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right debt solution?

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There is a range of debt solutions
that could help you.

Our team of trained assessors can help you find the best options available to you FAST!

A range of loans are available from £100 to £10,000. more >>
Debt Management
A Debt Management Plan is a repayment agreement with your lenders to pay back what you owe at an amount you can afford each month. more >>
A legally binding arrangement lasting no longer than 6 years, after which any unsecured debts could be written off depending on your circumstances. more >>
Trust Deeds
A debt solution for Scottish residents only. Helps to clear unsecured debt typically within 4 years, anything outstanding after this time could be written off. more >>

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Why not join the others who have enjoyed the services provided by partners.
Here is a selection of comments left on the Feefo customer feedback site from people we have referred to Churchwood Finance.

"You don’t feel like you are being judged. I would recommend them a 100 percent - they have certainly helped me."
"I was struggling and felt like I couldn’t cope. They have taken that away and now I am stress free and able to enjoy life again."
"They have taken a weight off my shoulders and are always at the end of the phone when advice is needed."
"At a very stressful time, Churchwood made things happen with no fuss - light at the end of the tunnel finally!"
"They solved my financial problems. They are very flexible, as well."
”Thank you to all at Churchwood. My life is back to normal after your help. Thanks."
Feefo comments May 2014

Money Advice Service.

To find out more about managing your money and for free debt advice, visit the government’s Money Advice Service.

Our Fees. do not charge customers a fee for the service we provide but we may receive a commission or fee from the lender, provider or broker where customers enter into an agreement following an introduction through this website.

Insolvency Service.

The Insolvency Service is an independent government agency that has produced a guide on 'Dealing with your Creditors'.


Representative APR.

Guarantor Loan representative example:

Borrowing £4000 over 36 months, repaying £195.16 per month, total repayable is £7025.76. Total charge for credit is £3030.76 (£3025.76 interest and £5 broker fee). Interest rate 49.90% per annum (variable).

Representative 49.90% APR (variable).

Instalment Loan representative example:

Borrowing £1500 over 12 months, repaying £238.43 per month, total repayable is £2861.16. Total charge for credit is £1366.16 (£1361.16 interest and £5 broker fee). Interest rate 140% per annum (fixed).

Representative 278.8% APR.

Short Term Loan representative example:

Borrowing £200 over 31 days.
One total repayment of £259. Total charge for credit is £64 (£59 interest and £5 broker fee). Interest rate 347% per annum (fixed).

Representative 2698% APR.


Loans: Frequently Asked Questions.

If you have a question that isn't answered below then feel free to give us
a call on 0800 2300 025.

What is a consolidation loan?

If your loan application is successful, you could use it to repay your unsecured debts, meaning you have just 1 repayment each month.

I have a bad credit history. Could I still qualify?

People of all circumstances can be accepted for a loan, although interest rates, loan amounts and products may vary. However, if your application is not successful, we cannot provide you with individual reasons for not being accepted for a loan.

What are your typical interest rates?

Interest rates vary based on your circumstances and loan amount requested.

How much can I borrow?

You can borrow anything from £100 to £10,000 depending on your circumstances.

How long do I have to repay the loan?

Anywhere between 1 month to 6 years.

What fees will I have to pay? does not charge any fees for loan applications. Myfinance charge £5.00 to complete the application which is non-refundable after 14 days. The lender may charge an additional fee for their service.

Can I repay the loan early?

You are welcome to settle the loan at any time, although early repayment fees may be charged.

If I am a tenant can I still be accepted for a debt consolidation loan?

Yes you can. You do not have to own a home to take out a loan.

Does provide loans? works with a number of partners for a range of debt solutions including loans. All loan requests are dealt with by our partner who are part of the Quintessential Finance Group.

Let's Chat -
No Obligation.

If you are simply looking for guidance on which debt solution is right for you. Simply fill out the form below and we'll call you back to discuss your options.

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We provide free information and introduce customers to providers of debt solutions. Reduce Debts do not charge a fee for this service, but a fee may become payable to the provider of the debt solution should you decide to proceed. Any fees charged by the debt solution provider will be made clear before you proceed with an application.
See how you could reduce your debt Call today on >>  0800 2300 025