Consolidation Loans

Nobody should feel forced to borrow money from a high-interest lender. That’s why we offer fair and affordable finance at Moneywise.

If you’ve taken out multiple loans, you might be struggling to balance them all at once. It only takes one bad month to fall behind with payments after all, and it can take a lot longer to climb out of financial trouble.

In this situation, our Consolidation Loan might be the solution you’ve been searching for. To combine all of your loans into one manageable payment schedule, simply apply for a Moneywise loan that matches the amount you owe to other lenders. We’ll do the rest.

Not only could this reduce your monthly payments and existing interest, but our Consolidation Loan could also improve your credit rating and reduce the impact of financial stress in your life!

To apply you must:

  • Be aged over 18
  • Agree to Moneywise Credit Union rules

New members please apply here for your Consolidation Loan.

Existing members please apply here for your Consolidation Loan.


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Membership is open to all who live and work in the Tyne and Wear, County Durham, Teesside or Northumberland region.

Joining Moneywise is free, subject to a £1 annual membership fee,  all we ask is that you save regularly to support our funds for lending. We only lend to members so you can be confident your savings are being used to support like-minded individuals.

South Tees Community Bank

South Tees Community Bank and Moneywise Credit Union Ltd merged into one business in December 2017. Moneywise is the regulated name and South Tees Community Bank is a trading name of the merged organisation.

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