Roll multiple credit card balances into one simple fixed-rate loan. One payment, a lower rate, and a clear date when you'll be completely debt-free.
🔒 Soft credit check only — no impact on your score
Adjust the sliders to see how much you could save
Based on Vanguard Consulting Group representative 5.8% APR
What is it?
A credit card consolidation loan lets you roll multiple high-interest credit card debts into a single personal loan with a fixed rate, fixed term, and one monthly payment.
Instead of juggling several cards with different due dates, interest rates, and minimum payments, you take out one loan to pay them all off — then repay that loan at a fixed rate that is almost always significantly lower than your credit card APRs.
It can also help improve your credit score over time, as you reduce revolving debt and make consistent on-time monthly payments against a fixed balance.
Borrow £2,000 – £60,000 to clear your credit card balances in one go
Terms from 1 to 7 years — choose a repayment period that fits your budget
Fixed rates from 5.8% APR — far lower than the UK average credit card rate of 21.7%
One monthly payment — know exactly what you owe and when you'll be debt-free
May boost your credit score — consolidating can improve your credit utilisation ratio
Soft search only — checking your rate has zero impact on your credit score
The benefits
Three powerful reasons to switch from revolving credit card debt to a fixed-rate personal loan.
Unlike credit card rates that can change at any time, a personal loan locks in your rate for the life of the loan. Your monthly payment never increases — no surprises, ever.
Credit cards let you pay the minimum forever. A personal loan has a fixed end date — so you always know exactly when your debt will be completely paid off.
Paying down revolving credit card balances reduces your credit utilisation ratio. Making on-time monthly payments on a personal loan builds a strong payment history — both of which can push your credit score up.
Side by side
See exactly why a consolidation loan beats keeping your debt on credit cards.
| ✓ Personal Loan | ✗ Credit Cards | |
|---|---|---|
| Interest rate | Fixed rate from 5.8% APR — locked in for life of loan | Variable rates averaging 21.7% — can increase any time |
| Monthly payment | Single fixed payment — easy to budget, never changes | Multiple variable minimum payments across different cards |
| Debt-free date | Clear fixed end date — you always know when you'll be debt-free | No end date — minimum payments can keep you in debt for decades |
| Total cost | Significantly less interest paid over the life of the debt | Compound interest and high APRs make debt extremely expensive |
| Credit score impact | Can improve score by reducing utilisation and building payment history | High utilisation on revolving accounts can suppress your credit score |
| Simplicity | One lender, one payment, one direct debit | Multiple issuers, due dates, statements, and minimum amounts to track |
Simple process
Tell us how much you want to borrow and what it's for. Takes under 3 minutes — soft search only, no credit impact.
Your dedicated broker searches our full panel to find the lowest rate consolidation loan matched to your profile.
Review your personalised loan offer — fixed rate, fixed payment, fixed end date. No hidden fees, no surprises.
Funds are deposited in your account — often within 24 hours — and you pay off your credit cards in full.
Trusted by thousands
"Easy to apply, quick turnaround. Paid off all 4 of my credit cards in one go — my credit score shot up by 80 points within 3 months."
"I was paying nearly £600 a month across three credit cards. My broker found me a consolidation loan at 6.2% — now I pay £310 a month."
"The process was completely transparent and my broker walked me through every step. Cannot recommend Vanguard Consulting Group enough."
Am I eligible?
Aged 18 or over and a UK resident
Regular income — employed, self-employed, or receiving pension
UK bank account in your own name
Any credit history welcome — we work with specialist lenders for all credit profiles
Credit card debt to consolidate — minimum £2,000 total balance
Not sure if you qualify? Check your rate — it takes 3 minutes and won't affect your credit score.
Common questions