About Us

Why this site exists, how the guides are written, and where the boundaries are.

Last reviewed: November 2026

Why this site exists

Most borrowing decisions are made under time pressure, with a handful of numbers on a screen and a deadline attached. ConsolidWise was built to slow that moment down. We explain what a rate, a fee or a repayment term actually means for a household budget, so a reader can walk into a lender conversation with better questions.

The guides are written for a general audience in the United States and the United Kingdom. We use broad, commonly understood ranges and say plainly when a figure depends on a lender or on a borrower's circumstances. Nothing here is a quote, an offer, or a promise that an application will succeed.

How we choose topics

We start from the questions people ask after a decision has already gone wrong: why a payment is higher than expected, why an application was declined, or why a consolidation offer did not reduce the monthly outgoings as much as hoped. Each guide takes one of those questions and works back to the mechanics behind it.

The five sections reflect that: comparing loan types, dealing with existing debt, borrowing with a thin or damaged credit file, understanding rates and charges, and the practical questions that come up around applications and repayment.

How the guides are written

Every guide is written from scratch, with its own structure and its own examples. We avoid made-up survey findings and named studies. Where a number is useful we give a rounded range and a hedge, because a figure that varies by lender and by year should not be presented as a fixed fact.

We also aim to include the uncomfortable half of a decision. A lower monthly payment can mean a longer term and more interest overall; a co-signer can improve a rate while taking on a real obligation; paying a loan off early can save interest unless a clause says otherwise.

What we do not do

This is an editorial site, not a lender, a broker, a credit repair service or a counselling agency. We do not accept applications, we do not arrange credit, and we do not receive a fee for a particular product. We do not publish paid product rankings or endorsements.

Independence and corrections

Advertising on the site is delivered by independent third parties. Their presence does not change the text of a guide, and the editorial process is separate from the placement of advertising. If you believe a sentence is wrong or out of date, write to us with the page address and the specific wording; we review every correction request.

We revisit guides as borrowing practice changes, and we update the review date when a page changes materially. Older examples are deliberately written in general terms so they do not become misleading after a rate environment shifts.

Get in touch

Questions, corrections and suggestions are welcome at contact@consolidwise.com. See the Contact Us page for what to include.