Debt Consolidation
Simplify your finances by combining multiple debts into one manageable monthly payment.
What is Debt Consolidation?
Debt consolidation is the process of combining multiple debts — such as credit card balances, medical bills, and personal loans — into a single new loan. Instead of juggling multiple payments and interest rates, you make one fixed monthly payment.
Our lender network offers consolidation loans from $2,000 to $100,000. Depending on your credit profile and the types of debt you hold, you may qualify for a lower interest rate than your current obligations.
Debts We Can Help Consolidate
Credit card balances
Medical bills
Payday loans
Store credit cards
Personal loan debt
Student loans (private)
Utility arrears
Old collection accounts
Key Benefits
Simplified Payments
One monthly payment instead of tracking multiple due dates and minimums.
Potentially Lower Rate
A consolidation loan may offer a lower rate than high-interest credit cards.
Fixed Payoff Date
Unlike revolving credit, you know exactly when your debt will be paid off.
Credit Score Impact
Paying off revolving debt can improve your credit utilization ratio over time.
Consolidation Summary
Amount$2,000 – $100,000
Terms24 – 84 months
Rate typeFixed typically
CreditAll types reviewed
CollateralUsually none
Important Disclosure
Debt consolidation may not be suitable for everyone. Consumer Financial Services Co is not a credit counselor. We connect you with lenders — consult a financial advisor if you need debt management advice.