Debt Consolidation Personal Loans
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How Debt Consolidation Works
Instead of juggling several payments, interest rates, and due dates each month, you take out one loan and use it to pay off your existing balances
Typical debts consolidated include:
Credit cards
Store cards
High-interest personal loans
Medical balances
Small revolving credit accounts
This gives you one payment, one timeline, and a clearer payoff path.
Potential Benefits
Although results vary by borrower, a consolidation loan may offer:
Typical debts consolidated include:
One fixed monthly payment
Easier budgeting and no surprise increases.
A predictable payoff date
You know exactly when the loan ends, unlike revolving credit.
Opportunity for a lower rate
If your credit has improved or if your current debts have high interest rates, a consolidation loan may reduce your cost, but it’s not guaranteed.
Financial clarity
Less mental load, fewer logins, fewer due dates.
Important Considerations
Debt consolidation is helpful, but not perfect for everyone.
You may pay more interest overall
If your new loan has a long term, the total cost may be higher even with a lower APR.
Not all borrowers qualify for better rates
Approval depends entirely on the lender’s criteria.
Some lenders charge origination fees
Always review total costs, not just the advertised rate.
Missing payments can still hurt your credit
Consolidation does not eliminate the need for discipline.
Who Debt Consolidation May Help
This type of loan can be helpful if you:
But it is not a quick fix. It works best when combined with healthy financial habits.
Our Approach to Responsible Borrowing
We believe consolidation should be about regaining control, not taking on unnecessary debt.
We encourage borrowers to:
- Compare multiple offers
- Understand APR vs total cost
- Avoid taking new credit while consolidating
- Be cautious of predatory lenders or unrealistic promises
A consolidation loan can help, but only when used thoughtfully.
How It Works Through Our Platform
Step 1: Submit your information
Choose “Debt Consolidation” as your loan purpose.
Step 2: We connect you with lending partners
Your request may be reviewed by lenders that operate in your state.
Step 3: Compare and decide
You may see different offers with different:
- APR ranges
- Monthly payment amounts
- Repayment terms
- Total repayment costs
- Any origination or service fees
You choose what fits, no obligation.
Credit Check Transparency
Soft inquiry first
typically no impact to your score
Hard inquiry only if you proceed
may impact your score
We believe in explaining this clearly upfront.
Compliance Notice
We are not a lender and do not approve loans.
We do not guarantee lower interest rates, better terms, or approval.
Submitting a request does not guarantee an offer.
All loan terms, fees, APR ranges, and approval decisions are set by the lender.
Always read lender disclosures before accepting any loan.