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People also ask
Is a debt consolidation loan right for You?
A debt consolidation loan makes sense for larger debts, and if the new loan carries a lower APR than your current debts and helps you get out of debt faster. Expect a debt consolidation loan to carry rates between 6% and 36% APR. Compare options based on your credit score.
How long does it take to consolidate debt?
These loans usually have repayment terms of 2-to-5 years, depending on the amount borrowed. A secured debt consolidation loan 鈥?just like a secured personal loan 鈥?is backed by collateral such as home, car or property and is the easiest route to consolidation.
How do I use the consolidation calculator to consolidate my debt?
To use our consolidation calculator, enter information for up to 10 credit cards and other unsecured loans you want to consolidate. It’s OK to estimate. Your total balance, combined interest rate, what you pay each month and when you will be debt-free. Select your credit score to see options for debt consolidation.
What are the different types of debt consolidation loans?
A secured debt consolidation loan 鈥?just like a secured personal loan 鈥?is backed by collateral such as home, car or property and is the easiest route to consolidation. Unsecured loans are backed only by a borrower鈥檚 promise to repay. If you want to go the unsecured loan route, add online lenders to the list of lending possibilities.