Consolidation Loans

If you want to take control of your finances and you’d like to make things simpler by sorting all your loans into one manageable repayment, we offer consolidation loans which might help. We offer loans to hard-working people who may have had a credit blip in the past but are now committed to improving their financial health. Sprout is a direct lender (not a broker).

Loan Calculator

Loan term (months)

18 monthly repayments of: £107.57

Representative APR: 39.9%

Total repayable: £1936.23

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Representative example: Borrow £2,000 over 24 months at Representative 39.9% APR and an Interest Rate of 39.9% p.a. (fixed) with monthly repayments of £116.06 and a total repayable of £2,785.50. Please contact us should you wish to borrow more than £7,500.*

Warning: Late repayment can cause you serious money problems and may make obtaining credit more difficult in the future. For free, confidential and impartial debt advice contact charitable organisations such as the Money Advice Service and Citizens Advice Bureau.

Eligibility Criteria

Over 18 and a UK resident
Have a bank or building society account
Receive a regular income
Have no CCJs, defaults or debt management plans in the past 12 months

3 Simple Steps

Phone 033 3939 9393 to apply.
Give us some information about yourself.
Get a decision within 48 hours.
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Less than perfect credit history?

If your credit rating is not as good as you'd like it to be, due to circumstances beyond your control, you can still apply for a Sprout Consolidation Loan if you meet our eligibility criteria. Most traditional lenders simply won't consider people with a less than perfect credit history or those in an IVA.

At Sprout, it's a different story. We don't rely solely on automated credit checks. We're more interested in your credit future than your credit history.