Compare Unsecured Debt Consolidation Loans

Compare the best unsecured debt consolidation loans in the UK side by side & find the cheapest unsecured personal loan rates available to you in minutes. We make it easy to find the best unsecure loan to clear debts so that you don't pay more than you need to when you use an unsecured consolidation loan to get control of your borrowing.
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Debt Consolidation
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LoanTermHeadline Representative 
TypeMinimumMaximumMinimumMaximumAPRLoan Amount 
Promoted Results
Zopa
Personal Loan
Unsecured£1,000£15,000
3
years
5
years
6.08%£1,000 to £1,099
Representative Example: The representative APR is 7.84% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.84% p.a. (fixed)Arrangement fee £130,
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (4-5 Yrs)
Unsecured£7,500£15,000
4
years
5
years
6.1%£7,500 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £236.88 per month & £11,370.24 in total.
Loan available to Sainsbury's shoppers with Nectar Card.
HSBC
Personal Loan
Unsecured£7,000£25,000
1
year
8
years
6.2%£7,000 to £15,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
HSBC Personal Loans are only available to existing HSBC current account customers.
Alliance and Leicester
 
Loan (Semi-Exclusive)
Unsecured£1,000£20,000
1
year
5
years
6.3%£7,500 to £14,950
Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.
Nationwide
Personal Loan
Unsecured£7,500£25,000
1
year
5
years
6.4%£7,500 to £14,950
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £235.86 per month & £11,321.28 in total.
Sainsbury's Finance
 
Sainsbury's Standard Small Loan (4-5 Yrs)
Unsecured£1,000£7,499
4
years
5
years
7.9%£5,000 to £7,499
Representative Example: The representative APR is 7.9% (fixed) at a rate of 7.9% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
Sainsbury's Finance
 
Sainsbury's Standard Large Loan (4+ Yrs)
Unsecured£15,001£25,000
4
years
7
years
8.1%£15,001 to £25,000
Representative Example: The representative APR is 8.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.1% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
NatWest
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
8.9%£7,500 to £14,950
Representative Example: The representative APR is 8.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.9% p.a. (fixed) you will repay £246.77 per month & £11,844.96 in total.
Existing customers only.
RBS
Internet Loan (Existing Customers)
Unsecured£1,000£25,000
1
year
7
years
8.9%£7,500 to £14,950
Representative Example: The representative APR is 8.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.9% p.a. (fixed) you will repay £246.77 per month & £11,844.96 in total.
Loan available to RBS customers only.
Zopa
Young (20-25)
Unsecured£1,000£15,000
3
years
5
years
9.16%£1,000 to £1,099
Representative Example: The representative APR is 10.54% (fixed) so if you borrow £10,000 over 4 years at a rate of 10.54% p.a. (fixed)Arrangement fee £190,
Guarantor Loans Online
 
Guarantor Loans Online
Unsecured£1,000£5,000
1
year
5
years
53.8%£1,000 to £5,000
Representative Example: The representative APR is 53.8% (fixed) so if you borrow £5,000 over 2 years at a rate of 53.8% p.a. (fixed) you will repay £316.43 per month & £7,594.32 in total.
Guarantor Loans Online is a specialist, no fee guarantor loan provider. All bad credit considered. Please only apply if you have a homeowner guarantor to support your application.
Provident Personal Credit
 
Provident Loan (Cash)
Unsecured£50£500
6
months
13
months
272.2%£50 to £500
Representative Example: The representative APR is 272.2% (fixed) at a rate of 272.2% p.a. (fixed)
Pounds to Pocket
 
Pounds to Pocket
Unsecured£200£2,000
1
year
1
year
278%£200 to £2,000
Representative example: The representative APR is 278% so if you borrow £500 over 1 year at a rate of 140% you will repay £79.09 per month and £949.01 in total.
Full Results
M&S
Personal Loan (Internet)
Unsecured£1,000£25,000
1
year
7
years
6%£7,500 to £15,000
Representative Example: The representative APR is 6% (fixed) so if you borrow £10,000 over 4 years at a rate of 6% p.a. (fixed) you will repay £234.11 per month & £11,237.28 in total.
Tesco Bank
Tesco Personal Loan (Existing Customers)
Unsecured£3,000£25,000
1
year
10
years
6%£7,500 to £14,999
Representative Example: The representative APR is 6% (fixed) so if you borrow £10,000 over 4 years at a rate of 6% p.a. (fixed) you will repay £234.12 per month & £11,237.76 in total.
Loan available to existing customers only.
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (1-3 Yrs)
Unsecured£7,500£15,000
1
year
3
years
6%£7,500 to £15,000
Representative Example: The representative APR is 6% (fixed) at a rate of 6% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
Zopa
Personal Loan
Unsecured£1,000£15,000
3
years
5
years
6.08%£1,000 to £1,099
Representative Example: The representative APR is 7.84% (fixed) so if you borrow £10,000 over 4 years at a rate of 7.84% p.a. (fixed)Arrangement fee £130,
Sainsbury's Finance
 
Sainsbury's Standard Medium Loan (4-5 Yrs)
Unsecured£7,500£15,000
4
years
5
years
6.1%£7,500 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £236.88 per month & £11,370.24 in total.
Loan available to Sainsbury's shoppers with Nectar Card.
First Direct
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
6.1%£7,000 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.
Available to existing First Direct customers only.
Tesco Bank
Tesco Personal Loan
Unsecured£3,000£25,000
1
year
10
years
6.1%£7,500 to £14,999
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.55 per month & £11,258.40 in total.
HSBC
Premier Loan
Unsecured£7,000£25,000
1
year
8
years
6.1%£7,000 to £15,000
Representative Example: The representative APR is 6.1% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.1% p.a. (fixed) you will repay £234.56 per month & £11,258.88 in total.
HSBC premier personal loan is for HSBC Premier current account holders only.
HSBC
Personal Loan
Unsecured£7,000£25,000
1
year
8
years
6.2%£7,000 to £15,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
HSBC Personal Loans are only available to existing HSBC current account customers.
Barclays
Barclayloan Plus (£3K+ Min Credit)
Unsecured£10,000£25,000
2
years
5
years
6.2%£10,000 to £25,000
Representative Example: The representative APR is 6.2% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.2% p.a. (fixed) you will repay £234.99 per month & £11,279.52 in total.
Only available to Barclays Customers who have held a current account with Barclays for more than 12 months, paid £3,000 or more into their account... more
Alliance and Leicester
 
Loan (Semi-Exclusive)
Unsecured£1,000£20,000
1
year
5
years
6.3%£7,500 to £14,950
Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.
Nationwide
Personal Loan
Unsecured£7,500£25,000
1
year
5
years
6.4%£7,500 to £14,950
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £235.86 per month & £11,321.28 in total.
Clydesdale Bank
Clydesdale Personal Loan
Unsecured£1,000£25,000
1
year
7
years
6.4%£7,500 to £25,000
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £236.08 per month & £11,331.84 in total.
A Clydesdale Bank current account is required before applying.
Yorkshire Bank
Personal Loan
Unsecured£1,000£25,000
1
year
7
years
6.4%£7,500 to £25,000
Representative Example: The representative APR is 6.4% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.4% p.a. (fixed) you will repay £236.08 per month & £11,331.84 in total.
Yorkshire Bank current account required before applying.
Sainsbury's Finance
 
Sainsbury's Shopper Reward Med Loan (1-3 Yrs)
Unsecured£7,500£15,000
1
year
3
years
6.8%£7,500 to £15,000
Representative Example: The representative APR is 6.8% (fixed) at a rate of 6.8% p.a. (fixed)
Loan available to Sainsbury's shoppers with Nectar Card.
Santander
Personal Loan
Unsecured£1,000£20,000
1
year
5
years
6.9%£7,500 to £10,000
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £242.38 per month & £11,634.24 in total.
Santander
Personal Loan (Semi-Exclusive)
Unsecured£1,000£20,000
1
year
5
years
6.9%£7,500 to £14,950
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £238.03 per month & £11,425.44 in total.
The Co-operative Bank
 
The Co-op Personal Loan (Privilege&Premier CA)
Unsecured£2,000£25,000
1
year
7
years
6.9%£7,500 to £14,950
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £242.38 per month & £11,634.24 in total.
Loan available to Co-op Privilege and Privilege Premier Current Account customers.
Sainsbury's Finance
 
Sainsbury's Shopper Reward Med Loan (4-5 Yrs)
Unsecured£7,500£15,000
4
years
5
years
6.9%£7,500 to £15,000
Representative Example: The representative APR is 6.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.9% p.a. (fixed) you will repay £240.69 per month & £11,553.12 in total.
Loan available to Sainsbury's shoppers with Nectar Card.
Nationwide
Personal Loan (Existing Customers)
Unsecured£7,500£25,000
1
year
5
years
7.2%£7,500 to £14,999
Representative Example: The representative APR is 6.3% (fixed) so if you borrow £10,000 over 4 years at a rate of 6.3% p.a. (fixed) you will repay £235.42 per month & £11,300.16 in total.
Flexclusive Personal Loan deal- exclusively available to Nationwide new and existing FlexAccount debit card customers (excluding cash card+) who are... more
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Terms & Conditions
Good info for the beginner
Sunaina M

How To Find The Best Debt Consolidation Loans

A debt consolidation loan gives you a means of paying your debts off with a single manageable monthly repayment rather than having to pay off numerous different debts each month with several different payments.

The basic idea is that you use debt consolidation loans to clear other more expensive debts before you incur additional charges and interest.

You can usually use them to clear multiple credit cards, loans and overdrafts and move them to a single loan with a single provider.

So providing you find a low interest debt consolidation loan, they can prove a useful tool in both cutting the interest rate you pay and the number of monthly payments that you have to deal with.

When you're consolidating loans you'll need to specify the amount you need to borrow and the number of months you choose to spread your loan repayments over.

It's best to spread your borrowing over as short a period as you can comfortably afford as this will minimise the amount you'll pay in interest overall.

If you spread your consolidation loan payments over a longer period than your current debts are scheduled to run over, clearing the balance could actually cost you more in the long run.

Unsecured consolidation loans are generally preferable as they do not require you to put up your home as security for the lender as a guarantee that you will meet your repayment. Of course, they're also more widely available as you can apply even if you don't have property in your name.

However, if you have a reasonable credit rating then it's worth looking at whether a 0% balance transfer credit card could provide a cheaper and more flexible solution.

These would enable you to repay your loans as and when you had the money available and, other than a balance transfer fee of around 2 - 3%, won't charge you any interest for a certain number of months.

You will need to be confident that you could either repay your debt in its entirety by the end of the 0% balance transfer offer or be willing to make another balance transfer in order for this to be a workable option. If you don't do this you could end up paying out a significant amount in interest repayments.

The problem that many find is that getting into debt is a vicious circle. The more debt you get into, the harder it is to get a loan to pay off these debts.

However, with a debt consolidation loan bad credit is not always a prohibitive factor as you should still be able to borrow through this channel.

Guarantor debt consolidation loans are available and secured debt consolidation loans are always an option if you're not eligible for unsecured debt consolidation loans. However, this would mean your home would be at risk if you couldn't keep up with the repayments.

Loans for debt consolidation can be a useful way to merge multiple expensive debts into a single cheaper loan. However, this is only the case if you compare your options and choose the loan that works out cheapest for your individual circumstances.

There is plenty of choice when it comes to getting an unsecured debt consolidation loan and the best way of analysing your options is to compare the various options, their benefits and their terms and conditions.

Being in debt can be difficult whether it is a debt of your own causing or otherwise. And, if you're really struggling with your debt repayments, then taking out a debt consolidation loan may not necessarily be the best course of action.

If you're unable to keep up with your current debt repayments then getting debt advice from a not-for-profit organisations that provides assistance and support for individuals struggling with significant debt is likely to be a better option.

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