Financial Information Disclaimer
Please read this carefully. It explains what the information on this site is, what it is not, and the limits of how far you can rely on it when making a financial decision.
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General information, not personal advice
Everything published on this site is general, educational information about debt consolidation and related topics. It is not personal financial advice and it is not regulated advice. We do not know your individual circumstances, so nothing here should be read as a recommendation to take out, or to avoid, any particular product or course of action.
Before you make a decision that affects your finances, get independent advice that takes account of your own situation. Free, impartial help is available from the services we signpost below, and regulated advice is available from suitably authorised firms and advisers.
If borrowing is secured against your home, your property may be repossessed if you do not keep up repayments. Consolidating debts can also mean paying more overall, or over a longer period, than you would otherwise. Weigh these risks carefully.
We are not a lender or broker
Debt Consolidation Loan is an independent educational publisher. We do not lend money, broker or arrange loans, process applications, carry out credit checks, or give quotes. There is no product to buy here and no application to submit. Our role is to explain how things work; the decision, and any application, is between you and a regulated provider. You can read more about this on our about page.
Why illustrative figures are not offers
Any pound amounts, interest rates or repayment figures shown on this site, including results from tools such as the debt consolidation calculator, are illustrative examples or estimates only. They are not quotes, not offers, and not a promise of any rate or amount. The actual terms available to you depend on the lender and your circumstances, and may differ significantly.
Links to other organisations
We sometimes link to other organisations, such as regulators, government services and debt advice charities, because we think they are helpful. We do not control those sites and are not responsible for their content, availability or any product or service they offer. A link is not an endorsement, and you should review a third party's own terms and privacy arrangements before relying on them.
Our liability for decisions you make
We take reasonable care to keep our information accurate and up to date, as our editorial policy and how we research pages explain, but we cannot guarantee that everything is complete, current or error-free. To the fullest extent permitted by law, we do not accept liability for any loss or decision made in reliance on the general information on this site. The precise limits of liability are set out in our terms and conditions.
Where to get free debt advice
Free, impartial debt advice
If you are worried about debt, free help is available from MoneyHelper, StepChange, National Debtline and Citizens Advice. Our guide on when to seek free debt advice may also help.