Are you a homeowner? Are you looking to reduce your monthly outgoings? Is a large amount of your income taken up by servicing expensive debt? Nationwide debt consolidation may be able to help.
- Get a free valuation of your home
- Up to 90% loan-to-value
- Keep your existing mortgage
- You don’t need to be an existing Nationwide Building Society customer
- No lender or broker fees
- No early repayment charges
- 6.25% fixed for life
- One penalty-free payment holiday per year
Please complete the form below for quick in-principal decisions with no hard credit searches.
Do you owe money all over the place?
If you’re looking for debt consolidation from a direct lender, have no guarantor, have poor credit and need an instant decision, Ravenwood could help you. All loans are unsecured and you don’t need to own or sign away a home. The demand for Debt Consolidation Loans for Bad Credit is high so please complete the form today!
These loans are ideal for people who want to borrow new money to pay back old debts, even if they are in default.
If you want to pay your existing loans early as the loan repayment is too high. 100% Genuine Help! No brokers
Tess from Wakefield – Debt Consolidation Loans for Bad Credit
I had trouble with loan sharks at bonkers APR rates and needed to sort my debts out. I got a debt consolidation loan at a much lower rate and have just one monthly payment I can afford. Finding debt consolidation loans bad credit direct lender has been great for me.
Ellie From York
I had been in an abusive relationship, and my ex-boyfriend got me into a lot of debt. I paid off all these debts and now I have a single payment just after payday that I can easily afford. Discovering debt consolidation loans no guarantor was just what I needed and just at the right time. Goodbye, poor credit history!
Katherine from Winchester – success with Debt Consolidation Loans for Bad Credit
Despite the coronavirus, I have had two great days in 2025. One day, I dumped my abusive boyfriend and got my own place, and the other, I paid off all my old debts with my debt consolidation loan. I now have a low fixed monthly payment I can afford, and I will be debt-free in 2025! Debt consolidation loans without a guarantor were exactly what I needed.
Heather from Westminster
I had so many monthly direct debits for loans, credit cards, sofas and car payments. The direct debits were constantly bouncing because I did not have the money. Now I have paid everything off I have one payment that comes out at the right time of the month. Finding out about debt consolidation loans, bad credit, no guarantor, and direct lenders was perfect for me! Consolidating debts works.
The loan term made the debt easier to manage with one company.
Sally from Reading
With the help of my new job, the debt consolidation loan affordability assessments were no problem for me. The repayment terms and APR rates were much lower than those of my other credit cards, store cards, and guarantor loans. Discovering Debt Consolidation Loans for Bad Credit was so favourable to me. A debt consolidation loan lets you get back in control. I could compare loans on my own time. The overall cost was low.
Helen from Dorset
I owed money to many debt collectors, including Cabot, Link Financial, Lowell, and Advantis. I made a deal with all of them to make full and final settlements. They got between 10 and 20p in the pound. My debt consolidation loan paid for all these, and I can afford the payment. I even have enough monthly money to get my hair and nails done! Finding a debt consolidation loan no credit check was great for me.
Graham from North London
I had six payday loans, a doorstep loan, a credit card, and a store card. Now, I have one payment I can afford. Life is easy with debt consolidation loans, bad credit, and non-homeowners. My old outstanding debts are gone forever!
Jane from Bridgewater
My new unsecured debt consolidation loan has made multiple monthly payments, reducing from a total of £568 a month to only £290 a month, and now I am paying debt down. I don’t have credit cards anymore, and that goes on forever. The day I found unsecured debt consolidation loans bad credit was great for me. A good credit rating wasn’t necessary.
Tony from Manchester
I had always gotten into a doom spiral of short-term and payday loans. I ended up thinking I was a Ponzi Schemer like Bernie Madoff! Now, I have a debt consolidation loan. I have one payment coming out of my bank just after payday, at the same time as my rent and other bills. Finding unsecured debt consolidation loans for poor credit was so favourable to me. The annual percentage rate was much lower than I expected.
Jennifer from Wolverhampton
The APR representative of my new unsecured loan is much lower than the credit cards and store cards I had; it is all easier to manage with a fixed monthly repayment that I can afford. The day I found loans for bad credit, no guarantor direct lender, was great for me.
Mark from Birmingham
I lost my job and could not pay my loans, credit cards, car finance, and car tax. Nasty, evil, threatening letters from debt collectors rolled in daily. Once I got a new job, I got a debt consolidation loan, and I was able to pay off all the debt collectors. My monthly payment is only £241—debt consolidation loans for bad credit in the UK with no guarantor were ideal for me.
Jill from Tooting
I had personal and guarantor loans, all at a high percentage rate. Now I have paid off my other loans, my parking tickets, and my car road tax. I have one monthly payment that I can afford. I didn’t think awful credit loans and no guarantor direct lender existed until I actually found one!
Betty from Worcester
I used to have three credit cards, two catalogues, a store card, and a personal loan. My new debt consolidation loan paid off all these, and I only pay back £167 per month, that I can easily afford. Finding debt consolidation loans bad credit no brokers saved me a lot of money.
Anne from Swindon
With my occupation, I could not have any CCJs. I used the debt consolidation loan to pay the debt collector, Lowell, so they did not throw me in court. The loan saved my job, and I am so grateful.
Kate from Brighton
I paid off all my debts; it was a fantastic experience as they call and call and call all the time if you do not pay on time. I now have one payment each month just after my payday; the interest you pay with this loan is much lower. I had to get an unsecured loan as I do not own a house or flat. It was a great day when I found ccj loans, no guarantor direct lender on the internet.
Wendy from Glasgow
My ex-boyfriend applied for loans and credit cards in my name and used them to buy things we did not need. Because I had so many things going out of my bank each month, I got payday loans. Now I have one personal loan. I was able to pay off all my debts and have one monthly payment I can afford. It is a relief! What a fantastic find—debt consolidation loan bad credit UK.
Steve from Croydon
I got into a lot of gambling debt with credit cards, loans, and doorstep loans. During the lockdown, I decided to quit gambling and sort my life out. I got a debt consolidation loan and paid off all my old, defaulted debts, and I will be debt-free in 2025. Unsecured debt consolidation loans bad credit – what a result! My financial circumstances are not much better.
Ravenwood does not offer 100% guaranteed loans. Still, our bad credit direct lender has a high acceptance rate. They understand that regular payment is much easier if you give people lower rates and de-clutter their lives from multiple monthly obligations at different times of the month.
It’s common to find people looking for 100% acceptance loans with bad credit as they are sick of getting turned down by lenders who are very fussy about people’s credit scores and past personal circumstances.
Nationwide Debt Consolidation Secured Loans
People looking for the best debt consolidation loans generally want to maintain their obligations to lenders and not default on anything because they know defaulting is wrong and bad for everyone.
No one in their right mind wants a fee-collecting middleman—NO BROKERS, people scream! That’s why our direct lender does not use a broker to do the work on the loan. They have simple online applications that require minimal scanning and sending of documents. You can also take pictures of your payslips or accounts with your Android or iPhone.
Secured Loans Direct Lender
Even with bad credit, lenders can see your income by regular payments to your existing lenders. Tenants can be just as creditworthy as homeowners in many cases, as the responsibility for the maintenance of their home is on their landlord, not them personally. Call your landlord if you’re a tenant and your landlord’s washing machine breaks.
Payday loan debt consolidation – avoid a large broker fee!
Because payday lenders don’t care that they put you into a monthly unsecured debt doom spiral, as long as they hit your debit card just after your payday, it’s easy to get into trouble with payday lenders. You essentially destroy your income in very high rate payday loan interest. Then you run out of money for basic things long before your next payday. Our direct lender understands that with no fees, you want to get out of this Ponzi unsecured debt spiral and pay back the money you owe at a reasonable rate of interest within a timescale you can easily manage.
Areas of the UK acceptable for urgent new loan cases – debt consolidation loan bad credit no guarantor
It doesn’t matter where you are in the UK, Scotland, Wales, England, or Northern Ireland. Don’t let other loans go bad. Manage your borrowing with a non-homeowner debt consolidation loan. Even if you are a tenant currently on a debt management plan or IVA, if your credit score is fair because you missed a few payments two years ago, interest rates can be even lower.
Don’t risk debt collector agency charges added to your debts!
“I’ve got debt collectors hassling me”, is another familiar story. You are trying to work, make a living, pay your existing debts, and all you get is people who want you to prioritise their debt over everyone else’s. This is where debt consolidation is a powerful solution to eliminating the daily harassment of creditors chasing you.
Do you have telephone bots ringing you up all the time—not even a natural person calls you! You get the call from the bot, and when you answer, you are only then connected to a real (and usually obnoxious) person. A debt consolidation loan could help you manage your money better when you pay just after your payday. Try to preserve your credit record.
The best way to consolidate debt – real solutions for existing debts
The first rule of debt consolidation is not to return to the same old lenders and to rack up more debt after you have paid them all off! Your debt consolidation plan relies on this. Just have one monthly payment after your payday, pay your rent, council tax, and utility bills, and buy food. You can overpay your direct lender for Any money left over at the end of the month. Overpaying just a little bit can help get the interest and the debt down quickly, so you are free of debt sooner.
If you need a holiday, save a little each month for it. When you leave, try self-catering and spend no more money than you would at home.
Your credit score may improve as the balances on your loans go down, and when you apply for credit, you might be offered credit at a lower interest rate with lower monthly payments. Credit cards can be a flexible way of managing your money if you pay them off each month. A secured loan could be an idea to consolidate existing debt into a lower monthly payment.
Top tips of what not to do:
Look for Debt Consolidation Loans for Bad Credit. Don’t pay an upfront fee to someone offering a 100 per cent approval loan—you’ll likely lose your money.
Don’t get payday loans! Ever!
If you don’t have the money to service your debts even after a debt consolidation loan, consider debt management, IVA, or even bankruptcy.
Don’t make assumptions about your future earnings improving; base what you can pay on what you earn now.
Don’t burn your bridges with friends and family getting a guarantor loan, as this can often turn sour if your circumstances change.
Don’t risk your ability to get around by getting a car on finance. If you don’t have your car finance, they will take the car back! Get a car you can buy outright and try to maintain it as cheaply as possible. Buy an economical petrol car with low road tax, as diesel cars are being pushed out of town centres because of green regulations. A newer car doesn’t necessarily mean lower running costs. Car manufacturers are pushing out small local garages and private individuals who repair and maintain their vehicles through software diagnostics and other tools that main deals only have access to. Don’t be tempted to get a personal loan to buy a car.
Don’t risk getting your mobile cut off by getting the handset from your network! Always get an appropriately sized sim-only tariff with a low monthly charge – and don’t go over your entitled allocation. If you do not have the money for the latest iPhone, do without! Many good Android phones are now available for just over £100 and are very usable. If you must have the latest tech, always try to put down a sizable sum on your new device, like £300 or more. Work out the cost of the phone and the airtime over the contract term.
Don’t have bounced direct debits and bank charges! Get a bank account you can easily monitor from your mobile phone and ensure there is always enough money for your direct debits and standing orders. Revolut and Starling Bank have excellent apps that alert you to spending and money coming into your account. Another good money management tip is to pay with your debit card, not cash, where possible.
This will allow you to look back at what you spent over the previous month and illustrate your spending habits. Do you buy a coffee in the morning from a shop? Looking back over a month on your statement, you might find you spend a lot of money on such things, and cutting out this spending can help you control your money.
Debt charities can sometimes help you with car finance, personal loan applications, homeowner loans, sourcing your credit report, and using the financial conduct authority for previous problems.
Credit card debt can be an alarming problem, especially for people with poor credit scores, as it’s hard to do balance transfers into lower APR representative credit card deals. Store cards can have an exceptionally high percentage rate.
Unsecured loans authorized and regulated by the financial conduct authority are often provided via a credit broker, and the loan amount should be precise and have one interest rate. The application form should be clear and include credit faqs and one interest rate.
The importance of making your monthly repayments on time – debt consolidation loans instant decision
For each credit agreement, your monthly repayment should be made on time for your credit history or credit rating to be preserved and improved. Use the reference number to contact the lender so your loan repayments are all taken just after your wage arrives. Read all the loan terms, as not making timely loan payments can result in fees and damage to your credit record.
What is best for me?
- Low-interest rate personal loans?
- A secured loan?
- A simple loan application?
- A 2nd charge mortgage at a low-interest rate
A debt consolidation loan that involves signing away your home could be very dangerous. If you have credit cards and personal loans, try to make the expected monthly payment even if a secured loan has lower interest. An unsecured bad credit no guarantor consolidation loan could be the best option.
Secured loans for UK homeowners with mortgages
Metrobank Secured Loan
NatWest Bank Secured Loan
No Broker Fees Secured Loans credit check
HSBC Bank Bridging Loans
Co-operative Bank Secured Loan
Halifax Secured Loan
Bank Secured Loan
Lloyds Bank Secured Loan
Secured Loans For People With Bad Credit
Mortgages
Interest Only Buy to Let Mortgages
Remortgages from Ravenwood Services
High Loan to Value Buy to Let Property Mortgages
Debt consolidation loans for bad credit UK no guarantor
General RWS information – debt consolidation loan with no guarantor and Debt Consolidation Loans for Bad Credit
All rights reserved. Ravenwood has no company number and is not on the financial services register. Ravenwood will not perform a credit check on your credit file. Ravenwood lenders often have an excellent service rating. Debt consolidation loans for bad credit UK no guarantor and debt consolidation loans for bad credit unsecured have been very popular since the COVID-19 crisis impacted people’s monthly payments and credit scores.
https://en.wikipedia.org/wiki/Bad_debt
Availability of Debt Consolidation Loans for Bad Credit
Demand for Debt Consolidation Loans for Bad Credit is very high because of the high unemployment caused by the lockdowns. The sooner you apply, the better.
What about a secured debt consolidation loan? Are you looking for payday loan debt consolidation?
A secured loan is ideal for a higher amount. Debt consolidation loans work by pledging your home as collateral.
How much does a debt consolidation loan cost?
Just the monthly payments, no fees or advice charges are necessary.
How do I compare debt consolidation loans?
You contact Ravenwood!
Does Ravenwood Services have a debt consolidation loan calculator?
Yes, all your debts can be added up, and your new monthly repayment can be worked out after all your existing debts are added up. All loans have fixed monthly payments, no balance transfer fee and a low credit score is fine.
Do debt consolidation loans hurt your credit score?
No, all credit searches are soft searches. The maximum APR will be part of your proposal. You will also get free debt advice, and you can work out if you can get a debt consolidation loan and if the loan rates are cheap enough for you.
Can I even apply on bank holidays?
Yes, that’s not a problem.
Do I need to be a UK resident?
Yes, it would help if you lived in the UK permanently and legally.
Can I borrow money for home improvements?
Yes, that’s no problem.
What if I am self-employed?
We offer quality service for all people no extra fees, and the same interest rate offered.
Can I pay the loan early with no penalty?
Yes, when you apply online, even if you have had financial problems, if your circumstances improve, you can pay the loan back early, which will affect your credit positively.
Will I get a representative example when I apply for a loan?
Yes, when taking out debt for a more extended period, you can read the small print carefully and decide the total cost yourself.
Ravenwood Services is not a lender, and it does not have a financial services register number, relationship with the prudential regulation authority, or firm reference number.
Are debt consolidation loans a good idea?
They can be an excellent idea, yes.