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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.
What are the best options for debt consolidation?
A personal loan: Personal loans can be an option for debt consolidation, as you can use the funds for any purpose. They may come with higher interest rates than other consolidation options, though. The average rate on personal loans is around 9%, according to the Federal Reserve Bank of St. Louis.
How can I consolidate my debts with a second mortgage?
A home equity loan or HELOC: If you own a home, you can use a home equity loan or home equity line of credit (HELOC) to consolidate your debts. These are both second mortgages that allow you to borrow against your home equity.
What’s the average interest rate for a debt consolidation loan?
If your score is below 630, expect a personal loan from an online lender to carry rates between 26.7% and 32.4% APR, according to NerdWallet data. A debt consolidation loan makes sense if the new loan carries a lower APR than your current debts, and helps you get out of debt faster.