Consolidate your debts in Jersey and Guernsey.
Managing multiple debts with different rates, different lenders, and different payment dates is stressful and expensive. A debt consolidation loan replaces several debts with a single, lower monthly payment at a fixed rate. We search Channel Islands lenders to find you a consolidation loan that reduces your monthly outgoings and gives you a clear path to becoming debt-free.
- Replace multiple payments with one fixed monthly amount — simpler to manage
- A lower overall interest rate reduces the total cost of your debts
- Fixed end date gives you a clear timeline for being debt-free
- Free up monthly cash flow for savings or other expenses
- Poor credit history considered through specialist consolidation lenders
- Soft credit check during comparison — no impact on your score during the search
Quick facts
No obligation. Soft credit check only.
How it works
List your debts and monthly payments
Tell us the total you owe, your current monthly outgoings, and the types of debt you want to consolidate. Soft credit check only at this stage.
We find a consolidation loan
We search Channel Islands lenders for a consolidation loan at a lower rate than your existing debts, comparing total cost of borrowing carefully.
Old debts cleared, one payment begins
Once approved, funds pay off your existing debts. You then make a single monthly payment to your new lender at your agreed rate.
Who can apply?
- Jersey or Guernsey resident aged 18 or over
- Have two or more existing debts you wish to consolidate
- Provable income sufficient to support new repayments
- Debts must be in your name (or joint names for a joint application)
- Poor credit history considered through specialist lenders
- Not currently bankrupt or subject to a debt relief order
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
It depends on the interest rates involved. If the consolidation rate is lower than your current debts, you will save on interest. Extending the term lowers monthly payments but may increase total cost — we will show you both outcomes clearly.
Yes. Most types of personal debt can be included — credit cards, store cards, personal loans, and overdrafts. Some lenders will also consolidate buy-now-pay-later balances.
It is strongly advisable to close or reduce the limits on credit cards you pay off. Leaving them open and using them again would increase your total debt.
Yes. We work with specialist lenders who consider applicants with defaults, missed payments, or CCJs. Your rate may be higher, but the simplification of one payment can still be worthwhile.
A secured loan (against your property) typically carries a lower interest rate but puts your home at risk if you miss payments. An unsecured loan is safer for your property but may cost more. We will explain the trade-off clearly.
Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
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We've opened an email in your mail app with your application details. Just press Send to submit it, and a member of our team will review it and contact you within one business day to discuss next steps.
Something went wrong. Please try again or email info@nowagogo.com.
Free, no-obligation
Request a Call Back
Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.