Bad Credit Debt Consolidation Loans 

 Direct Lenders

Apply & Qualify to pay off debt today

Bad Credit debt consolidation loans from reputable companies offer low interest rates with instant approval & funding within 1 to 2 working days.

These debt consolidation companies are best for the people with high interest debts such as credit cards, medical bills, high interest loans etc, to lower their interest rates with one monthly payment.

Debt Consolidation Loans for Bad Credit Direct Lender:

  1. Low interest rates
  2. Direct debt payments to pay off high interest credit cards
  3. Flexible repayment terms
  4. Low interest rates
  5. Lower your monthly payments & plan to eliminate debt
  6. Get approved and receive instant funding

 Debt Consolidation Loan with bad or poor credit:

  1. No prepayment penalties
  2. No collateral required.
  3. Loan based on credit score & income.
  4. Debt to income ratio below 50% (not including mortgage debt).
  5. May qualify for a low interest rate discount if you set up automatically withdrawn payments (ACH)
Debt consolidation loan interest rates starts from 4.99%, Checking rates won’t affect your credit score.

Lot of times consolidating debt with a loan is a good idea and in many situations you can get financial freedom, relief from stress.

Example: Retail credit cards are often as much higher rate may be 20% to 24%, by doing consolidation at lower rates you can save lot of money.

  • If you have a bad credit history, it can be improved over a period of time by clearing your debts
  • Before taking a loan for debt consolidation, one should compare the interest rates offered by different companies.

Not just a credit score, direct lenders also consider repayment capacity, character, how long have you been in the job, living in the same home or moving around.

Debt consolidation loans with Bad Credit Easy Approval, Apply now

Apply for easy to get debt consolidation loans online to pay off all of your revolving high-interest debt, an existing loan, refinance mortgage and lower your payments, consolidate bills, pull out cash.

  • Consumer debt consolidation loans comes with lower interest rates than all of your combined payments.

Guaranteed debt consolidation approval lenders are specialize in providing loan for every type of borrowers – whether you have a bad credit score or a lower than average one.

  • More flexibility than banks & tailored to the consumers of all credit types.

Get quick approval and consolidate all of your debts with fixed monthly payment. Compare consolidation loans from various companies with no hard credit check and get best rates & terms in a few steps online.

Bad Credit Debt Consolidation Loans ~ Requirements:

  • Income Source: Employed, Benefits or Self-Employed.
  • Debt to income or DTI ratio: Less than 50%
  • Address proof: rent or own, Social Security Number (SSN).
  • Source of income must be verifiable (bank statements, Paystub)
  • Address & state issued or driver’s licence Id proof is a must.

Checking your rate won’t affect your credit score !

Compare Debt Consolidation loan

Action Plan:
“Don’t quit, when the funds are low and the debts are high”.

Save thousands on your interest rates, find your lowest rate from competing lenders Loans up to $100K.  Pay off loan early, there is no prepayment penalties. It takes less than 10 minutes to get preapproval.

Instant Approval Debt consolidation loan in minutes.

Applying online for debt consolidation loan eliminates high pressure sales tactics. You can complete the deal from the comfort of your home or office.

Getting consolidation loans online is simply a matter of knowing how much loan you want and completing the application form. Everything is right at your fingertips from applying, comparing rates & term, to obtaining financing.

Going forward, kindly note this information before you apply online:

  1. Minimum 3 months and maximum 7 years for repayment.
  2. Annual Percentage Rate (APR) Min 4.99% to Max 36%, which generally includes interest rate plus fees and other costs for a year, or similar other rate calculated consistently with local law.
Compare Debt Consolidation loan

How Debt consolidation loans works?

  • Simple loan application form with no paperwork apply online.

Guaranteed debt consolidation loan typically work like an installment loan with a fixed repayment period.  When you make your monthly payment on time each month, this will help you in getting out of debt and also improve your credit score.

  • Fill out the simple, secure online form & submit.
  • Submit your personal & income details along with credit score, SSN, & address
  • Based on your credit score, income, & loan amount. You will get matched with direct lenders(No cost, no obligation).

For individuals who are struggling to keep up with their repayments on their loans or lines of credit, a debt consolidation loan can be a real lifeline.

debt consolidation loans for fair credit scores

Apply Debt Consolidation loan
Compare consolidation loans before you borrow?
  • You will get pre-approval rates from multiple lenders based on your credit score, history & loan amount.
  • Find & select the lower rates, better terms, monthly payments.
  • Compare APRs, because APR includes origination fee(varies, some companies don’t charge origination fees).
  • See late fees, check processing fees, any other penalties.
  • Find if there is any autopay option available.
  • Select the right loan for you, e-sign the agreement, & receive loan amount.

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Consolidation loan options

  • its free to check your loan offers

Click below & apply online. Fill in the application with basic information about yourself, work, credit score, loan amount etc.. and submit. Wait for the online lenders to review your application in real time.

It’s easy to apply for a loan through pickalender.com(loan marketplace) – It’s application form takes less than 5 minutes and you should be able to get an instant decision.

How credit card Debt Consolidation loans works?

credit card consolidation loans

  • No cost, no obligation to find a loan
  • It won’t hurt your credit ratings
  • Free to use
Credit Card Consolidation Loan

Debt Consolidation Companies for Bad, fair, excellent credit score:

Average debt consolidation loans APR starts at 5.99% to 36% includes origination fee. Your APR is not only based on your credit score but also depends on your loan term, income & DTI.

Note: This is just an estimated APR. You must apply to know your exact APR. APR will be decided using several other factors as well. Checking your rate won’t hurt your credit score.

debt consolidation loan 620 credit score

The interest rate on debt consolidation loan are higher than home equity loan but lower than credit cards, making a good choice to consolidate debt.

1. Quick Tip: There are several ways to pay off debts. It is wise to first ask your family or friends who are willing to lend for 0 to low rates.