APR FROM 5.9%● DECISIONS IN UNDER 4 HOURS● NO ORIGINATION FEES● FCA REGULATED● APR FROM 5.9%● DECISIONS IN UNDER 4 HOURS● NO ORIGINATION FEES● FCA REGULATED●
P/02 — Debt Consolidation

All your debts,
one payment.

Merge credit cards, store cards, and existing loans into a single fixed-rate payment. One date, one amount, one less thing to think about.

Check your rate See what you'd pay
At a glance
Consolidate up to $100k
Term 1 – 7 years
APR from 5.9%
Decision <4 hrs
Debts we pay off Free
§01 — The math

What consolidation actually does.

A worked example. Not a promise — but a clear look at how the numbers typically shake out.

Before
  • Credit card A 22.9% APR $6,500
  • Credit card B 26.5% APR $3,200
  • Store card 29.9% APR $1,800
  • Personal loan 11.2% APR $4,500
Total debt $16,000
Monthly outgoings ~$620
Payments per month 4
After
  • Adlib consolidation loan 5.9% APR $16,000
  • All four accounts cleared on day one.
Total debt $16,000
Monthly payment $308
Payments per month 1

Over 60 months at 5.9% APR. Total repayable $18,480. Illustration only.

§02 — Process

How we clear your debts.

01

Tell us what you owe

List your cards and loans — roughly. We don't need exact balances to start.

02

We make an offer

One consolidated loan at a single rate, for a single term.

03

We pay your creditors

Funds go directly to your accounts. You don't have to chase anyone.

04

One payment, monthly

Fixed amount, fixed day, until it's done. That's the whole arrangement.

§03 — Honest fit

Is consolidation right for you?

Consolidation isn't for everyone. Here's the straightforward version.

Good fit
  • You have 3+ debts with different rates and dates.
  • Your credit card APRs are higher than our loan rate.
  • You want a fixed payment that ends on a known date.
  • You're confident you won't run the cards back up.
Reconsider
  • You'd be stretching the term enough to pay more total interest.
  • The debts are already at 0% or very low promotional rates.
  • You're struggling to make minimum payments — talk to a free debt charity first.
  • You're close to clearing the balances anyway.

If you're in serious financial difficulty, contact StepChange or National Debtline for free, impartial advice before taking on new credit.

Illustration

$16,000 over 5 years, for example.

At 5.9% APR that's $308/month for 60 months. Total repayable $18,480. Roughly half of what you'd pay across four cards at typical rates.

Try your own numbers Start application
§04 — FAQ

Consolidation
questions.

Start your application
01 Will consolidation hurt my credit score?
Initially, a new hard search may dip your score a few points — this is normal and temporary. Longer term, moving high-rate revolving balances to a fixed loan usually improves your score, because it lowers your credit utilisation ratio.
02 Which debts can I include?
Credit cards, store cards, overdrafts, catalogue accounts, other personal loans, and buy-now-pay-later balances. Not included: mortgages, student loans, or any debt in a formal insolvency arrangement.
03 Do you pay my creditors directly?
Yes. On drawdown we settle your named accounts in full directly. Anything left over lands in your bank account. You don't have to move money around yourself.
04 Will I pay more interest overall?
It depends on the term. A shorter term means less total interest. A longer term means a lower monthly payment but more interest across the life of the loan. We'll show you both before you commit — no pressure.
05 What if I can't keep up with the payment?
Talk to us early. We can usually restructure the term or payment date. If your situation is more serious, contact StepChange or National Debtline — free, confidential, and independent.