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What You Don't Know About $255 Payday Loans Online Same Day May Shock …
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How to get a Debt Consolidation Loan With Bad Credit
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How to get a Debt Consolidation Loan With Bad Credit
The process of obtaining a debt consolidation loan with bad credit may require building your credit or co-signers.
The last update was on Jan. 24 2023.
The majority or all of the products featured here are from our partners who compensate us. This influences which products we write about and the location and manner in which the product appears on the page. However, this doesn't influence our evaluations. Our views are our own. Here is a list of and .
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Finding a loan even if you have poor credit might need some research however, there are other options which include loans through credit unions and online lenders.
Some lenders even cater specifically to borrowers with bad credit (a credit score less than 630) and will consider other factors in addition to the score, such as education, income and job background.
Find out when the debt consolidation loan is a good idea for tackling your debt and how you can get one.
How do you get a consolidation loan?
An loan to consolidate debts loan is an individual loan you use to combine the payment of multiple obligations at once (think credit card balances, medical bills, or other unsecure personal loans -- so you're left with one monthly installment.
In the ideal scenario, this installment comes with a lower interest rate than the debt you currently have and can help you save money and help you pay off debt quicker.
Is a debt consolidation loan a good idea?
If you're struggling to pay off debt and qualify for a favorable interest rate on the loan, debt consolidation is generally a great option.
Here are a few advantages:
It helps save cash on interest. The most significant benefits of debt consolidating is amount you save on interest by condensing debt to a lower rate. Even a couple of percentage points can make a significant difference in the total amount of interest saved. Check out our calculator to determine the savings you could make.
You can be able to pay off debt quicker. If you consolidate debt with a lower interest rate it will allow you to get out of debt faster by applying the savings to your remaining balance. You can also choose the shorter repayment terms for the debt consolidation loan so long as you are able to manage the monthly payments.
It simplifies the process. Instead of having to keep track of multiple debts, by taking out a debt consolidation loan you'll only have one payment to make. The debt consolidation loans also have fixed terms. This means you'll know your payoff date that can help keep you focused.
It can help build credit. Although taking out a debt consolidation loan will temporarily knock some points off your credit score, the overall result should be positive once you begin to get rid of the debt.
How to obtain an debt consolidation loan with poor credit
1. Check your credit report
Are mistakes in your credit report the reason your score is low? Examine for mistakes like incorrect accounts, incorrectly reported payments , or incorrect credit limits.
You can check your credit report weekly at no cost with each of the three major credit reporting bureausthree bureaus namely Experian, Equifax and TransUnion -- with .
A small increase on your score may be a good candidate for an credit consolidation loan. A change from a poor to a fair credit score (630 up to 689) could lead to an easier to afford loan with an interest rate that is lower.
>> MORE:
Another tip is to pay off any small debts. This will lower your credit utilization which is 30% of the credit score. This can improve your overall , which lenders use to assess your ability to repay an loan. The lower the DTI ratio is, the more likely the lender will accept you for a loan application.
2. Take into consideration the possibility of a co-signer, secured or joint loan
Some are more straightforward to qualify for, including a secured, co-signed or joint loan.
When you take out a loan, you utilize collateral such as a car or even a savings account, to help ensure the loan and the lender is more likely to accept you or provide a lower interest rate. But if you fail to pay back the loan you forfeit the collateral.
With a higher credit score or higher income, you could also improve your chances of being approved. But, keep in mind that a co-signer takes on equally the responsibility of the loan regardless of the fact that they don't have access to the funds. If you miss payments or fail to repay the loan the co-signer's credit rating could suffer.
are similar to co-signed loans However, co-borrowers have the same access to the funds.
>> COMPARE:
3. Do some research and get pre-qualified
For the best price for the debt consolidation loan, you'll want to examine interest rates and terms from different lenders. The most efficient way to do this is via . You can apply for pre-qualification with the majority of online lenders to see estimated interest rates as well as loan amounts. This requires a soft credit test, which won't hurt your credit score.
Additionally, look for features that are more user-friendly like direct payment to your creditors, which means the lender will transfer the loan funds to your creditors which makes the process simpler- and eliminating any temptation to make use of the funds to purchase something else.
Want to consolidate your debt? Check if you are eligible for a consolidating debt loan.
Just answer a few questions to get personalized results from our lending partnersand without impact on your score on credit.
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4. You can apply for the debt consolidation loan
Once you've chosen the lender you'll have to make an application to get the loan. This process is typically online and you'll be required to supply personal information such as details about your Social Security number, and documents to prove your identity, income, and work.
The approval time can differ depending on the lender. The funds will typically be received within a week, but some online lenders provide the same day and next-day funds.
>> MORE:
5. Pay down the debt and make loan payments
Once you receive the funds on your bank account, use these funds for paying off outstanding debts. If the funds are being transferred to your creditors on behalf of you, confirm to each of your creditors that the debt was effectively paid for.
The next step is to create a strategy to implement, this could include building an budget that prioritizes your monthly payments as well as keeping an eye on any refinancing opportunities.
The majority of lenders charge late fees for payments that are not made and report them to the credit bureaus, which can affect your credit score so you might want to set up automatic payments to prevent falling behind.
How to obtain an credit consolidation loan for people with bad credit
Credit unions
are not-for-profit financial organizations that might offer flexible terms and lower rates than online lenders.
Federal credit unions have capped the annual percentage rate on personal loans at 18%..
Some credit unions don't allow you to be pre-qualified for an loan; applying will require a credit check, which can temporarily lower your credit score and make it difficult to find a loan.
You also need to become an active part of the credit union in order to apply for a loan, which may mean living or working nearby and paying a modest annual membership fee. A local credit union is a good place to start, though national credit unions also provide loans for debt relief loans.
Online lender
are more convenient and often offer quick funding, however they can charge higher rates for those with poor credit than credit unions do.
The online lender may also charge to cover the cost of the processing of your loan. The cost is usually subtracted from the loan proceeds, so you may need to ask for more of a loan to get the full amount you need.
is one of the best online lenders for a bad-credit loan. If you get the debt consolidation loan and then have Upgrade transfer the money directly to your creditors, you could be eligible for an additional rate discount of between 1 and 5 percent.
also accepts applications from borrowers with poor credit. They will evaluate alternative data in your application, such as the major you studied at college and your work history that could increase your odds of approval and receiving a low interest.
>> COMPARE:
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APR 7.74-17.99%
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APR 8.49-35.97%
Loan amount $1,000 - $50,000
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APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
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Achieve
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5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieving
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SoFi
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5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score rates and fees, the customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
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5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we consider to be beneficial to consumers, including the impact on credit scores rate and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on LendingClub
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5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
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on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
Debt consolidation loan alternatives
If you're in debt and consolidation loans won't work for you Here are some alternatives.
Other debt payoff methods
The debt snowball as well as the debt avalanche methods are popular strategies to pay off debt without consolidating.
The uses early wins to keep you on the right track to become debt-free. With this approach, debts are ordered starting with the lowest balance and ending with the largest. After the debt that is the smallest is repaid, the monthly payment for that debt goes toward the next lowest balance until it's completely paid off. Then, you continue to pay off each debt until you're debt-free.
It's a similar approach, but it starts with your most-interest-paying debt. Then when that's paid off, you tackle the second-highest-interest debt and so forth until all debts are paid. This strategy can save you money and ultimately time however, it does not have the quick wins of the snowball method.
Debt management plan
A debt management plan offered by an agency for credit counseling that is non-profit can help reduce the interest rate on your debt and help you pay off debt more quickly. It's an option for those who have debt on credit cards and if you can stick to a payment schedule for a long time without making use of credit cards.
>> MORE:
Bankruptcy
The option of releasing your debts through bankruptcy may be an option if you are overwhelmed by debt and need five years or longer to pay it off through consolidation. Bankruptcy wipes out most kinds of unsecure debt, such as medical bills and credit cards.
While your credit score may initially take a hit however, it will rebound within a year of filing for bankruptcy.
>> MORE:
Most frequently asked questions: Can I get a debt consolidation loan with bad credit?
You are able to apply for debt consolidation loan even if you have bad credit as certain debt consolidation lenders are geared towards borrowers with poor credit scores.
What can I do to consolidate all my debt with bad credit?
A consolidation of multiple debts -- like credit cards, medical bills as well as payday loans -- into one monthly installment. The process of obtaining a consolidating debt loan with bad credit may require some research, but it's feasible.
Where can I get a consolidation loan with bad credit?
tend to look more favorably on low-credit loan applicants. Also, they offer debt consolidation loans specifically for borrowers with bad credit.
Can I apply for debt consolidation if I have bad credit?
You can apply for a debt consolidation loan even having bad credit as some debt consolidation lenders specifically are geared towards borrowers with poor credit scores.
How do I consolidate my debts with bad credit?
A debt consolidation loan combines several unsecured loans -- such as medical bills, credit cards and payday loans -- into one monthly installment. The process of obtaining a consolidating debt loan with poor credit might be difficult but it's feasible.
Where can I find an installment loan with poor credit?
tend to give more consideration on bad-credit loan applicants. Also, they offer loans for debt consolidating loans specifically designed for those with poor credit.
Author bio Jackie Veling covers personal loans for NerdWallet.
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How to get a Debt Consolidation Loan With Bad Credit
The process of obtaining a debt consolidation loan with bad credit may require building your credit or co-signers.
The last update was on Jan. 24 2023.
The majority or all of the products featured here are from our partners who compensate us. This influences which products we write about and the location and manner in which the product appears on the page. However, this doesn't influence our evaluations. Our views are our own. Here is a list of and .
Table of Contents
Table of Contents
Finding a loan even if you have poor credit might need some research however, there are other options which include loans through credit unions and online lenders.
Some lenders even cater specifically to borrowers with bad credit (a credit score less than 630) and will consider other factors in addition to the score, such as education, income and job background.
Find out when the debt consolidation loan is a good idea for tackling your debt and how you can get one.
How do you get a consolidation loan?
An loan to consolidate debts loan is an individual loan you use to combine the payment of multiple obligations at once (think credit card balances, medical bills, or other unsecure personal loans -- so you're left with one monthly installment.
In the ideal scenario, this installment comes with a lower interest rate than the debt you currently have and can help you save money and help you pay off debt quicker.
Is a debt consolidation loan a good idea?
If you're struggling to pay off debt and qualify for a favorable interest rate on the loan, debt consolidation is generally a great option.
Here are a few advantages:
It helps save cash on interest. The most significant benefits of debt consolidating is amount you save on interest by condensing debt to a lower rate. Even a couple of percentage points can make a significant difference in the total amount of interest saved. Check out our calculator to determine the savings you could make.
You can be able to pay off debt quicker. If you consolidate debt with a lower interest rate it will allow you to get out of debt faster by applying the savings to your remaining balance. You can also choose the shorter repayment terms for the debt consolidation loan so long as you are able to manage the monthly payments.
It simplifies the process. Instead of having to keep track of multiple debts, by taking out a debt consolidation loan you'll only have one payment to make. The debt consolidation loans also have fixed terms. This means you'll know your payoff date that can help keep you focused.
It can help build credit. Although taking out a debt consolidation loan will temporarily knock some points off your credit score, the overall result should be positive once you begin to get rid of the debt.
How to obtain an debt consolidation loan with poor credit
1. Check your credit report
Are mistakes in your credit report the reason your score is low? Examine for mistakes like incorrect accounts, incorrectly reported payments , or incorrect credit limits.
You can check your credit report weekly at no cost with each of the three major credit reporting bureausthree bureaus namely Experian, Equifax and TransUnion -- with .
A small increase on your score may be a good candidate for an credit consolidation loan. A change from a poor to a fair credit score (630 up to 689) could lead to an easier to afford loan with an interest rate that is lower.
>> MORE:
Another tip is to pay off any small debts. This will lower your credit utilization which is 30% of the credit score. This can improve your overall , which lenders use to assess your ability to repay an loan. The lower the DTI ratio is, the more likely the lender will accept you for a loan application.
2. Take into consideration the possibility of a co-signer, secured or joint loan
Some are more straightforward to qualify for, including a secured, co-signed or joint loan.
When you take out a loan, you utilize collateral such as a car or even a savings account, to help ensure the loan and the lender is more likely to accept you or provide a lower interest rate. But if you fail to pay back the loan you forfeit the collateral.
With a higher credit score or higher income, you could also improve your chances of being approved. But, keep in mind that a co-signer takes on equally the responsibility of the loan regardless of the fact that they don't have access to the funds. If you miss payments or fail to repay the loan the co-signer's credit rating could suffer.
are similar to co-signed loans However, co-borrowers have the same access to the funds.
>> COMPARE:
3. Do some research and get pre-qualified
For the best price for the debt consolidation loan, you'll want to examine interest rates and terms from different lenders. The most efficient way to do this is via . You can apply for pre-qualification with the majority of online lenders to see estimated interest rates as well as loan amounts. This requires a soft credit test, which won't hurt your credit score.
Additionally, look for features that are more user-friendly like direct payment to your creditors, which means the lender will transfer the loan funds to your creditors which makes the process simpler- and eliminating any temptation to make use of the funds to purchase something else.
Want to consolidate your debt? Check if you are eligible for a consolidating debt loan.
Just answer a few questions to get personalized results from our lending partnersand without impact on your score on credit.
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4. You can apply for the debt consolidation loan
Once you've chosen the lender you'll have to make an application to get the loan. This process is typically online and you'll be required to supply personal information such as details about your Social Security number, and documents to prove your identity, income, and work.
The approval time can differ depending on the lender. The funds will typically be received within a week, but some online lenders provide the same day and next-day funds.
>> MORE:
5. Pay down the debt and make loan payments
Once you receive the funds on your bank account, use these funds for paying off outstanding debts. If the funds are being transferred to your creditors on behalf of you, confirm to each of your creditors that the debt was effectively paid for.
The next step is to create a strategy to implement, this could include building an budget that prioritizes your monthly payments as well as keeping an eye on any refinancing opportunities.
The majority of lenders charge late fees for payments that are not made and report them to the credit bureaus, which can affect your credit score so you might want to set up automatic payments to prevent falling behind.
How to obtain an credit consolidation loan for people with bad credit
Credit unions
are not-for-profit financial organizations that might offer flexible terms and lower rates than online lenders.
Federal credit unions have capped the annual percentage rate on personal loans at 18%..
Some credit unions don't allow you to be pre-qualified for an loan; applying will require a credit check, which can temporarily lower your credit score and make it difficult to find a loan.
You also need to become an active part of the credit union in order to apply for a loan, which may mean living or working nearby and paying a modest annual membership fee. A local credit union is a good place to start, though national credit unions also provide loans for debt relief loans.
Online lender
are more convenient and often offer quick funding, however they can charge higher rates for those with poor credit than credit unions do.
The online lender may also charge to cover the cost of the processing of your loan. The cost is usually subtracted from the loan proceeds, so you may need to ask for more of a loan to get the full amount you need.
is one of the best online lenders for a bad-credit loan. If you get the debt consolidation loan and then have Upgrade transfer the money directly to your creditors, you could be eligible for an additional rate discount of between 1 and 5 percent.
also accepts applications from borrowers with poor credit. They will evaluate alternative data in your application, such as the major you studied at college and your work history that could increase your odds of approval and receiving a low interest.
>> COMPARE:
Personal loans by our associates
Debt Consolidation Big Purchase Emergency Home Improvement Medical
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LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores rate and fees, the customer experience and ethical lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
on Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
Loan amount $1,000 - $50,000
on Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we consider to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score rate and fees as well as the customer's experience and responsible lending practices.
APR 6.5-35.99%
Amount of loan: $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score rate and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates mentioned are for AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
Loan amount $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer experience and responsible lending practices.
4.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
On Upgrading
Upgrade
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates, customer experience and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score rates and fees, customer service and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
On Achieving
Achieve
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieve
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled through our team of editors. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 18.0-35.99 percent
The loan amount is $1,500 to $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on Best Egg
on Discover
Discover
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on factors we consider to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Achieve
Achieve
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account aspects we believe are beneficial to the consumer, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
On Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer service and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 6.99-24.99%
Amount of loan $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, such as impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
on Achieving
Achieve
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $50,000
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer service and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score rates and fees, the customer experience and responsible lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we believe are friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, customer service and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and responsible lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers aspects we consider to be beneficial to consumers, including the impact on credit scores rate and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
APR 6.5-35.99%
The amount of the loan is $1,000.
on Upstart
Debt consolidation loan alternatives
If you're in debt and consolidation loans won't work for you Here are some alternatives.
Other debt payoff methods
The debt snowball as well as the debt avalanche methods are popular strategies to pay off debt without consolidating.
The uses early wins to keep you on the right track to become debt-free. With this approach, debts are ordered starting with the lowest balance and ending with the largest. After the debt that is the smallest is repaid, the monthly payment for that debt goes toward the next lowest balance until it's completely paid off. Then, you continue to pay off each debt until you're debt-free.
It's a similar approach, but it starts with your most-interest-paying debt. Then when that's paid off, you tackle the second-highest-interest debt and so forth until all debts are paid. This strategy can save you money and ultimately time however, it does not have the quick wins of the snowball method.
Debt management plan
A debt management plan offered by an agency for credit counseling that is non-profit can help reduce the interest rate on your debt and help you pay off debt more quickly. It's an option for those who have debt on credit cards and if you can stick to a payment schedule for a long time without making use of credit cards.
>> MORE:
Bankruptcy
The option of releasing your debts through bankruptcy may be an option if you are overwhelmed by debt and need five years or longer to pay it off through consolidation. Bankruptcy wipes out most kinds of unsecure debt, such as medical bills and credit cards.
While your credit score may initially take a hit however, it will rebound within a year of filing for bankruptcy.
>> MORE:
Most frequently asked questions: Can I get a debt consolidation loan with bad credit?
You are able to apply for debt consolidation loan even if you have bad credit as certain debt consolidation lenders are geared towards borrowers with poor credit scores.
What can I do to consolidate all my debt with bad credit?
A consolidation of multiple debts -- like credit cards, medical bills as well as payday loans -- into one monthly installment. The process of obtaining a consolidating debt loan with bad credit may require some research, but it's feasible.
Where can I get a consolidation loan with bad credit?
tend to look more favorably on low-credit loan applicants. Also, they offer debt consolidation loans specifically for borrowers with bad credit.
Can I apply for debt consolidation if I have bad credit?
You can apply for a debt consolidation loan even having bad credit as some debt consolidation lenders specifically are geared towards borrowers with poor credit scores.
How do I consolidate my debts with bad credit?
A debt consolidation loan combines several unsecured loans -- such as medical bills, credit cards and payday loans -- into one monthly installment. The process of obtaining a consolidating debt loan with poor credit might be difficult but it's feasible.
Where can I find an installment loan with poor credit?
tend to give more consideration on bad-credit loan applicants. Also, they offer loans for debt consolidating loans specifically designed for those with poor credit.
Author bio Jackie Veling covers personal loans for NerdWallet.
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