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Debt Consolidation Loans

Consolidate Your Debts Into One Simple Payment

Managing multiple monthly repayments can be stressful and expensive. We'll search our lender panel to find the right secured loan for your situation, whatever your credit history.

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Representative example: Borrowing £10,000 over 36 months at 8.21% APR. Monthly repayments of £314.33. Total repayable £11,316.00. Think carefully before securing debts against your home.
FCA Authorised Regulated broker
£10k to £1M Loan range
10+ Lenders On our panel
No Upfront Fees Pay nothing until completion
All Credit Scores Considered

See what consolidation could look like

Here's a typical example of how a debt consolidation loan could simplify your finances and reduce what you pay each month. Figures are for illustrative purposes only.

Before: 6 separate payments
Credit card 1 £180/mo
Credit card 2 £107/mo
Personal loan £220/mo
Store card £95/mo
Overdraft charges £60/mo
Car finance £185/mo
Total monthly £847/mo
After: 1 secured loan over 10 years
Secured consolidation loan £368/mo

All six debts cleared in full. One lender, one monthly payment, one clear end date.

Total monthly £368/mo
Potential monthly saving
£479/month
Spreading over a longer term may mean you pay more interest overall. Your advisor will show you the full picture before you commit.

Seen enough? Start your eligibility check now — it only takes a few minutes and won't affect your credit score.

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What debts can I consolidate?

If you're not sure whether your debts qualify, don't worry — most do. A secured consolidation loan can be used to pay off almost any form of consumer debt, including:

Credit cards
Personal loans
Store cards
Overdrafts
Car finance
Payday loans
Catalogues
HMRC debts
Other secured loans

Could debt consolidation be right for you?

It could be a smart option if any of the following apply:

  • You're paying high interest across multiple credit cards or loans
  • You struggle to keep track of different payment dates each month
  • You want to reduce your total monthly outgoings
  • You've been turned down for unsecured borrowing due to your credit history
  • You want a fixed, clear end date to your debt

How it works

1

Tell us what you need

Complete our short online form. It takes a few minutes and won't affect your credit score.

2

We find your options

Your dedicated advisor will search our lender panel to find the most suitable options for you.

3

Receive your funds

Once approved, funds are released and your existing debts can be cleared in one go.

Why choose Hillview Finance?

FCA authorised broker

We're fully regulated, so you're protected throughout the process.

All credit scores considered

We've helped customers who've been turned down elsewhere.

No upfront fees

You won't pay us anything until your loan successfully completes.

Personal service

A dedicated advisor available via phone, email or WhatsApp.

Common questions

Will applying affect my credit score?

No. Our initial eligibility check uses a soft credit search, which is only visible to you and has no impact on your score. A full credit check only takes place if you choose to proceed with a lender.

Can I still apply if I have bad credit?

Yes. We work with lenders who specialise in complex credit situations, including missed payments, defaults, and CCJs. We consider every application on its own merits.

How long does the process take?

Many of our clients receive an initial decision within hours, with some completions processed in just a few days.

Could I end up paying more overall?

Consolidating debts may reduce your monthly payments, but spreading them over a longer term could mean you pay more in total interest. Your advisor will always show you the full picture.

What our clients say

SB
Shawn Brighton

Tom kept me in the loop at each stage… Tom kept me in the loop at each stage step by step and clarify things that i was unsure about. I was able to ask questions and got a timely response to help with my decision making. The turn around was quick for all parties involved this includes text messaging, wataps, phone calls and emails. 👍

CC
Cherith Coulter

Tom was excellent very professional… Tom was excellent very professional efficient would totally recommend this company. Was so quick.

JC
JC

Great service all round. Tom was fantastic, start to finish clear communication and on the ball through whole process. Can’t recommend enough.

AD
Alberto D'angelo

Really very good .Tom was on point and… Really very good .Tom was on point and very clear on providing me with a loan ..very happy and thank you

Read all reviews on Trustpilot →

Ready to get started?

Check your eligibility in minutes. No obligation, no impact on your credit score.

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