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Hi, im currently paying off a credit card of 3000 and a loan of 1000 (lloyds tsb) im not on a high income and im struggling with the repayments. im paying something like 120 a month. can anyone suggest another bank or loan company where i can consolidate them and that has low interest rate? thanks in advance i comprehend there are a lot of sharks out there and thats why im doing my research first. i wanna consolidate the two cos its easier and i hate the credit card interest rate. i need a loan of around 4000 hatfieldbrett, do me a favour and dont call me stupid. if you had read my question properly you would see that that all i wanna do is consolidate my two existing loans into one and have a lower interest rate than ive got. anyway thanks to eextremely one who has given helpful advice, i went to abby national today and im hoping to get a loan with them, their apr is 9.5 so i think thats nice .

Keep paying what you can. often consolidation loans offer longer terms and overall you end up paying even more back! look at reducing your outgoings - check www.moneysupermarket.com for any bills that you can reduce for mortgages, car bills, utility bills etc. this is the only genuine web-site i would recommend and has helped me find innumerable savings. if you must take out another loan: the only place i would go is www.moneybackbank.co.uk this is run by alliance & leicester and offers the lowest interest deals.