Halifax Debt Consolidation Loan
Halifax
Est. APR
3.9–29.9%
Amount
£1k–£50k
Borrowers who want a well-known high-street brand with competitive rates for consolidating medium to large debts.
ConsolidationWhat do you need the money for?
Pick your reason. We'll show you the best options — rates, terms, and lenders compared.
Emergency & Fast Cash
Same-day funding, bad credit options, payday alternatives
Compare options →
Home & Renovation
Mortgages, home equity, renovation financing, refinance
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Auto Financing
New and used auto loans, refinancing, bad credit car finance
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Business Financing
SBA loans, lines of credit, startup funding, business expansion
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Soft-check prequalification
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Funding Circle Business Loans
Funding Circle
Est. APR
6.9–29.9%
Amount
£10k–£500k
72–72 month terms
It's ideal for small to medium-sized enterprises seeking funding between £10,000 and £500,000, especially those needing a fast decision.
Business
Together Money BTL Mortgage
Together Money
Est. APR
—
Landlords with complex income or non-standard properties who struggle with mainstream lender criteria.
Mortgage
Lending Stream Short-Term Loan
Lending Stream
Est. APR
99.9–1333.0%
Amount
£50–£1.5k
3–6 month terms
Individuals with low credit scores needing quick financial relief for unexpected expenses.
Short-Term
Ocean Finance Personal Loan
Ocean Finance
Est. APR
24.9–69.9%
Amount
£1k–£5k
12–60 month terms
This loan is best for individuals seeking quick access to funds, especially those with lower credit scores.
Personal
MotoNovo Finance
MotoNovo Finance
Est. APR
5.9–24.9%
Amount
£4k–£75k
12–60 month terms
Best for individuals seeking a reliable motor finance lender with a wide dealer network and competitive rates.
Auto
Creditspring Credit Builder Loan
Creditspring
Est. APR
—
People with poor or thin credit files who want to rebuild their score through regular, affordable repayments.
Credit BuilderEst. APR
3.3–21.9%
Amount
£1k–£30k
HSBC customers who want a straightforward consolidation loan with longer repayment terms and free overpayments.
Consolidation
iwoca Business Loans
iwoca
Est. APR
18.0–49.9%
Amount
£1k–£500k
1–24 month terms
These loans are best for businesses looking for quick access to funds without lengthy application processes and those that prefer a revenue-based assessment.
BusinessFoundation Home Loans BTL Mortgage
Foundation Home Loans
Est. APR
—
Professional landlords with complex property portfolios needing specialist underwriting through a broker
Mortgage
Lloyds Bank Personal Loan
Lloyds Bank
Est. APR
3.9–24.9%
Amount
£1k–£50k
12–60 month terms
Individuals with a strong credit history seeking a personal loan for home improvements or debt consolidation.
Personal
Black Horse Car Finance
Black Horse
Est. APR
4.9–19.9%
Amount
£4k–£100k
12–60 month terms
It's ideal for UK residents seeking flexible car finance options with quick dealership approvals.
Auto
Loqbox Credit Builder
Loqbox
Est. APR
—
Anyone starting from scratch or rebuilding credit who wants to build savings at the same time.
Credit BuilderLloyds Bank Debt Consolidation Loan
Lloyds Bank
Est. APR
3.9–29.9%
Amount
£1k–£50k
Borrowers looking for a trusted high-street name with competitive rates and the ability to consolidate large amounts of debt.
ConsolidationWest One Loans BTL Mortgage
West One Loans
Est. APR
—
Landlords needing higher leverage or complex BTL structures, especially portfolio landlords and limited companies
MortgageZopa Personal Loan
Zopa
Est. APR
5.9–34.9%
Amount
£1k–£35k
12–60 month terms
Individuals with a fair credit score seeking a personal loan for debt consolidation or large purchases.
Personal
Oodle Car Finance
Oodle Car Finance
Est. APR
7.9–29.9%
Amount
£3k–£50k
24–60 month terms
This service is ideal for UK residents seeking flexible payment options on used cars, especially those who prefer a soft credit check.
Auto
Wollit Credit Builder
Wollit
Est. APR
—
Renters who want to turn their existing rent payments into credit-building activity without any lifestyle changes.
Credit BuilderNatWest Debt Consolidation Loan
NatWest
Est. APR
3.9–29.9%
Amount
£1k–£50k
Borrowers with good credit who need to consolidate substantial debts at a competitive rate from a trusted high-street bank.
ConsolidationAldermore BTL Mortgage
Aldermore
Est. APR
—
Landlords who don't fit mainstream criteria and need a flexible challenger bank approach
MortgageLatest from the blog
Lending Stream Short-Term Loan: A Last Resort Option
With APRs from 99.9% to a staggering 1271%, Lending Stream is only for emergencies. Borrow up to £1,500, but be wary of the high costs.
Halifax Personal Loan: Reliable Rates, Few Surprises
Halifax offers personal loans with APRs from 3.9% to 24.9%. Ideal for UK residents with high credit scores seeking up to £50,000.
Nationwide Personal Loan: Fair Rates, Member-Only Access
Nationwide offers personal loans with rates as low as 5.5% APR. Membership required but easy to obtain.