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What information should you gather before refinancing debt?

A useful refinance comparison needs more than current balances. Gather payout figures, rates, fees, repayment dates, remaining terms, limits and account details so the new offer can be tested against what you actually have.
Sep 8, 2026
 in 
Debt consolidation

When refinancing debt may not improve your position

Refinancing may not help when the new rate is not much lower, fees are high, the remaining term is short, the debt is still growing or the new repayment depends on stretching the loan for much longer.
Sep 7, 2026
 in 
Debt consolidation

Can you consolidate debt more than once?

You can apply to consolidate debts again, but a second consolidation does not erase the first loan or the reasons new balances appeared. The new application needs to improve the complete position after rates, fees, term and any additional credit are considered.
Aug 31, 2026
 in 
Debt consolidation

Personal-loan top-up vs a new consolidation loan

If you already have a personal loan, you may be able to request more funds through a top-up or replace it with a new consolidation loan. The names can sound simple, however either route may change the rate, fees, repayment and finish date for the whole balance.
Aug 31, 2026
 in 
Debt consolidation

Should you refinance every debt or leave some separate?

Including every balance can simplify repayments, but a small low-rate or nearly finished debt may make the new loan larger and more expensive than it needs to be. Partial consolidation can be reasonable when the excluded debt has a clear, affordable path.
Aug 27, 2026
 in 
Debt consolidation

Can a car loan be included in debt consolidation?

A car loan may be included in a consolidation arrangement in some circumstances, however secured vehicle finance is different from an unsecured card or personal loan. You need an exact payout figure and a clear answer about what happens to the vehicle security.
Aug 27, 2026
 in 
Debt consolidation
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