Debt Consolidation Loan

Loan amount

Loan duration

Representative APR:

60 Monthly payments of:

Total payable:

Individual rates may differ from the Representative APR

Apply for my rate
Phone Us

Representative example

If you borrow £10,000 over 60 months at a Representative 3.0% APR and an annual interest rate of 2.96% (fixed) you would pay £179.51 monthly and the total amount you would repay would be £10,770.60.

At least 51% of people who take out a loan between will be given the advertised representative APR. The rate you’re offered will depend on the amount you wish to borrow along with your personal circumstances, financial circumstances and credit history.

What are the benefits of an Admiral debt consolidation loan?


Responsible lending

We're a responsible lender aiming to make sure the loan is suitable to your needs and the borrowing process is straightforward.



You can repay your loan in full or in part at any stage of the loan's lifetime. There are no application fees.


Borrow £1,000 - £25,000

Between 12 and 60 months. Approval of loans is subject to credit checks, your personal circumstances and our affordability criteria.


Fixed APR

Once your loan application has been approved, you'll receive a personally tailored APR, fixed for the duration of the loan.

Is a debt consolidation loan right for me?

If you've borrowed from different lenders, you may be making multiple monthly payments at varying rates. A debt consolidation loan could help combine your debts into one payment each month at a fixed rate.

When you apply for an Admiral Loan, you choose the length of time you’d like to pay it over (between 12 and 60 months) and we’ll offer you an APR based on your situation.

If the APR on your existing credit is lower than the rate we’ve offered or the term is different from the proposed loan term, it may mean you pay more interest and take longer to repay the balances outstanding.

As with all loans, you should weigh up the pros and cons before you apply.

How do debt consolidation loans work?

An Admiral Debt Consolidation Loan is an unsecured personal loan which means there's no security needed, such as your home.

With a debt consolidation loan, you can transfer all the money you owe onto one loan. You can then close the other loans or credit cards you owe on and use the debt consolidation loan to pay off the outstanding debt.

While some lenders will clear your debts with the loan on your behalf, with an Admiral loan, you're responsible for paying off your outstanding debts. Using this loan for any other purpose may leave you in financial difficulty.

Loan calculation

How do I apply for a loan?

Once you’ve decided how much you’d like to borrow you can apply through our online loan application or call our friendly team to start the process.

Your questions answered


As a basis for qualification, you must be a permanent resident of England, Wales or Scotland, having lived in the UK for at least 3 years, be between the ages of 18 and 75, and with no recent history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You can apply for any amount between £1,000 and £25,000 for a period between 12 and 60 months.

APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed, this is because each loan application is assessed on an individual basis. The maximum APR we offer is 29.9%.

Admiral Loans is a trading name of Admiral Financial Services Limited (AFSL). Admiral Financial Services Limited (AFSL) is registered in England and Wales at Tŷ  Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 10255225). Admiral Financial Services Limited (AFSL) is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). These details can be confirmed by visiting the Financial Services Register,

Admiral Financial Services Limited (AFSL) is a registered data controller (No. ZA257412). The data controller is Admiral Financial Services Limited. You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined in our Privacy Policy. Click here to read.

Please see our terms and conditions here.

When you submit an application for a loan, we will conduct an application credit search which may affect your credit score, so you may wish to keep applications to a minimum to protect your credit rating.

If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, Admiral Financial Services Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.