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Debt Consolidation Loans

Take back control with
Novuna Personal Finance


Low rate loans from

3.1 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

Organise your finances with our consolidation loans

  • Unsecured personal loan specialists with 40 years’ experience

  • Easily consolidate debts of £1,000 to £35,000

  • Simple online loan application with a decision in minutes

  • Competitive debt consolidation loan rates from just 3.1% APR

  • Fixed-rate monthly payments on your chosen date

  • No arrangement fees or other hidden charges

  • Voted UK’s Best Personal Loan Provider for the last 8 years

  • Expert financial support from our Customer Service team

What is debt consolidation?

When you have multiple debts, you might find it difficult to determine the best course of action. Debt consolidation is the process of combining all of your individual debts into a single loan, which can help you organise your repayments and alleviate your financial stress.

Over time, you can end up with multiple debts with different lenders from a combination of credit cards, store cards, overdrafts and personal loans. If this happens, you might be feeling overwhelmed when prioritising where and when to make your repayments due to varying interest rates and payment frequency.

Why is debt consolidation a good idea?

Have you ever felt like you're struggling to keep up with your monthly repayments? Confused by multiple debts? Or maybe you're fighting a losing battling against high interest rates which keep adding to your outstanding balance every month?

Consolidating your debts with a loan from us can reduce your monthly payments and offer you some much-needed financial relief. After you've paid off all of your existing debts, you'll only have one payment to make each month. This will allow you to repay the full amount in a more manageable time frame, or at a lower interest rate to put you back in control of your finances.

Try our debt consolidation loan calculator

Work out how much you'd like to borrow, with our debt consolidation loan calculator. The debt consolidation calculator results we display are based on the representative APR for the amount you enter. Your actual rates and repayments might differ and will be based on your personal circumstances, the loan amount and term.

Loan calculator

Choose how to calculate your loan repayments

Our price promise

Representative Example:

Monthly repayment


Interest rate

{value}% APR

Total amount payable


Loan amount


Loan Term

{value} months

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Our price promise

Remember, the rate you are offered may vary due to personal circumstances and loan amount, the majority of our customers receive the advertised rate. However, if you complete an application directly via the Novuna Personal Finance website and are given a higher APR, we guarantee that you'll never pay more than £235.3 per month with our maximum 32.4% APR Representative when you borrow £7,500 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 35.9%*. All loans are subject to status.

*Only for applications carried out directly via the Novuna Personal Finance website

Why choose us for debt consolidation loans?

We understand that managing your debts isn't always easy and we want to help you get your finances back on track. As a company, we treat everyone as individuals and your satisfaction is our number one priority. Use our debt consolidation calculator to see how much you can borrow with us today.

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Award winning loans

We’re serious when it comes to providing a first-rate experience for our customers and this is why we've been voted Best Personal Loans Provider by for the last 8 years running.

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Why do our customers love us?

Customer satisfaction is vital to our success, which is why we’re the only provider to give full visibility of our reviews, updated in real-time, 24 hours a day. Read all reviews

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