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The original was posted on /r/ukpersonalfinance by /u/highnoon888 on 2023-08-11 11:34:53.

Hi all,

Does anyone know of a loan provider that will provide a personal loan for a length longer than my remaining visa?

My visa expires next year in September, but I will be eligible for ILR and will convert to permanent residency. I own a house and have a mortgage, so I have roots in the UK long-term.

I was soft denied by Nationwide for a 48 month loan for debt consolidation and told I could only do an 11 month loan due to my visa.

Are there any mainstream providers that will offer a longer loan term?

For context, I am looking to pay off c.£14,000 in credit card debt, interest rate of 35%. Have been to a counsellor, have a new budget, have the root causes sorted and family supporting me emotionally, but getting eating by nearly £400/m in interest. A personal loan would help wipe this off.