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Debt consolidation and debt consolidation services are very similar. But they have very different attributes. It's important to get informed on the differences between the two so you know which type of plan is best for you. If you're unsure, here are some questions to ask before getting a debt consolidation service.

How many debt consolidation services will I be assigned? - There is a difference between debit consolidation and debt consolidation. Debit consolidation services can provide you with both credit counseling and a debit consolidation loan. A credit counseling service is usually the first step in this process and will help you decide what your next steps should be. These credit counseling companies are a great resource because they help you make informed decisions before actually getting your new loans.

Will the debit consolidation loan come out of my credit card bill? - In some cases, the debt consolidation company can even help you out with that. Usually, it will take a few payments to get the actual consolidation loan and this is just another financial burden you don't need. You can also pay the amount you owe by direct deposit into your bank account. Direct deposit is an easy way to make sure you keep track of the monthly payments that you have made to the credit company.

Will there be any paperwork involved in the debt consolidation? - Debt consolidation and debit consolidation services require you to fill out a paper application to help them determine whether or not you are qualified for a debt consolidation loan. Your application will generally include your income, employment history, credit score, previous financial information, and your current financial situation. There are typically multiple creditors on your credit report.

Do debt consolidation services just offer loans or credit cards? - The term "debt consolidation" means a consolidation of all your unsecured debts into one loan. Credit cards and loans can often be lumped into the same definition.

Do credit card companies force me to use the consolidated loan when I have already paid off my debt? - No, credit card companies do not force you to use their services.

How do I choose between the different debt consolidation companies? - When you use a debt consolidation company, they will send you offers from a variety of companies. When you compare them side by side, you can pick the one that fits your needs best.

Do debt consolidation and debt consolidation services have fees? - Debit consolidation services usually do not charge upfront fees, but most do have transaction fees.

Available loan size: Between $1,000 – $35,000

Minimum credit score needed: 640

Unavailable states: Iowa, Idaho, Maine, Mississippi, North Dakota and Nebraska

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Available loan sizes: Between $2,000 – $35,000

Minimum credit score needed: 640

Unavailable states: Iowa, Maine, North Dakota

Get a Rate Quote


Available loan size: Between $1,000 – $25,000

Minimum credit score needed: N/A

Available loan terms: 3 years

Unavailable states: Loans currently only available to borrowers in California, Florida, Maryland, Virginia, Georgia, Illinois, Ohio and Louisiana