How to Get a Loan to Consolidate Debt if You Have bad credit
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How to Get a Loan to Consolidate Debts if You Have Poor Credit
Getting a debt consolidation loan with bad credit might be a matter of building credit or even a co-signer.
Last updated on Jan 24, 2023
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If you’re looking for a loan if you’ve got bad credit could require some shopping around, but there are options that include loans from credit unions as well as online lenders.
Certain lenders cater to those who have bad credit (a credit score less than 630) and will consider other factors in addition to the score, including income, education and employment history.
Find out when a consolidating debt loan is a good idea to tackle your debts and how to get one.
What is a debt consolidation loan?
An debt consolidation loan is an individual loan that you can use to consolidate to pay down multiple loans at one time (think of medical bills, or other unsecure personal loans which means you’re left with a single monthly installment.
Ideally, this installment comes with lower interest rates 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 on an loan then debt consolidation is generally a good idea.
Here are some of the advantages:
It saves cash on interest. The most significant benefit of debt consolidation is the money you can save on interest costs by consolidating debt under a lower rate. Even a couple of percentage points makes a big difference in overall interest saved. Utilize our tool to discover your potential savings.
You can be able to pay off debt quicker. If you consolidate at a lower interest rate and you are able to get out of debt faster by using the savings to your remaining balance. You can also choose the shorter repayment terms on the debt consolidation loan in the event that you can manage the monthly payments.
It makes the process easier. Instead of keeping the track of several debts, with debt consolidation loan you’ll have just one payment to make. Debt consolidation loans also come with fixed terms, meaning you’ll know the date of your repayment and can keep you focused.
It could help improve your credit. While taking out a consolidation loan could temporarily knock a few points off your rating, but the long-term effect should be positive as you start to dig out of the debt.
How do you get an debt consolidation loan with poor credit
1. Verify your credit score
Are errors on your credit report to be the reason behind your low credit score? Examine for mistakes like incorrect accounts, incorrectly reported payments , or incorrect credit limits.
You can check your credit report each week at no cost with any of the three major credit bureausthree bureaus namely Experian, Equifax and TransUnion by with .
A small increase within your credit rating could be enough for the possibility of a consolidating debt loan. Going from a bad to a fair credit score (630 or 689) can also result in an easier to afford loan with a lower interest rate.
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Another option is to settle any debts that are small. This lowers your credit utilization which makes up 30% on your score. It can also boost your overall score, that lenders use to determine your ability to pay back a loan. The lower the DTI ratio higher, the more likely it is that an institution will be able to approve the loan application.
2. Consider the possibility of a co-signer, secured or joint loan
Some may be easier to obtain, such as co-signed, secured or joint loan.
When you take out a loan, you utilize collateral like a car or even a savings account, to help guarantee the loan and lenders may be more likely to approve or extend a lower interest rate. If you don’t repay the loan you forfeit the collateral.
With a higher credit score or higher income than you can also increase your chances of getting approved. However, note that a co-signer takes on the same responsibility for the loan, even though they do not have access to the funds. If you fail to pay or don’t pay back the loan, your co-signer’s credit score could be affected.
are similar to co-signed loans however the co-borrower has equal access to the funds.
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3. Shop around and pre-qualify
To get the best deal for the debt consolidation loan You’ll need to examine rates and terms with several lenders. The easiest method is to use . You can get pre-qualified with many lenders online to get estimates of rate and loan amounts. This involves a soft credit test, which won’t affect your credit score.
Additionally, look for features that are more user-friendly like direct payment to your creditors that is, the lender will transfer the loan funds to your creditors making the process easierand removing any incentive to make use of the funds to pay for other things.
Want to consolidate your debt? Check if you are eligible for a credit consolidation loan.
Just answer a few questions and you’ll receive a personalized report from our lending partnerswithout affecting the credit rating.
Loan amount
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4. Apply for the debt consolidation loan
Once you’ve chosen the lender, you’ll be required to make an application to obtain the loan. The process typically takes place online, and you’ll need to provide personal information such as details about your Social Security number, and documents to prove that you are who you say they are, as well as your earnings and employment.
The time to approve varies by lender. You’ll typically receive your funds within a week, however numerous online lenders offer same- and next-day funding.
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5. Reduce the debt and make loan payments
When you have the money you have in the account use these funds for paying off debts. If the money is being transferred to your creditors on behalf of you, confirm to each of your creditors that your debt was successful in being paid.
The next step is to create a strategy to , which may include building a budget that prioritizes the new monthly payment, while keeping an eye out for the refinancing options.
The majority of lenders charge a late fee for missed payments — and then report them to credit bureaus, which can harm your credit score therefore, you should consider setting up automatic payments to prevent falling in debt.
How to obtain a credit consolidation loan for those with bad credit
Credit unions
These are financial institutions that are not for profit and might offer flexible terms and lower rates than online lenders.
Federal credit unions limit annual percentage rates for personal loans at 18%..
Certain credit unions do not allow the applicant to apply for pre-qualification for an loan and applying for a loan for a loan requires a hard credit test that can lower your credit score, making it harder to shop around.
It is also required to become a member of the credit union to apply for a loan, which may mean living or working nearby and paying a small membership fee. The local credit union is a great starting point, but national credit unions like and also offer loans for debt relief loans.
Online lenders
are more convenient and frequently provide fasting funding, but they might charge higher fees for borrowers with bad credit than credit unions do.
Online lenders may also charge to cover the cost for the processing of your loan. The fees are usually taken out of the loan proceeds, so you might have to request an additional loan in order to obtain the complete amount you need.
is one of the most reputable online lenders for a low-credit loan. If you get an installment loan and Upgrade is able to transfer the funds directly to your creditors, you could qualify for an additional rate reduction from 1 to five percentage points.
Accepts applications from borrowers who have bad credit. They also evaluate alternative data in your application, such as academic majors and work experience, which could boost your chances of getting approved and receiving a low interest.
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5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer’s experience and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
on Achieving
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5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score rates and fees, customer service and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 – $100,000
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on Best Egg
Best Egg!
4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer’s experience and ethical lending practices.
4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees customers’ experience, and ethical lending practices.
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5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer’s experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 – $100,000
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on SoFi
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5.0 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet’s rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact to credit score rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 – $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula considers factors we consider to be beneficial to consumers, including impact to credit score, rates and fees customers’ experience, and ethical lending practices.
4.5 NerdWallet’s ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR 11.69-35.93%
Loan amount $1,000 – $50,000
on Universal Credit
on LendingClub
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5.0 NerdWallet’s rating is determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet’s ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers’ experience, and ethical lending practices.
APR 8.3-36.0%
Amount of loan: $1,000 – $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet’s ratings were determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to consumers, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet’s ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers’ experience, and ethical lending practices.
APR 6.5-35.99 Percent
The amount of the loan is $1,000.
on Upstart
Debt consolidation loan alternatives
If debt consolidation loans don’t fit your needs, here are some possible alternatives.
Other debt payoff methods
The debt snowball and the debt techniques like avalanches are well-known strategies for paying off debt without consolidating.
The uses early wins to keep you on track to becoming debt-free. In this method, debts are ordered starting with the lowest balance and ending with the largest. After the debt that is the smallest is repaid then the monthly payment is applied to the next lowest balance until it’s paid off. You then continue to roll payments toward each debt until you’re debt-free.
It’s a similar approach however, it begins with your most-interest-paying 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 money and ultimately time however it doesn’t provide the immediate wins as the snowball method.
Debt management plan
A debt management program from an independent credit counseling agency can help reduce the interest rate on your debt and help you pay off debt more quickly. It’s an option if you have credit card debt and you are able to stick to a repayment plan for a long time without using credit cards.
>> MORE:
Bankruptcy
The option of releasing your debts through bankruptcy is an option if you are overwhelmed by debt and need at least five years or more to repay it through consolidation. In bankruptcy, you can eliminate all kinds of unsecured debt, including credit cards and medical bills.
Although your credit score could initially suffer a dip however, it will rebound within a year of filing for bankruptcy.
>> MORE:
Frequently asked questions: Can I apply for debt consolidation with poor credit?
You can apply for debt consolidation loan even when you’re not a credit score holder as certain lenders who specialize in debt consolidation are geared towards borrowers with poor credit scores.
What can I do to consolidate all my debt with bad credit?
A consolidation of multiple loans — such as credit cards, medical bills or payday loans — into one monthly installment. The process of obtaining a credit consolidation loan with bad credit may require shopping around but it’s feasible.
How can I obtain an installment loan with poor credit?
tend to give more consideration on low-credit loan applicants. Also, they offer consolidation loans specifically for borrowers with bad credit.
Do I qualify for debt consolidation with bad credit?
You can apply to get a consolidation loan even if you have bad credit, and some lenders for debt consolidation specifically offer loans to those with low credit scores.
What can I do to consolidate all my debt with poor credit?
A debt consolidation loan combines several unsecured debts , such as medical bills, credit cards and payday loans — into one monthly installment. The process of obtaining a consolidating debt loan with poor credit may be difficult, but it’s feasible.
Where can I find an installment loan with poor credit?
tend to give more consideration on bad-credit loan applicants. Also, they offer the option of debt consolidation loans specifically for borrowers with bad credit.
Author bio Jackie Veling covers personal loans for NerdWallet.
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