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How to Apply for Debt Consolidation

Debt consolidation aims to make your debts easy and manageable.

At debtsmart, we like to offer a personal service, we understand everyone's situations are different, when it comes to debt problems and debt solutions, one size doesn't fit all. When you first contact debtsmart you will talk to one of our Financial Solutions Advisors, who is able to provide debt advice and discuss with you the best course of action for your debt circumstances, they will then guide you through how to apply for debt consolidation, if they believe that is the best course of action for you.

The Financial Solutions Advisor you speak to will conduct a comprehensive review of your finances. This review will assess your monthly income and the essential expenditure you have to make every month, this includes food, clothing, gas, electricity and water bills, and also costs involved with travelling to and from your place of work. Once we have conducted the review of your financial circumstances, we will look at the level of debt you are in,  the creditors you owe and the interest rates you are paying. We will then review whether a debt consolidation loan is right for you. We offer a range of debt solutions including debt management plans, IVAs/Trust Deeds and Debt Relief Orders, it could be that a debt consolidation loan isn't best suited to your financial circumstances.

If we believe a debt consolidation loan is the best possible course of action for your financial circumstances, we will then approach your creditors to negotiate the best possible interest and repayment terms for you, we will also request that any charges you have received for late payments are either frozen or reduced. Your creditors aren't obliged to agree to these requests but by seeing you are working with debtsmart, they will see you are serious about regaining control of your finances, so are generally more lenient. Once we have negotiated with your creditors and decided a debt consolidation loan is the best financial solution for your debt problems, we will research the best value debt consolidation loan to suit your circumstances from our comprehensive panel of lenders.

Apply to us for a debt consolidation loan

There are two ways you can get in contact with us to apply for a debt consolidation loan, you can either:

Call us on our 0800 phone number

Our expert Financial Solutions Advisors are just a phone call away, they can provide you with debt advice and advise you on the best possible debt solution to determine whether a debt consolidation loan is the right option for you. For free debt advice and a no obligation financial assessment, give one of our Financial Solutions Advisors a call on 0800 043 8483

Apply online

Apply online to receive a no obligation assessment call at a time convenient for you. One of our Financial Solutions Advisors will give you a call at a time you specify, they will then be able to talk you through debt consolidation and decide if it is the right option for you. We won't perform any credit checks or research your financial history prior to calling you, we will only do these things with your permission. For debt management expertise and a no obligation financial assessment at a time convenient for you, apply online.