loan help and advise please

theoretica

Do you know exactly how you got into debt, and are you sure it won't happen again? If it was 'just' life and overspending then this needs to be urgently addressed and not just by optimistically thinking you will do better in future. If it was a major one off then the risk of debt drifting up is probably lower, but you also need a savings plan to cope with the next major expense.

[Deleted User]

hellyxcx wrote: »

I'm considering a loan with santander, of around £3,500 over 36 months and to pay off all 3 debts in one go and repay santander via monthly payments of £100 ish each month

That's a fantastic interest rate. :cool:

[Deleted User]

hellyxcx wrote: »

I don't have any CCJs etc and pay all my bills on time, but have nothing left after them and struggle most months.

I'm amazed they would give you a such good rate, when you have little or nothing left each month.