Consolidating a car hp and 2 loans into one, advice?

keane2012

Hi all
i have just taken a new job on, and am looking to re finance my loans all into one bundle on an unsecured basis
i have poor credit history (i might add this for the last 5 years has been superb but is due to issues before that)
i have loans in the region of 12000 which include car finance at 6000 to pay off if i pay now, 5000 to the failed north yorkshire credit union and 2000 elsewhere
they are rough guesses
can anyone advise of anywhere i could try to consolidate these into one loan?
i currently pay a total of 460 a month so would like to get it down a bit and if i pay the car off i save a fortune in interest i would pay on that too.

thanks

i dont own property, i rent currently

CLAPTON

best to find out exactly what you owe
and what APR is
and your monthly payments
and how many payment to go

what is your salary
what do your credit files actually say

keane2012

Hi
i have 2 years 8 months to run on one
4 years on one
and another is just onw i pay 50 pound a month off till its paid

any suggestions where i could head
i save 4100 in interest alone on the car
obviously i wont but im sure i could get cheaper payments than im paying combined

CLAPTON

entirely up to you but you need to answer the questions

heartbreak_star

If your debt is anywhere near half your salary, no lender will touch you.

Harsh but true - said from experience.

HBS x

stephane_2

From what you are saying...I would say that it is very unlikely that you'll get a loan...