"Save time and money when you learn about and then compare financial services at DebtConsolidationLoan.com."
NAVIGATE THIS SITE →
CHOOSE PROGRAMS
Select a financial service type.
OR...
CHOOSE YOUR STATE
Select your state of residence.
Learn the basics about consolidation loans and find providers, as well as alternatives to obtaining a loan. Use the menus in the section above to find companies and their websites that provide debt help and relief programs. The menus are arranged by type of service or the state that you reside in. Learn about common debt-related terminology and how it is used by following the links below.
Terminology - Terms with definitions, along with those defined in context on this page:
Debt Consolidation Personal Loans Credit Counseling Debt Settlement Debt Consolidation Loans
We also feature personal finance tips and additional resources written by our staff, as well as those provided by a variety of other websites. These are provided to help you get control of your monthly budget and personal finances and save money when shopping for financial services. Do more for yourself than just saving on your current needs. Learn and save money on a go-foward basis!
If you are only interested in obtaining a debt consolidation loan, CLICK HERE for loan programs advertised on this page.
List of Advertisers for Debt Settlement and Credit Counseling Programs:
Please Note: Javascript must
be enabled in your browser for all of the features of this section to display properly.
(advertisement)
Consolidate Debt through CareOne - 800-809-1460.
The providers of CareOne's Debt Relief Services have considerable
experience providing legitimate debt solutions to consumers. Call or
request a free debt analysis online.
Programs: Debt Consolidation through Debt Management / Credit Counseling.
Important Information from CareOne Debt Relief Services: [Open / Close] to read disclosures.
(advertisement)
Debt Consolidation with Consolidated Credit - 888-223-5925.
Over 5 million people have been helped with finding solutions to debt problems by the certified personal financial counselors (CFC) at Consolidated Credit. Call or start online.
Services advertised in:
Consolidate debt through
Credit Counseling / Debt Management.
Why use Consolidated Credit Counseling Services? [Open / Close] to learn more about their company and the service offered.
What
is Debt Consolidation?
General terminology used to describe the combination of multiple debts
owed to lenders into one (typically) smaller and easier to manage payment
amount. It is often assumed that getting a consolidation loan is required
to consolidate debt, however, there are multiple methods of accomplishing
this goal. Each type of debt help (or relief) has its own set of pros
versus cons, and the list can be different for each consumer depending
upon their personal financial situation.
Get more info and...
What
are Personal Loans ?
This type of lending is can be used for consolidating credit card debt and
other (typically) smaller bills, or for a wide variety of other purposes. They can be offered as
unsecured, or they can be secured to a borrower's personal collateral. Unsecured
loans are usually available for smaller amounts of money and qualification
is typically much more difficult than it is for other types of lending.
Get more info and...
What
is Credit Counseling ?
Credit counselors may be able to help a consumer obtain better interest
rates, get penalty fees waived and help them manage their personal finances
better through a consolidation of debt that is managed by the credit counseling
agency. The consumer makes one payment to the counselor's firm,
that (in turn) pays the borrower's creditors. This is why this type
of service is also referred to as debt management.
Get more info and...
What
is Debt Settlement ?
This form of debt relief is the process by which a company negotiates
a lower balance on a consumer's outstanding debts with their creditors.
The credit accounts are closed and the consumer agrees to make payments,
per a schedule, until the balance is paid off. However, any amount of
forgiven debt may be considered taxable income.
Get more info and...
ADDITIONAL INFORMATION:
1. Borrowing from a lender to consolidate bills may or may not lower the
borrower's current interest rates, overall interest cost or even the
minimum monthly payment
amount. a) The available interest rates on a consolidation loan approval may actually
be higher than the existing credit card debt and other bills
that you want to pay off.
If approved, most of what determines the rate offered is due to your credit
rating and the type of loan that you have applied for.
2. Loans are more difficult (in some cases, much more difficult) to obtain than
other forms of debt relief services, such as credit counseling /
debt management, debt
settlement or bankruptcy, as they have a qualification process that relies upon
a set of underwriting guidelines, rather than just required actions on the part of the consumer.
However, they are much less likely to have a negative impact on your current
credit rating. Your credit score may be impacted by taking out new debt, but
mainly, just be sure to make your payments on time.
3. A debt consolidation loan is either unsecured, or secured to an asset
or assets of the borrower.
Next Up: What are Secured and Unsecured Debt Consolidation Loans and what are the different types?
List of Companies Advertising Loans for Consolidating Debt:
(These links open in a new window).
Please Note: Javascript must
be enabled in your browser for all of the features of this section to display properly.
(advertisement)
Need an Unsecured Loan
for Consolidating Debt?
Quickly and easily apply online for an
unsecured personal loan up to $35,000. Less than perfect credit is OK,
but loan requests to borrow more than $1,000 may require a good credit
rating.
COMPANY TYPE:
Personal Loan Aggregator.
OTHER PRODUCTS AND COMPANY INFORMATION. [Open / Close] to learn about the company and their other services.
(advertisement)
Start by choosing your state of residence.*
Personal Debt
Consolidation Loan through LendingClub.
Requires
a good credit rating, but rewards you with great fixed rates on a
personal loan in
an amount up to $35,000 with no prepayment penalties or other hidden fees. Get an
instant rate quote online.
COMPANY
CLASSIFICATION: Peer to Peer Lending.
BASIC REQUIREMENTS FOR BORROWERS? [Open / Close] to read some basic guidelines. *This service is not available in all states. Please open for details.
Review the following directory pages for listings of more companies and services providing debt relief and related financial services to people in need of help dealing with credit debt.
Latest Site Updates / Additions:
- Personal Finance - Today, we introduce our new section covering personal finance topics. This section of the site will focus on providing expanded definitions to terminology that consumers often come across in financial transactions. Learn the basic definitions, similar terminology and how it may apply to your situation.
- What is a Secured Loan? - Section: Personal Finance: Learn the basics of this types of financing, potential benefits and pitfalls, the various types and some factors you may want to consider before you decide that they are the right option for your needs.
DebtConsolidationLoan.com is a free online service. DebtConsolidationLoan.com is not a provider of debt consolidation loans, debt relief programs or any other related financial services. All advertiser information is deemed reliable, but not guaranteed. DebtConsolidationLoan.com is not responsible for the content and services, that may be provided to you, by following the links from this web site, nor does it endorse any of the advertisers listed here. Visit external links at your own discretion.
All website content: Copyright © 2002-2012 debtconsolidationloan.com. All rights reserved.
10711 Horse Creek Ct, Suite 200 Fishers, IN 46038
Privacy Statement / Terms of Use |
Contact us