Build your financial future

Build your financial future

Combine all of your debts into one seamless monthly repayment.

Our consolidation loans are here to help you take control of your finances.

Tell us how much you want to borrow and once your loan is approved, we'll send the money direct to your existing creditors.

Unlike most other lenders, we don't rely on computers to make our lending decisions. Each loan is personally assessed by one of our team to ensure repayments are affordable. 

Once you become a member, apply for a Consolidation Loan in app, online or by phone. 

Debt Consolidation

Unsure where to start? Enter the sum of your existing debts into our calculator and see how much you could save with our Consolidation Loan. Borrow between £3000 and £25,000 with fixed monthly repayments over a term of up to 7 years.

Please enter an amount


Loan amount



Loan term Monthly repayment Total repayment
Join now

Loans are only available to qualifying members aged 18 and over and you must save at least £10 a month in addition to your loan repayment. All loans are subject to you meeting our lending criteria and other terms and conditions apply.

Loading results

How to apply

Why borrow with us?

Our loans are exclusively available for our members. You must be aged 18 and over and save a minimum of £10 per month to your Member Savings in addition to your loan repayment. 

Benefits of borrowing with us include competitive interest rates, no repayment fees and fixed repayment structure. 

All of our loans are subject to status and meeting our lending criteria, and in some cases, we may need you to provide us with more information so we can make a decision.

If you have difficulty repaying your loan, our Financial Wellbeing Hub explains some of the options available to you.

  • Flexible loan amounts

    Depending on your requirements, borrow between £500 and £25,000. Eligibility criteria applies.

  • Competitive interest rates

    We offer transparent and competitive market rates, which won’t increase after application.

  • Fixed repayment structure.

    Choose your loan repayments over a flexible term

  • No early repayment fees

    If you wish to pay off your loan early, you won’t be charged early repayment fees.

Frequently Asked Questions