Paying more than you need to each month?
If you’ve got several payments going out each month and it’s getting hard to keep track, you might be able to bring them together into one. Lots of people find it makes things simpler.
What it could look like
You could pay less by
Does this sound familiar?
Multiple payments going out on different dates, high interest building up, and the feeling that you’re not really getting anywhere. You’re not alone — it’s more common than you’d think.
Multiple due dates to keep track of, and charges if you miss one
Credit card rates of 20–30% that make it hard to make a dent
Not much left over each month for the things you actually want to do
One payment. One date. A lot simpler.
Albot looks for a secured loan that could bring everything together into one monthly payment — often at a lower rate.
It’s pretty straightforward
No paperwork. No phone calls. Just a quick chat and you’ll see what’s possible.
Tell us what’s going on
Have a quick chat with Albot about your current payments. No forms, no jargon — just a conversation.
⏱ ~90 secondsSee what’s out there
Albot checks over 100 lenders and shows you options that could work for your situation.
⚡ Options shown instantlyTake your time
Look through everything at your own pace. If you like what you see, we’ll help with the next steps.
🎉 No pressureWhy use Albot for debt consolidation?
We wanted to make it easier to find the right option without the usual stress. Here’s what makes Albot different.
Options matched to you
Albot checks your details against over 100 lenders to find options that could suit your situation. Not generic results — options based on you.
Quick and easy
See what’s available in about 90 seconds. No appointments, no waiting around.
Everything upfront
You’ll see all the costs before you go any further. No surprises.
Up to 50% lower broker fees
Our tech keeps costs low, so we can often offer lower fees than you’d pay elsewhere.
What do people use it for?
Whether you’re looking to simplify your payments or fund something for your home, a secured loan could be worth exploring.
Debt consolidation
Bring credit cards, loans, and other payments together into one monthly amount — often at a lower rate. It can make things a lot easier to manage.
Home improvements
Thinking about a new kitchen, an extension, or a bathroom? You could spread the cost while adding value to your home.
Don’t just take our word for it
Here’s what people have said after using Albot to consolidate their debts.
My monthly payments went from about £1,500 down to less than £459. It’s made such a difference — I actually have money left over at the end of the month now.
The quote Albot showed me was exactly what I ended up getting approved for. No surprises, no “oh actually it’s a bit more” — just honest numbers from the start.
I wasn’t looking forward to it, but chatting with Albot was genuinely easy. Had my options in about 2 minutes and the fees were about half what another broker quoted me.
Questions people ask
Here are answers to the things people ask us most often.
What actually is a secured loan?
A secured loan uses your home as security, which usually means you can borrow more at a lower interest rate than unsecured options like credit cards or personal loans. It’s a common way to consolidate debts or fund bigger expenses. Your home is at risk if you don’t keep up repayments.
How much could I borrow?
Typically from around £15,000 up to £1.5 million, depending on the equity in your home and your ability to repay. Albot works out what you might be eligible for based on your circumstances — it only takes about 90 seconds to check.
Will it affect my credit score?
No. Checking your options with Albot uses a “soft search” which doesn’t appear on your credit file or affect your score. A full credit check only happens if you decide to go ahead with an application.
What fees are involved?
There are no upfront costs, and a free property valuation is included. Our broker fees are typically up to 50% lower than other major brokers — and you’ll see exactly what you’d pay before you go any further.
What if my credit history isn’t great?
Because a secured loan uses your home as security, lenders are often more flexible about credit history. Albot searches specialist lenders who consider all kinds of credit profiles — so even if you’ve been turned down elsewhere, it’s still worth checking.
Want to see what your options look like?
It takes about 90 seconds, there’s no commitment, and it won’t affect your credit score.
See what you could saveRepresentative Example (Secured Loans & Second Charge Mortgages): If you borrow £18,000 over 10 years, initially on a fixed rate for 5 years at 7.4% and for the remaining 5 years on the lender’s standard variable rate of 7.9%, you would make 60 monthly payments of £249.27 and 60 monthly payments of £254.63. The total amount of credit is £19,657 (including a lender fee of £595 and a broker fee of £1,062). The total amount repayable would be £30,234. The overall cost for comparison is 10.42% APRC representative. This means 51% or more of customers receive this rate or better for this type of product.
Albot is an introducer and technology platform, not a lender and not a broker. Applications may be passed to Loan.co.uk Ltd, which acts as a credit broker, not a lender. Rates are subject to status, affordability checks and lender critia.