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Loans can either be secured or unsecured.

A personal loan is a type of unsecured loan, which means the debt isn’t secured against any asset. Secured loans offer lower interest rates as it is secured against your property.

You can borrow a fixed amount over a fixed term and pay off the full amount plus interest making a set monthly payment.

The interest and charges are generally based on your credit rating.

The better your credit rating, the better interest rates you will be offered. Poor credit rating will mean higher interest rates, or you could be refused credit.

Pros Vs Cons


  • You will only make one monthly payment to one creditor
  • Your credit rating will be unaffected, and may be repaired by making the contractual payments, if previously damaged
  • The monthly repayments may be more affordable than paying lots of individual creditors


  • A setup fee and interest is normally charged on the loan and the debt is repaid in full
  • You may not be able to raise sufficient funds to consolidate all debts, and so could end up in a worse position
  • If your credit rating is poor, it is unlikely you will able to obtain a consolidation loan
  • You may be asked to secure this loan on your property if you have sufficient equity available

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