All credit types considered.
All credit types considered.
Money Helper is a free service set up by the Government to help people make the most of their money. Click here if you would like to learn more about Money Helper and their services.
Your application will be processed by Norton Finance, a broker with a panel of lenders, some of which specialise in helping people with CCJ’s and other adverse credit. They will search across a huge number of loan providers to find you the best possible deal on your consolidation loan.
Do you have outstanding CCJ’s or defaults? There are lenders that specialise in helping people with CCJ’s.
Do you have a ‘not so rosy’ credit history? Some lenders will still be happy to consider your application.
Regardless of your current financial position, there is still a good chance that we can find you a competitive loan that you will be happy with.
Our application process is straightforward to say the least. Here are the steps:
simple. quick and easy.
Our panel of lenders search to find you the best deal.
When you decide on your loan, we get the ball rolling.
Your consolidation loan will be transferred directly into your bank.
It’s important that you fully understand the implications of a consolidation loan before you apply. If you hve any further questions, we are always here to help.
Our application process is straightforward to say the least. Here are the steps:
Norton Finance will contact you directly once you have submitted your quotation form. As a broker, and not a lender, Norton Finance have access to wide panel of lenders, many of whom specialise in helping people who have CCJ’s or other adverse credit.
This really depends on your personal circumstances. Taking out a consolidation loan and repaying a number of existing debts could make managing your finances a lot easier.
If you have a CCJ or have previously defaulted on debt repayments it may make it harder to get a loan, or you may have to pay a higher rate of interest. Our lenders will search the market for you and find you the best deal.
If you have a poor credit rating you may find it harder to get the loan amount that you require, or you may have to pay a higher rate of interest. This is because lenders will consider you more of a risk than someone who has managed their finances better in the past.
A secured loan could be a better option for you in you are a homeowner although this will put your home at risk if you default on your loan repayments. With an unsecured loans you do not have this risk although you may be less likely to get the loan amount on the terms that you would like.
Our advisors will go through your options with you to find you the best deal based on your circumstances and affordability.
Debt consolidation loans are a good way of combining a number of monthly repayments together into one, easier to manage repayment. You can use your loan to repay a variety of different types of debts, including:
We will go through your options with you to find you the best deal based on your circumstances and affordability.
When you start your application a member of our team will call you to ask you for a few more details. These are:
Before you apply it is sensible to also consider affordability – whether you can comfortably afford to make your monthly loan repayments and also to become familiar with your credit record, so you know exactly how much you owe and to who, as our advisors will ask you for details of the entries on your record.
It’s important that you check the terms of your loan as this is where you will find out whether you can take payment breaks or not.
Please be aware that even if you are allowed to take a payment break, it could still show up on your credit score as a missed payment which could harm your score.
As with most loans, it is usually possible to repay your loan early.
However, as usual, you will probably incur an early settlement fee which must be paid along with your outstanding loan balance. It’s not possible at this point to determine how much this fee will be although your lender will be able to help you with this as part of the application process.
Think carefully about securing other debt against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it.
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the term of the debt and increasing the total amount you repay.
