We can normally help to provide a loan to anyone in any situation, even if you have a poor credit rating. And have already been refused a loan. We can help with any type of loan from Personal Loans, Bad Credit Loans, Consolidation Loans to Secured Loans even people that have been refused a loan.

Can I get a Consolidation Loan?

There are a number of things that you should consider before applying for a loan:

  • Consolidation LoanWhilst you are reducing your repayments and thus your overall debt, you are still borrowing money and must be sure you can afford the repayments.
  • Refused a LoanYou must still look to change the habits that got you into debt in the first place, whether overspending, over borrowing, or lack of discipline. If you fail to do this, next time you come to look at your finances you will find a loan is no longer an option and you will have to look to more radical debt management alternatives such as an IVA or bankruptcy.
  • Consolidation LoanLoan rates vary. Be sure to use a comparison service that compares the rates of different lenders to make sure you get the best Annual Percentage Rate (APR) available.
  • Consolidation LoanLending is not at the peak it was in 2006. It may be possible that you are declined the loan (Refused a Loan) and have to look into other options.
  • Consolidation LoanEven if you are accepted for the loan, it may be that on further reading you decide that one of the aforementioned debt management services suit you better. This would be the case if you were worried about keeping your loan repayments or if the level of your debt was not even manageable with a loan.
  • Consolidation LoanHow secure is your job? In today's economic climate, no ones job is as secure as it used to be. Make sure that you know the options you have available should you be made redundant or become unable to work. You can also consider employment insurance to account for this.

Although we can help with any type of loan there more popular loan arranged by out loan providers are consolidation and debt consolidation loans so we have become the experts in this area

What is a Consolidation Loan?

A Consolidation Loan may be a viable option for many people who feel they need help clearing their debt. And combining your payments into one low monthly amount could seem appealing.

Consolidation loans allow you to consolidate your outstanding debts into one manageable loan. This fixed monthly payment normally offers a lower interest rate, which effectively lowers your monthly repayments..

A Consolidation loans is most likely a secured loan. Although an unsecured consolidation loans is possible, but the interest rates would be much higher.

There are numerous things one needs to consider before opting for a secured consolidation loans. Firstly, taking out a secured loan against your house is always risky. Be 100% that you are able to obediently make your monthly payments before signing on the dotted line or your home is at stake.

There are other debt consolidation options available that will allow you to consolidate all existing debts into one monthly manageable payment without taking on a further loans or credit such as Debt Management, IVA and Trust Deeds.

Consolidation Loan Common Questions

Do I need a good credit rating to apply for a consolidation loan?

The problem with a consolidation loan is that you will need a good credit rating. consolidation loan are offered to people with bad credit but you will have to have demonstrated an ability to both afford and have the discipline to repay a consolidation loan. If you have a bad credit rating then maybe the option of a debt management plan, IVA or Bankruptcy would be more beneficial.

What kind of rate should I expect?

Consolidation loan rates will vary from lender to lender and will largely depend on your credit rating and financial health. Obviously, if your credit rating is not up to scratch, you will represent more of a risk to lenders and that will be reflected in the Annual Percentage Rate (APR) on your loan.

How fast can I get debt free with a consolidation loan?

This greatly depends on the size of your loan and the term length. The higher your monthly payment, the sooner you can pay off your loan. This will also save you money by not incurring as much interest.

Do I have to own a house to get a consolidation loan?

No. You can get an unsecured consolidation loan even if you don't own property or if you don't want to borrow against your home. If you choose that path you will likely pay higher interest rates than with that of a secured loan.

What is the difference between consolidation mortgages and consolidation loans?

When you get a consolidation mortgage you will end up taking out a new mortgage that is big enough to pay off your unsecured debts and your mortgage. This means you will end up only having one payment to make each month. A consolidation loan has nothing to do with your mortgage and you will just be borrowing enough to pay off your unsecured debts.?

Will creditor harassment stop when I get a debt consolidation loan?

Yes. After you get a consolidation loan you may get calls for a short period of time but you can direct those calls to the consolidation loan company to deal with. This will end any creditor harassment that you have been experiencing.

Can I contribute extra money to my consolidation repayment?

You can contribute as much as you want and it is recommended that you try to pay it back as soon as you can, as the interest you are paying will add up over time. Even a small extra amount will save you money in the long run.

Is a consolidation loan my only debt solution?

No a consolidation loan is not the onlu option there are other alternatives available such as Debt Management Plans, Individual Voluntary Arrangements (IVA), a Protected Trust Deed for Scottish residence and Bankruptcy.

Also have a look at our Bad Credit Loan, Poor Credit Loan and Refused a Loan pages.

How do I apply for a consolidation loan?

That's an easy question to answer. All you need to do to apply for a loan with loan decline is to either call our consolidation loan helpline on: 0845 519 6093 and speak to one of our loan advisors or complete our online application and one of our loan advisors will get back within the our to process the application.

If in the unlikely event we can not find a loan for you we do offer other services like a Debt Management Plan, IVA and Bankruptcy

Consolidation Loan Consolidation Loan