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Alabama Debt Consolidation Loans

Find Debt Relief and Consolidation Loan Companies in AL

State Capitol: Montgomery
Largest City: Birmingham

Alabama debt consolidation loans

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Alabama Debt Consolidation Loan Directory - Use this menu to find companies providing debt help and relief services in AL.

Click on a service to jump ahead to a specific list of available providers covering Alabama. Wrong State? Use the menu above or find local border states.

We also offer general Alabama reference information and personal finance tips to help you get a handle on your finances and save money when shopping online for financial services. Do more than just save money now. Learn and save money on a go-forward basis!


Debt Consolidation Without a Loan

TOO MUCH DEBT? Consolidate or manage your bills in Alabama without needing to take out new loans.

Debt Help Programs Included in This List - Debt Settlement and Credit Counseling.

The Basics - These programs are ideal for someone that wants to do a debt consolidation, but cannot because they have too much debt to fit into a loan. Either the resulting payment would be too large, or they cannot get an approval for a loan because of a bad credit history, lack of sufficient income or other reasons (as determined by the lender). PLEASE NOTE: 1) Impact on Credit? Using these programs may have a negative impact on your credit history, but if you have already made late payments and are unable to get your credit card debt under control by yourself, one of these program options may still be best for your personal financial needs. 2) Examine all Options. Evaluate ALL of your available options thoroughly by examining the pros and cons of each before signing up for a service. Request a full list of fees and an explanation of each... up front! Look up the company's name with popular rating sites or the state government to see if it has a complaint history. 3) Right for You? Don't simply take the first help offered to you. First, make sure that it is the right help for your needs. A poor decision could put you in an even worse situation!
[AKA / Similar / Related Terms: Bill consolidation, consolidate debt and credit card consolidation.]

Debt Settlement - With this type of debt relief, which is considered a debt consolidation alternative, the consumer gets assistance from a company that negotiates a lower balance on the outstanding debt owed. The debts negotiated for must be unsecured. That is, your debts cannot be tied to collateral, such as a car loan or mortgage.
[AKA / Similar / Related Terms: Debt Reduction, debt arbitration, credit settlement and debt negotiation.]

Credit Counseling - When consolidating debt with a credit counseling firm, the counselor attempts to negotiate lower interest rates, get assessed penalty fees waived and assist the borrower with getting their credit card debt and other unsecured obligations under control. The consolidation occurs when a consumer allows the counselor to take over control of his/her payments. The borrower then makes one "consolidated" payment to the credit counseling agency, which in turn, makes payments to the creditors.
[AKA / Similar / Related Terms: Debt management, budget service company, debt pooling service and budget counseling.]

List of Advertisers for Debt Settlement and Credit Counseling Programs in Alabama:
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Get started with CareOne

Consolidate Debt through CareOne in AL - 800-809-1460.
The providers of CareOne's Debt Relief Services have considerable experience providing legitimate debt solutions to AL consumers. Call or request a free debt analysis online.
Programs available in AL: Debt Consolidation through Debt Management / Credit Counseling.

Important Information from CareOne Debt Relief Services: [Open / Close] to read disclosures.

 

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LowerMyBills for Debt Consolidation

Debt Help and Tax Debt Relief in AL through LowerMyBills.
Get matched with and receive personalized quotes from up to four companies providing debt relief programs in Alabama. Fill out one easy and secure online request form to get started.
Services available from partners in AL: Debt Negotiation, Debt Consolidation and Tax Debt Relief.

More about LowerMyBills. [Open / Close] to learn more about their service.

 

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Personal Loans for Debt Consolidation

HAVE GOOD to GREAT CREDIT, BUT TOO MUCH DEBT? Consolidate debt with an unsecured personal loan in Alabama.

Loan Programs / Companies Included in This List - Direct lenders, aggregators and peer to peer lending. Keep in mind... each company has different criteria for approving loans (underwriting guidelines). Although they generally require good credit, not all lenders evaluate applications for loans exactly the same way. This results in the possibility of being approved with one lender, even after being turned down by another.

The Basics - Because they are unsecured (require no collateral), a personal loan is considerably more difficult to qualify for as a debt help option. When used as debt consolidation loans, they are especially difficult to obtain as a consumer typically needs a larger size loan when consolidating bills. Also, because of the risk to the lender, the interest rates may be considerably higher than other types of loans.
[AKA: Unsecured loans, signature loans and note loans.]

Direct Lenders - You apply online 'directly' with the company (lender) that will either deny, or approve and fund your loan request.

Aggregators - These websites essentially operate as a broker and take your application info and act as agents on your behalf to help you find and obtain a loan. They do not actually lend money, however, they do have an advantage in that they can shop multiple programs and lenders at once to try and get your application approved.
[AKA / Similar / Related Term(s): Loan broker.]

Peer-to-Peer Lending - This form of borrowing is made available through the money of other consumers. These companies act as an intermediary network that matches prospective borrowers to individuals willing to lend (invest) in loan requests that meet pre-set underwriting guidelines. Their claim is that they are cheaper for consumers to use, as they cut out the middlemen, such as banks, finance companies and other lenders.
[AKA: P2P lending, peer lending, person-to-person lending and social lending.]

List of Companies Advertising Personal Loans for Debt Consolidation in Alabama: (These links open in a new window).
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Get started with LendingClub

Personal Debt Consolidation Loans in AL with LendingClub. 
Requires a good credit rating, but rewards you with great fixed rates on loans in amounts up to $35,000 with no prepayment penalties or other hidden fees. Get an instant rate quote online.
COMPANY CLASSIFICATION: Peer to Peer Lending.

What are the Basic Requirements for Borrowers at LendingClub? [Open / Close] to read some basic guidelines and disclosures.

 

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Apply now with OneMain Financial

Consolidate Debt with a Personal Loan in AL with OneMain Financial. 
Apply online for unsecured and secured * personal loans** from $300 to $10,000 with fixed rates, clear terms and multiple payment options. If approved by noon, you could receive the money the same day.
TYPE OF LENDING: Direct Lender.

PLEASE NOTE: * Secured loans use a borrower's car as collateral. ** These loans cannot be used for business purposes.

 

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Alabama, USA Information

AL / Alabama, nicknamed the Yellowhammer State, is located in the southeastern region of the United States. The state of Alabama (AL) has a population of 4,557,808 according to the 2005 census. It covers 52,423 square miles, making it the 30th largest state in the country by area.

Alabama Map location External Site - Alabama's State Google Map -  [] External Site - State of Alabama.

AL Border States - Come to wrong state directory? Use the pull-down menus at the top of this page or use the list of adjacent states below.

Significant Cities:

Montgomery is the state capital of Alabama, and is a city rich with American history. The largest city (in terms of population) in the state is Birmingham, which is regarded as a center for medical research, banking, music and art, technology, engineering and higher education.

Major AL Cities / Towns (general) Information:

 

Personal Finance Tips

Make the right decisions when shopping for debt consolidation and related financial services. Educate yourself!

The Debt Consolidation Loan Directory has a growing library of informative financial resources for consumers shopping for many types of financial services, such as consolidating bills and home loans. Their is no better way to make decisions regarding the management of your personal finances than to become educated. Please feel free to visit our personal finance library for a complete list of helpful information.

About Us

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