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Pay Off Your Personal Loans With Bad Credit

We can help you pay off a personal loan even if you have bad credit.

  • We can provide loans from £5,000 - £75,000
  • We consider everyone, even with bad credit
  • Get the money paid straight into your account

When our Consolidation Express customers approach us, they owe on average £9,747*. Most people hold debt of some kind. We can help you to consolidate debts and pay back personal loans. Fill in an application today to see how we can help.

Apply Now

*Average debt level between November 2021 and July 2022 for customers is £9,747.85.

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Types of debt that we can help consolidate:

Store Cards

Credit Cards

Payday Loans

Short-term or Quick Loans

Utility Arrears

Phone Arrears

What is a personal loan?

A personal loan is a one-off unsecured loan. You agree to borrow a certain amount of money and pay it back within a specified time.

Pay off today, fewer problems later

Missing a payment on a personal loan, whether secured or unsecured, could result in a penalty fee on top of additional interest. In short, missing payments means you’ll be paying back more money overall. A debt consolidation loan means you could pay off your personal loans, today!

Bad Credit? We help people like you

We consider everyone no matter what their credit score is. Our market is helping people with debt problems so we understand you may have low or very bad credit. We will always try our best to help.

Why Choose Us?

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One affordable payment

Focus on only one monthly payment.

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Bad credit?

No problem. We consider all credit scores - even bad ones!

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Expert advice

We are experts in debt solutions.

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No upfront fees

No hidden upfront fees to worry about.

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Tailored for you

Real rates tailored just for you.

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Quick application

Our online application only takes minutes to fill out. Start now >

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APRs from 5.8% to 89.9%

We are a broker, not a lender.

Unsecured Loan Representative 69.9% APR

Borrowing £7,500 over 36 months, repaying £502 per month, total repayable £18,083. Total cost of credit £10,583. Interest rate 69.9% (variable). The lenders on our panel offer loans for 12-60 months, with rates from 5.8% APR to 89.9% APR. The Representative Example is based on all loans paid out by lenders between 19th Apr 2022 and 23rd Dec 2022.

Secured Representative 11.7% APR

If you choose to add fees to the loan: Assumed borrowing of £25,000 over 120 months, plus a broker fee of £2,500 and a lender fee of £250 would result in monthly repayments of £345.55, the borrowing rate is 8.6% (variable), the APRC is 11.7% (variable), total charge for credit £16,466.00 and the total amount payable £41,466.00. You can opt to pay the lender and/or broker fees upfront, your adviser will discuss these options with you.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. All rates vary subject to loan amount, loan type and status. Repaying your debt over a longer period of time may increase the amount you pay.

Why choose a debt consolidation loan to pay off personal loans?

A debt consolidation loan will be an option for you to pay off personal loans, and we consider everyone. This type of borrowing will allow you to pool your debts together into one affordable monthly payment.

Pros and Cons of paying off a personal loan using debt consolidation:

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  • You can consolidate debts from several personal loans.
  • One affordable monthly payment.
  • You may end up paying less per month than you are now.
  • Could improve your credit rating in the long run if you make payments on time


  • Won't immediately improve your credit score.
  • Could take you longer to pay back your personal loans as you're paying back less each month.
  • Only beneficial if you can borrow enough to pay back all your personal loans.

Change your life today

If you’re struggling to pay back personal loans, have bad credit, and live in the UK, we may be able to help. We are on-hand to assist you in turning several repayments into one affordable monthly payment. We understand what it’s like to be turned down because of bad credit, and we’ll always try and help no matter your situation.

Fill in an application today to check your eligibility.

Apply Now

Personal Loans FAQs

A debt consolidation loan will only negatively affect your credit score if you miss repayments. If you’re making your payments on time each month then your credit rating should improve over time!

You can include many types of debt, including the following:

  • Store cards
  • Credit cards
  • Payday loans
  • Short-term or quick loans
  • Utility arrears
  • Phone arrears
  • and more
Please note:

If there is a specific type of credit you are worried about, please speak to an advisor for more details.

This depends on your personal circumstances but consolidation loans typically have a repayment in excess of £75.

There are many different debt solutions available. If you get in touch, one of our advisors will be able to help you find the right option for you.

We work with you to create a repayment plan that’s affordable so this should never happen. But if you’re worried about missing a payment speak to your lender straight away. They may be able to help.