Mr A K (Dundee) Quality service – Excellent Quality Doc’s – Excellent Quality of advice – Beyond excellent, top class How often kept waiting on the phone - Never Would you recommend us to a friend – Definitely
Mr D F T (Essex) Quality service – Excellent Quality Doc’s – Excellent Quality of advice – Excellent Helpfulness of staff – Excellent How often kept waiting on the phone – Some calls Would you recommend us to a friend – Yes “Smooth from start to finish, first time used Essential Loans and will definitely use them again.”
Mrs F M (Notts) Quality service – Excellent Quality Doc’s - Good Helpfulness of staff – Excellent How often kept waiting on the phone – Never Would you recommend us to a friend – Yes “Very helpful, always kept me well informed.”
Mr D T (Essex) "Very quick, accurate, very efficient, can’t complain, no problems what so ever. Would recommend and use again."
Mr D M (Cumbria) Quality service – Good Quality Doc’s – Good Quality of advice – Excellent How often kept waiting on the phone – Never Would you recommend us to a friend – Already have (brother).
Mr D R (Surrey) "I was very pleased with the service I received. You were very helpful and understanding and very efficient."
Mr P C (Shropshire) "Very efficient and very helpful, we got everything we needed with no problems at all."
Miss K H M (Aberdeen) Quality service – Excellent Quality Doc’s – Good Quality of advice – Good Helpfulness of staff – Excellent How often kept waiting on the phone – Never Would you recommend us to a friend – Definitely “Really good questions always answered. Whoever I spoke with was always more than willing to help.”
Mr B M (Wiltshire) "Warm friendly service, got to the point very quickly and stayed with it to a successful conclusion."
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If you are tired of making several debt repayments each month and would like to combine them into ONE payment, Essential Loans may be able to help.
A Consolidation Loan will generally allow you to borrow between £5,000 and £150,000 over a period of up to from 5 to 30 years. We will be happy to help you through every stage of your application. Click here to see our consolidation example.
Consolidation Loan Checklist
All circumstances considered - All credit circumstances sympathetically considered - even if you have been refused a Secured Loan elsewhere.
Self-employed Consolidation Loan - those with or without accounts are welcome to apply for a Homeowner Loan.
Consolidation Loan requests even if you have a poor credit history - CCJ's, Arrears, Bankruptcy, Poor Credit Rating - we may still be able to arrange a Secured Loan for you.
Our service is free and without obligation so why not apply online today and see exactly what we can offer you!
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Put simply, a Consolidation Loan it is a loan that is used to pay off existing debts, resulting in just ONE monthly payment. This type of Secured Loan is commonly used to combine unsecured debt, making it easier to manage your overall budget and stick to a repayment plan.
A Consolidation Loan may be a good idea if you find yourself in any of the following situations:
A Consolidation Loan can be either secured or unsecured. A Secured Loan uses the equity in you home to secure the loan amount. Naturally, a secured or Homeowner Loan is less of a risk to the lender, usually lending to a lower interest rate with larger amounts available for borrowing.
An unsecured loan is not secured against your home, so it is much riskier to the lender. This type of loan usually comes with higher interest rates, smaller loan amounts, and often includes restrictions on how you can spend the money you receive.
In either case, secured or unsecured, the Consolidation Loan available to you will depend on your credit rating. Those with a poor credit rating can still apply for a Secured Loan, and over time, can even improve their credit rating be diligently making payments on time and in full.
There are many reasons why you might want to seek a Consolidation Loan. For example, you may want to reduce your monthly debt repayments and simplify your budget by making just ONE Homeowner Loan payment to a single lender. Or you may be having trouble keeping current on your existing debts and need a way to make your payments affordable whilst repairing your credit rating over time.
Taking out a Consolidation Loan may mean that it will take longer to become free of credit, but in many situations it's worth it if a Secured Loan will improve your overall financial health.
While it's true that many lenders won't write a Homeowner Loan to people with a bad credit rating, there are many other lenders who specialise in such loans. They typically charge a higher interest rate but the benefits of getting your debts under control often outweigh the additional costs involved.
Whatever your need, why not complete a No Obligation Application with Essential Loans today. Our friendly staff are here to help, finding a Secured Loan tailored to your personal circumstances.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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