Combine multiple debts into a single payment. Lower your interest rates from 6.9% APR and take control of your financial future.
Simplify your debt, reduce stress, and save money with our flexible consolidation options
Reduce your overall interest and save money with rates starting from just 6.9% APR
Simplify your finances with one manageable payment instead of juggling multiple bills
Know exactly when you'll be debt-free with clear repayment schedules from 1 to 10 years
A simple process to help you regain control of your finances
Calculate your total debt amount across credit cards, personal loans, and other outstanding balances.
Complete our simple online application and receive a personalized consolidation plan within 24 hours.
We'll help you pay off your existing creditors, simplifying your multiple debts into one manageable loan.
Enjoy the simplicity of a single monthly payment, typically with a lower overall interest rate.
Our comprehensive debt consolidation solutions can help with various types of debt
Escape high-interest credit card balances by consolidating them into a single lower-rate loan
Combine multiple personal loans into one loan with potentially better terms and rates
Consolidate high-interest retail and store card debt into a more manageable payment plan
Transform unpredictable medical expenses into a structured repayment plan with clearer terms
Consolidate private student loans to potentially secure better rates and simplified repayment
Escape the cycle of high-interest payday loans with a more affordable consolidation solution
Transparent pricing and flexible terms to meet your financial needs
| Loan Feature | Details |
|---|---|
| Loan Amount | £1,000 - £50,000 |
| Interest Rate | From 6.9% APR (Representative example) |
| Loan Term | 1 - 10 years |
| Decision Time | Within 48 hours |
| Minimum Credit Score | 560 or above |
| Fees | No arrangement fees, no early repayment penalties |
*Representative Example: Consolidating £15,000 of debt at 6.9% APR over 5 years would mean monthly repayments of £296.09, with a total repayment of £17,765.40
Check Your RateReal customers who transformed their finances with our debt consolidation solutions
"I was juggling 5 credit cards with interest rates as high as 22%. Integra's debt consolidation loan reduced my rate to 7.2%, saving me over £350 a month and giving me peace of mind with just one payment to manage."
Consolidated £18,500 of credit card debt
"After my divorce, I was left with a mix of joint debts and my own credit cards. The stress of tracking multiple payments was overwhelming. Integra helped me consolidate everything, lowered my total monthly payment, and helped me rebuild my financial independence."
Consolidated £24,000 of mixed debts
"Despite having a good job, I found myself struggling with payday loans and store cards after some unexpected medical bills. Integra not only helped me consolidate everything at a much better rate, but also provided financial education to help me stay debt-free in the future."
Consolidated £12,000 of mixed high-interest debt
Get answers to common questions about our debt consolidation solutions
Debt consolidation combines multiple debts into a single loan, usually with a lower interest rate. We pay off your existing creditors, and you make one simplified monthly payment to us. This can lower your overall monthly payment, reduce total interest paid, and help you become debt-free faster.
Initially, there may be a small temporary dip in your credit score due to the credit inquiry. However, as you make consistent payments on your consolidation loan and reduce your overall debt, your credit score typically improves over time. Many customers see credit score improvements within 6-12 months.
You can consolidate most unsecured debts, including credit cards, store cards, personal loans, medical bills, private student loans, and payday loans. Secured debts like mortgages and auto loans typically cannot be included in a debt consolidation loan.
Basic eligibility includes being at least 18 years old, having a minimum credit score of 560, and demonstrating sufficient income to make the consolidated payments. We look at your overall financial picture, not just credit score, to determine eligibility and rates.
We pride ourselves on transparent pricing with no hidden fees. There are no arrangement fees for our debt consolidation loans, and you can make early repayments without penalty. Your interest rate is clearly stated upfront, with no surprise charges.
Check your rate in minutes with no impact on your credit score.
