Take Control with a Debt Consolidation Loan That Works for You

Managing multiple debts can feel overwhelming. Whether it’s credit cards, overdrafts, or old loans piling up we offer a simple, ethical way to bring everything into one affordable monthly repayment.

We provide fair, fixed-rate debt consolidation loans to help you reduce stress, cut interest costs, and take back control of your finances. With decisions made by people, not algorithms, we focus on helping you move forward—not trapping you in a cycle of debt.

Why Choose a Debt Consolidation Loan from Wessex Community Bank?

We’re not a high street bank. We’re a not-for-profit, member-owned community bank serving people across Hampshire, the Isle of Wight, Bournemouth, Portsmouth, Southampton, Basingstoke, Newbury, Guildford and Woking.

That means:

  • No hidden fees or penalty charges

  • Fixed, transparent interest rates

  • No early repayment fees ever

  • Flexible top-ups if needed

  • Ethical and supportive approach

Every decision is made locally by people who understand your situation—not by an automated credit score system.

What Is a Debt Consolidation Loan?

A debt consolidation loan lets you combine multiple debts into one single loan with one monthly repayment. This can:

  • Lower your monthly costs

  • Make budgeting simpler

  • Help reduce your overall interest

  • Give you a clear end date to becoming debt-free

Whether you’re juggling credit cards, payday loans, store credit, or previous loans, we can help you bring it all together into one manageable plan.

Loan Details

  • Borrow from £500 to £5,000

  • Flexible repayment terms up to 5 years

  • Daily interest on a reducing balance—fairer and cheaper

  • Fast, friendly service from a real person

Try our Loan Calculator to see how much you could save.

Not-for-Profit Lending That Supports You

As a community bank, we exist to help people, not shareholders. Any surplus we make is reinvested to:

  • Improve rates for members

  • Support local community projects

  • Expand access to fair credit across central southern England

By consolidating your debts with us, you’re choosing a smarter way to borrow—and supporting financial wellbeing in your area.

Who Can Apply?

We welcome applications from people across: Hampshire, Isle of Wight, Portsmouth, Southampton, Bournemouth, Guildford, Woking, Newbury and Basingstoke.

We assess each case individually—so even if your credit score isn’t perfect, we may still be able to help. We focus on affordability, not just your past.

FAQs

Will this affect my credit score?

We run a soft check when you apply, and a full credit search only if you proceed. Making regular repayments can improve your credit score over time.

How quickly will I get a decision?

We aim to process applications within 1 to 2 working days. Upload your documents via our secure online portal for faster service.

Can I include credit cards or overdrafts?

Yes. You can consolidate most types of unsecured borrowing. We’ll work with you to tailor a loan that fits your situation.

Apply Today and Start Fresh

Say goodbye to juggling repayments and hello to a clearer financial future. With a debt consolidation loan from Wessex Community Bank, you can simplify your finances with a lender that puts people before profit.

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