How long will it take to set my low cost loan up?

We can usually approve your loan subject to references on the day you apply. You will usually have the money within 14 days for loans under £15,000. Larger loans can be even quicker.

Depending on your credit history, it may take longer to confirm your loan.

How much can I borrow and for how long?

We can find you a low cost loan from £500 to £50,000 with repayment periods from 3 to 25 years.

Actual values vary depending upon the type of loan and your own personal circumstances.

Is it possible to insure my repayments?

For peace of mind all most of our loans have optional insurance cover available to cover your repayments in the event of accident, sickness or unemployment. These policies are offered by the money lender and not ourselves. However, we will be happy to advise you on various payment protection policies.

What type of loans are available to me?

We specialise in secured debt consolidation loans and bad credit debt consolidation loans. However, we can provide loans for all purposes.

In general a secured loan will have lower interest rates and more favourable terms than an unsecured or personal loan. If you are consolidating a large amount of debt, we recommend taking out a secured debt consolidation loan. Some bad credit consolidation loans can only be taken out if secured on property.

Interest rates will vary depending upon individual circumstances, credit history and the type of loan.

Why should I apply for a loan through you?

We are an experience loan broker with strong relationships to many of the UK's biggest and best financial companies and money lenders. We also specialise in finding low cost loans for people with bad credit - something we can do because our database contains companies sympathetic towards borrowers with a poor credit history.

All our quotes are supplied with no obligation. You are free to walk away and look for a better quote if you feel you can.

In addition, Bad Debt Consolidation Loans will never charge a fee for either quoting for or signing a loan through us. We only make money by taking a small percentage from the loan company when a loan is signed. The customer doesn't have to pay us anything.