Compare the representative APR, total amount repayable and any fees, rather than focusing only on the monthly payment. The rate you are offered will depend on your circumstances, credit history, loan amount and term, so the advertised rate may not be available to you. Use eligibility checkers with soft searches where possible, and check whether consolidating will actually cost less than keeping your existing debts. If you are struggling to maintain repayments, consider free debt guidance before applying, such as MoneyHelper or a debt charity.