One Payment. Lower Rate. Breathe Again.
A debt consolidation loan rolls multiple high-interest debts into a single loan with one monthly payment — often at a significantly lower interest rate. If you qualify, this can be the fastest and least credit-damaging path to becoming debt-free.
Personal Loan
Unsecured loan from a bank, credit union, or online lender. Rates from 7 to 24% depending on credit. No collateral required.
HELOC
Use your home equity at rates as low as 6 to 9%. Lowest cost option if you own a home with equity.
Balance Transfer
Move balances to a 0% intro APR card. Best if you can pay off the balance within 12 to 21 months.
Who Qualifies?
- ✓Credit score 600+ (660+ for best rates)
- ✓Stable income and employment
- ✓Debt-to-income ratio under 50%
- ✓Primarily unsecured debt (credit cards, personal loans)
- ✗Credit score below 580
- ✗Recent bankruptcy or multiple delinquencies
- ✗Very high debt-to-income ratio
- ✗Self-employed with inconsistent income
Do not qualify for a consolidation loan? That is okay — it is one of several options we evaluate. If your credit score is too low, debt resolution may be a better fit. We will run your numbers across all options in your free consultation.
See your options — free, no credit check
We check your loan options without a hard pull on your credit.