How to Receive a Debt Consolidation Loan With Poor Credit
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How to Receive a Consolidation Loan for Debts with bad credit
Getting a debt consolidation loan with bad credit might require building your credit or even co-signers.
Updated on January 24, 2023
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If you’re looking for a loan if you’ve got bad credit may require some searching around, but there are options, including loans through credit unions and online lenders.
Some lenders are even geared to those who have bad credit (a credit score below 630) and will consider other factors in addition to the score, including income, education and employment experience.
Find out when you should consider a debt consolidation loan is the best option to tackle your debts and how you can get one.
How do you get a consolidation loan?
The loan to consolidate debts loan is an individual loan you use to combine to pay down multiple loans in one go — think credit card balances, medical bills, or any other non-secured personal loans which means you’re left with one monthly installment.
Ideally, this installment comes with a lower interest rate than your current debts, which can save money and help you in getting out of debt more quickly.
Is a debt consolidation loan a good idea?
If you’re having trouble paying off debt and qualify for a low enough interest rate for a loan consolidating debt is usually a good option.
Here are a few benefits:
It saves money on interest. Arguably the biggest benefit of debt consolidation is the money you save on interest by consolidating debt under the lower interest rate. Just a few percentage points makes a big difference in overall interest saved. Use our to see the savings you could make.
You may pay off debt faster. If you consolidate with a lower interest rate and you are able to pay off debt quicker by using the savings to the remaining balance. You can also select the shorter repayment terms for the debt consolidation loan, as long as you are able to afford the monthly payments.
It simplifies the process. Instead of having to keep an eye on multiple debts by taking out the debt consolidation loan you’ll have just one installment to pay. The debt consolidation loans also come with fixed terms, meaning you’ll know the date of your repayment and can keep you motivated.
It could build your credit. Although taking out a debt consolidation loan will temporarily knock some points off your credit score, the overall effect should be positive as you begin to clear your head of debt.
How to obtain an debt consolidation loan even with bad credit
1. Check your credit report
Are mistakes in your credit report to be the reason behind your low credit score? Examine for mistakes like incorrect accounts, improperly reported payments or inaccurate credit limits.
You can access your credit report weekly at no cost with any of the three major credit reporting bureaus– Experian, Equifax and TransUnion — with .
Even a small bump in your credit score could be enough qualify you for a consolidating debt loan. Moving from a low to a fair credit score (630 or 689) can also result in the possibility of a lower cost loan with an interest rate that is lower.
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Another suggestion is to pay off any debts that are small. This lowers your credit utilization, which accounts for 30% of your credit score. This can improve your overall , that lenders use to determine your ability to repay an loan. The lower your DTI ratio higher, the more likely it is that a lender may accept your loan application.
2. Think about an unsecured, jointly-signed or joint loan
Certain loans are easier to obtain, such as co-signed, secured or joint loan.
In a, you make use of collateral like a car or savings accounts to help to secure the loan This means that the lender is more likely to approve you or offer an interest rate that is lower. If you don’t pay back the loan then you’ll lose the collateral.
With a higher credit score or higher income, you could also improve your chances of being approved. Be aware that co-signers assume equally the responsibility of the loan, even though they don’t have access to the funds. If you fail to pay or fail to repay the loan, your co-signer’s credit rating could suffer.
They are similar to co-signed loans However, the co-borrower has equal access to the funds.
>> COMPARE:
3. Shop around and pre-qualify
To find the most affordable rate for consolidating debt loan it is important to examine rates and terms with several lenders. The most efficient way to do this is via . You can get pre-qualified with many online lenders to see estimated interest rates as well as loan amounts. This is a gentle credit check, which doesn’t affect your credit score.
Be sure to look for features that are friendly to consumers like direct payment to your creditors, which means the lender will transfer the loan money to your creditors which makes the process simplerand removing any incentive to make use of the funds to pay for other things.
Want to consolidate your debt? Find out if you qualify for a debt consolidation loan.
Simply answer a few questions to get personalized results of our lenders — with no impact to your score on credit.
The amount of the loan
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4. You can apply for the debt consolidation loan
Once you’ve chosen a lender, you’ll need to make an application for the loan. This is usually done on the internet, and you’ll need to supply personal information, including the Social Security number, and documents that verify the identity of you, your income, and work.
The approval time can differ depending on the lender. You’ll usually receive the funds within one week, although many online lenders offer next-day and same-day financing.
>> MORE:
5. Pay down the debt and make loan payments
Once you receive the funds you have in the account make use of them to pay off your outstanding debts. If the funds are sent to your creditors for you, make sure to confirm with each creditor that your debt has been effectively paid for.
Then, you should create a plan to , which may include building a budget that prioritizes the new monthly payment, as well as keeping an eye on any refinancing opportunities.
Many lenders charge late fees for late payments and report them to credit bureaus, which could hurt your score — therefore, you should consider setting up automatic payments to avoid falling in debt.
Where can I get a credit consolidation loan for people with bad credit
Credit unions
are not-for-profit financial organizations that may offer more flexible terms and lower rates than online lenders.
Federal credit unions cap annual percentage rates for personal loans at 18%.
Some credit unions won’t let you to pre-qualify for an loan and applying for a loan requires a hard credit check and can affect your credit score, making it difficult to find a loan.
It is also required to become an active member of the credit union in order to apply for the loan that could mean being in the area and paying a modest cost for membership. The local credit union is a great option to begin, however national credit unions like and also provide loans for debt relief loans.
Online lender
They are more convenient and usually provide quick financing, but they may charge higher rates for borrowers with bad credit than credit unions do.
There are also online lenders who charge fees to cover the cost of processing your loan. The fee is typically taken out of the loan profits, meaning that you might need to apply for more of a loan to get the full amount you need.
is among the top online lenders for a low-credit loan. If you are approved for a debt consolidation loan and have Upgrade send the funds directly to your creditors, you may get an additional rate reduction of between 1 and 5 percentage points.
Also, they accept applications from those who have bad credit. They also evaluate alternative data in your application, such as academic majors and work experience, which could boost the chances of being approved and getting a low rate.
>> COMPARE:
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4.5 NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers’ experience, and ethical lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
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The amount of the loan is $1,000.
on Upstart
Debt consolidation loan alternatives
If you’re looking to consolidate debt, but loans aren’t the right choice for you Here are some alternatives.
Other debt payment methods
The debt snowball and the debt Avalanche are two popular methods for paying off debt without consolidating.
The strategy uses early successes to keep you on track towards becoming debt-free. The debts are organized in order from the smallest balance to the biggest. Once the smallest debt is paid then the monthly payment for that debt is applied towards the next balance until it’s completely paid off. Then, you continue to pay off each debt until you’re debt free.
This is a very similar method, but it starts with your highest-interest debt. Then when that’s paid off, you tackle the second-highest-interest debt and so forth until all debts are paid. This strategy can save you time and money however it doesn’t offer the instant wins of the snowball strategy.
Debt management plan
A debt management plan from an independent credit counseling agency can reduce your interest rate and help you pay off debt more quickly. It’s an option if you have credit card debt and if you can stick to a payment plan for a period of time while not using the credit cards.
>> MORE:
Bankruptcy
Discharging your debts in bankruptcy is an option if you’re overwhelmed with debt, and will require five years or longer to repay it via consolidation. The bankruptcy process eliminates the majority of unsecure debt, such as medical and credit card debts.
While your credit score may initially suffer a dip but it will begin to recover within a year after filing for bankruptcy.
>> MORE:
Frequently asked questions. Can I apply for debt consolidation with bad credit?
You are able to apply to get a consolidation loan even if you have bad credit as certain debt consolidation lenders are geared towards borrowers with poor credit scores.
What can I do to consolidate all my debts using poor credit?
A consolidation of multiple debts — like credit cards, medical bills as well as payday loans — into one monthly payment. The process of obtaining a debt consolidation loan with poor credit might require shopping around however it is possible.
Where can I get an installment loan with bad credit?
tend to give more consideration for bad credit loan applicants. also offer consolidation loans specifically targeted at borrowers with bad credit.
Do I qualify for debt consolidation with bad credit?
You are able to apply for a debt consolidation loan even if you have bad credit as some debt consolidation lenders specifically offer loans to those with low credit scores.
How can I consolidate all my debts using poor credit?
A combines multiple unsecured debts , such as credit cards, medical bills as well as payday loans — into one monthly installment. The process of obtaining a debt consolidation loan with poor credit may be a bit difficult however it is feasible.
How can I obtain a consolidation loan with poor credit?
tend to give more consideration on low-credit loan applicants. Also, they offer debt consolidation loans specifically for borrowers with poor credit.
About the author: Jackie Veling covers personal loans for NerdWallet.
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