Personal loans
Personal loans and debt consolidation
Personal loans for renovations, weddings, medical costs, travel or rolling high-interest debts into one repayment. We compare lenders on the comparison rate and fees, not just the headline rate.
Is this you?
- Consolidating credit cards and buy now, pay later
- Home improvements and renovations
- Medical, wedding or travel costs
- Secured and unsecured options
What you should know
Repayments
Work out repayments for any loan amount, rate and term.
Calculate nowGeneral information current as at October 2026. Lender policies change; we confirm them for your situation.
Our process
Talk it through
We look at what the loan is for and your budget.
Compare lenders
We compare rates, fees and early repayment terms.
Apply once
One well-prepared application, so your credit file stays clean.
Plan ahead
If you own a home, we also check whether refinancing makes more sense.
Frequently asked
Will consolidating debt save me money?
It can if the new rate and fees are lower and you close the old accounts. We’ll show you the numbers.
Can I get a personal loan with bad credit?
Some specialist lenders consider it, usually at higher rates.
Should I use my home loan instead?
Adding debt to a home loan can lower repayments but cost more over a longer term. We compare both.
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