bad credit consolidation loan

bad credit consolidation loan

Fast Bad Credit Consolidation and Personal Loans For People With Bad Credit History

Welcome to Fast Bad Credit

One never knows when emergencies can happen. In most cases, an emergency is almost always related to some kind of expenses. Often times, those expenses can be major. Also, your credit rating may not be very good, due to past problems. In any manner, you may find yourself looking for fast bad credit loans. Here are some things to look for in your quest.

Look for places that do not ask for a great deal of information. If you are looking for fast personal loans for bad credit, the less information that you give, the better off you may be. A simple loan application can be taken online.

Online Loan Sources

Online sources can be an excellent way to get your money in a hurry. It is much easier for many people, this way. For example, you may be currently working long hours. During the week, you may be working during normal business hours. Suppose it is Monday night and you cannot wait until Saturday to apply for the money. There are personal loans for people with bad credit, that you can apply for, at any time.

You also have the privacy of your home to work from. It is no one else's business if you are having financial problems. Applying for money online is a good way to keep your personal business, private.

You might consider asking friends or relatives, but this is not always the best choice. They may not have the money. Also you may not wish to impose on others, in this manner. Many good relationships have been spoiled by matters of money. It may be best to keep the matter confidential by using the Internet.

In this automated information age, there is no need to wait several days for your money. Besides, you may have a problem that requires cash today. It is best to seek bad credit personal loans that offer quick approval and quick money. There are businesses that can take your application and deliver the money to you on the same day. Look for businesses like These businesses can provide services to you, easier than many others.

In many cases, you may need the money to consolidate several loans. You must be careful in these situations. This may work well for smaller amounts, as it may be difficult to get more than $1500. When looking for bad credit consolidation loans, check the terms carefully before committing.

Welcome to Debt Consolidation Loans with Bad Credit. Once again, we ranked first online for people with bad credit seeking debt consolidation. As a top consolidation loan and mortgage refinance destination, we have helped thousands of consumers reduce and eliminate credit card debt. Strengthen your credit with fixed debt loans and get a fresh start with professional credit counseling or debt negotiations. Bad credit debt consolidation is not just a sub-prime program. We provide bad credit refinancing solutions for homeowners and non-homeowners a like. Our financial team can get you a bad credit debt loan quick and easy.

Not Qualifying for Secured Debt Consolidation?

Try Debt Settlement

Most Banks will not lend you money if your credit is less than perfect. At Debt Consolidation Loans with Bad Credit ® , we find debt loans for good people, who had credit problems in the past. You'll learn that our mortgage loans are easy to qualify for, and our interest rates are competitive. Homeowners can consolidate your past due bills with us or consider refinancing your bad credit mortgage from Bridge.

While other lenders may have turned you down for one reason or another, we'll go the extra mile to earn your business. We offer mortgage programs for people with poor credit scores. Even if a borrower had a bankruptcy or foreclosure, we provide opportunities from bad credit mortgage lenders from BD Nationwide.

  • Prequalify for debt loans in 24 hours.
  • Compare quotes from lenders that provide debt consolidation for bad credit.
  • Get approved for credit card settlement plans in less than 7 business days.
  • Negotiate Debt with the Debt Forgiveness Act.

We're a debt consolidation lender that provides solutions with unsecured options and secured home loans. We provide lending services locally and we'll even send a notary of the public to your home, at your convenience.

Whether we get you approved for a low rate debt loan or alternative debt relief, our team will help you settle credit card debt so you can sleep better ate night. Bad credit debt loans should be considered because eliminating credit card interest and restoring your credit are two effective ways for managing finances. Consolidation is one of the smartest moves you can make with your finances. Whether its credit cards, auto loan or mortgages, if they have an adjustable interest rates, chances are that you would save money with a consolidation loan.

Personal Loans For People With Bad Credit

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Debt Consolidation Loans – Advice and Considerations

Debt consolidation loans can be a great way to save money when it comes to paying off your debts over time. Specifically, a debt consolidation loan is a large, lump sum loan that allows you to pay off a group of debts in full. In doing so, you can enjoy the convenience of worrying about making just one debt payment each month. Furthermore, since a debt consolidation loan in San Antonio has just one solid interest rate, borrowers may even be able to save money over the course of the repayment period of the loan. This is especially true in situations where the interest rates on the different loans varies greatly.

Benefits of Debt Consolidation Loans in Texas

If you are a resident of Texas and have multiple loans that you would like to pay off with a consolidation loan, then you may want to start by making yourself aware of the various benefits of qualifying for and taking out a debt consolidation loan. For starters, doing so allows you to pay off multiple debts at once so that you no longer have to worry about them. Furthermore, since having individual loans often means having many different due dates to worry about throughout the month, a debt consolidation loan can save you the hassle of having to try and remember your many different due dates. As a result, you reduce the likelihood of being late on a payment or missing one altogether, which can have a serious negative impact on your credit score.

Aside from making it easier for you to make timely payments, a debt consolidation loan in San Antonio can be a great way to save you money over time as well. By qualifying for a debt consolidation loan with one low interest rate, you can stop paying multiple different interest rates on your individual loans. If the interest rate on your consolidation loan works out to be less than the average interest rate on your individual loans, you will surely save money in the long run. In fact, you could easily save anywhere from hundreds to thousands of dollars in this regard. Just be sure to do the calculations prior to accepting a debt consolidation loan offer to ensure that its interest rate will save you money in the long run.

Qualifying for a Debt Consolidation Loan

As you can see, there are a number of benefits to going with a debt consolidation loan. If this sounds like something that could advantageous to you and paying off your debts in the long term, then you may understandably be wondering what steps you will need to take in order to qualify for one. After all, not just anybody can qualify for a debt consolidation loan.

For the most part, it is recommended that only those with high credit scores apply for debt consolidation loans. After all, since consolidation loans tend to come in very high amounts, banks and other lenders are skeptical and reluctant about lending such large sums of money to those with poor or even average credit histories. Instead, they would prefer to lend to those with proven credit histories that they know they can trust to receive their money plus interest back from and in a timely manner.

Of course, you may understandably be wondering just what constitutes a great credit score. The exact number can vary from lender to lender, but for the most part, anything over 700 is considered to be an excellent credit score and will likely make you a good candidate for a debt consolidation loan in San Antonio. Of course, there are other factors besides credit score that can come into play when it comes to whether or not your consolidation loan application will be approved. For example, even if you have a great credit score, not being employed or having a steady source of income at the time of your application can result in being denied, unfortunately. Therefore, you should make sure not only that you have an excellent credit rating but also that you have a steady job or other source of regular and reliable income.

Shopping Around for a Debt Consolidation Loan

If you believe that you would qualify for a debt consolidation loan in Texas based on your credit rating and current financial situation, then you may be wondering what steps to take next. For starters, it would be a good idea to consider which debts you would like to consolidate. After all, this will be one of the first questions that a bank or other lender will ask you; they will want to know what kinds of debts you are dealing with and how much the total payoff amount is. Therefore, once you decide on the debts you would like to pay off with a consolidation loan, you will also want to take the time to add up the total payoff amounts of those debts.

Another important aspect of choosing a debt consolidation loan is that of finding one with a reasonable interest rate. This will be an important consideration when it comes to making sure that your consolidation loan will save you as much money as possible over the term of its repayment period. Take the time to look into local banks and other lenders that offer debt consolidation loans to find out which ones have the lowest interest rates.

Of course, interest rates are not the only considerations that you should keep in mind when choosing a debt consolidation loan that is right for you. Furthermore, you will want to take the time to look into specific terms of the consolidation loans. It is important to know not only what your interest rate and monthly payment will be, but how long your repayment term is, what the fees and penalties for late payments are, and other aspects of the loan terms that you will want to be aware of before you sign off on any of the specific paperwork for it.

Accepting a Consolidation Loan Offer

Once you are sure that you have found the best loan option for you, it is always a good idea to take one final step and check out the Better Business Bureau (BBB) ratings on the bank or other lender that you are thinking about borrowing from. The BBB gives ratings to companies across the country based on their customer service, services and products, and consumer feedback. In general, you should never go with a lender that has anything less than an A- rating. Ideally, you will choose one with a perfect A rating to ensure that everything goes as smoothly as possible and that you end up happy with your loan experience in the long run.

Once you are sure that you have found the best lender and specific loan option for you, all that is left to do is to apply for the loan itself. A lot of times, loan applications can be completed online but you should not be surprised if you are soon after contacted by the company and asked for additional information such as W2s, pay stubs, and other proof of identity or income. Most lending institutions will do this as a way of ensuring that you are who you say you are in addition to validating your reported income. You will also need to present information about your loans that you are looking to consolidate.

Of course, applying online is not the only option. Many banks and other major lenders will also allow you to apply in person, over the phone, or via snail mail. Therefore, you can enjoy the convenience of simply choosing whichever option is best for you.

Once you have submitted your debt consolidation loan application, you can expect to wait a few days or more for a response. During this time, the lender will most likely be running a credit history check in addition to ensuring that all of the information you reported checks out. If so, and if your credit score is considered to be high enough, then you will be approved for the loan. Most banks and other lenders will notify applicants of their loan approval over the phone, via e-mail, or by personal letter in the mail. Most of the time, the way that you will be contacted will depend on your own personal preferences and the way that you applied for the loan in the first place.

Once your loan application is accepted, you will need to sign some official loan paperwork with the lender. During this time, you should be careful to read over everything before you sign it. This includes the fine print. It may seem like overkill, but it is better to be safe than sorry when it comes to putting your signature on anything, even when you are working with a reputable and well trusted company. Once everything is signed, the lender will take care of the rest; this includes paying off your existing loans and opening your new loan account with them. Soon after your loan acceptance and signing the paperwork, you should also receive some letters from your other lenders notifying you that your loans have been paid off in full. You should keep copies of these letters and file them in a safe place in case you need them in the future.

Other Options Aside from Loan Consolidation

If you have a less than perfect credit score, then you may understandably be feeling upset by the fact that you will most likely not qualify for a debt consolidation loan with your current credit situation. In general, credit scores under 650 will not qualify for such loans. However, the good news is that this does not have to mean that you cannot work on paying off your debts sooner or in a way that will save you more money over time. In fact, there are still plenty of options that you may want to take into consideration if you have multiple debts and loans that you want to work on paying off.

Debt Settlement in Texas

One option that you may want to consider if you have large amounts of debt that you simply do not think that you are going to be able to pay off any time in your life time is to look into debt settlement in San Antonio. This option is ideal for those who are in serious debt and who simply do not have the credit worthiness to qualify for a debt consolidation loan. Unlike a consolidation loan, a debt settlement program actually works to eliminate some of the debt that you owe to your lenders. It involves working directly with a debt settlement company, who will be in close contact with the lenders that you owe money to. These lenders will work towards reaching an amicable agreement between you and the lenders so that you can settle your debt in a way that works for both of you. This can be a great way to lower your total amount owed in addition to saving you some money and making your monthly debt repayments more affordable. By having more affordable monthly payments, you can thus make timely repayments on your debts and gradually build your credit score in the process.

Of course, working with a debt settlement company will cost you some money. Most companies will charge a set percentage of the total amount of debt that is settled, which can add up to be quite significant. Still, this can be a great option for those who want to get help with their large amounts of debt and do not have the credit to take out a debt consolidation loan.

Filing for Bankruptcy

This is a last resort for many people, but it can be a great way to get help with debt when you are in over your head. In general, bankruptcy should only be considered as an option when all other options are exhausted. After all, while filing for bankruptcy can certainly help you out in the short and long term by helping you to have some of your debts forgiven, the fact remains that having a bankruptcy on your credit report is a surefire way to be ineligible for a number of loans for many years to come. After all, most lenders will simply not feel comfortable lending money out to those with a recent bankruptcy on their record.

Furthermore, filing for bankruptcy is also a surefire way to have your credit score instantly drop and to do so quite significantly. Most people who file for either Chapter 7 or Chapter 11 bankruptcy find that their credit scores instantly drop 200 points or more. This can be devastating for those who need to apply for a loan or anything else that requires a credit check in the future.

Another drawback to filing for bankruptcy is that it costs money and requires you, in many cases, to hire a lawyer. By hiring a bankruptcy lawyer, you can ensure that you end up going through the process correctly and that you get through the complicated steps as quickly and easily as possible. Still, bankruptcy lawyers will charge you a set fee or a percentage of your total debt as payment, so you should be aware of this before you decide to try and file for bankruptcy.

Of course, there are many benefits to filing for bankruptcy as well. First and foremost, you can work out deals with a lot of your lenders to have debts forgiven or paid off with your own assets as opposed to making large monthly payments and accruing large amounts of interest for the rest of your life. It is important to realize, however, that not all types of debts can be handled with a bankruptcy. For example, student loan debts cannot be altered by a bankruptcy filing; those will stay with you for the rest of your life no matter what you do, so be sure to keep this in mind if you are considering the option to file for bankruptcy in the near future.

Furthermore, if you are thinking about bankruptcy as an option to help you manage your debt in San Antonio, you should also speak with a debt counselor first to help you ensure that this is, in fact, your best option. After all, there may be other alternatives to filing for bankruptcy that can help you to get out of your current debt situation.

The Bottom Line About Debt Consolidation Loans And Alternatives

As you can see, there are many options for handling debt. Whether it be taking out a debt consolidation loan, going through a debt settlement program, or even filing for bankruptcy, it is important for you to explore your options and find out which one is best for you. From there, you can be on the road to a better financial future, get your debts paid off sooner, and boost your credit in the process.

How to Consolidate Debt with Poor Credit

Any time you are struggling to meet the payments on your debt obligations as well as your day-to-day living expenses, debt consolidation should be a consideration. Numerically, however, experts say when you owe more than 30% of your total credit limit, you are in a position where your debts can harm your credit rating. In order to avoid a life of debt, and the possibility of not being able to qualify for a mortgage or get a car loan, it’s time to do something to get yourself out of the financial quagmire.

There are many ways you can work to consolidate your debts. For instance, if you have several credit cards, you can attempt, via balance transfers, to get all the money on one card, in one place, with one payment. While the balance transfer may be free as a promotional offering, such transfers usually have an expiration period. If you try this method, you not only want to avoid transfer fees, but you want to “park” your money on a new card with a high limit, a low interest rate, and a long term. If you can’t negotiate that combination of variables, you could easily wind up increasing rather than decreasing your debt!

You can also take out a loan for the total amount of your debt, use the funds to pay off your multiple creditors, and then work on the single balance. The situation, however, is similar to that of the credit card consolidation scenario. You want to make sure that you are arranging a deal with no hidden fees, a low interest rate, and a long-term of payment. And you need to understand that the interest you are paying, over the increased length of the debt does mean you will pay more in the end. The idea, however, is to get a manageable payment at one interest rate in order to take control of your living expenses.

Given the complexity of all these factors, and how they affect one another, you may well need professional help in making the right choice.

Bad Credit Debt Consolidation Loans

If your credit rating is already wandering into the questionable range, you may find it hard to even get a bank or similar lending institution to consider taking the risk of loaning you money at all. Traditionally, loans are granted to applicants with good credit ratings, a score derived from looking at your past credit history combined with your income. Proposed interest rates are tied directly to your current level of debt. In other words, the more you owe, the more you pay. That alone puts many consumers on what seem like a never-ending spiral.

Normally, debt consolidation loans are either secured or unsecured. An unsecured loan is based purely on your existing financial reputation and is likely not an option in your case. A secured loan is backed by collateral, such as a house or other tangible property, but there are risks. If you leverage your home and default on your loan payments, you could lose your primary residence.

While it may be comforting to simply know that a debt consolidation loan is an option even with bad credit, it’s not a process to enter into uninformed or without professional assistance. While even that idea may seem frightening, your goal is to arrive at a debt free place where you can live within your means. If you take advantage of the available credit counseling services and seek responsible loan consolidation help, financial freedom is within your reach — and even if you are scared of taking the first step, isn’t that better than being scared every time you see a bill in your mail box?

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Home Equity Loan

How does consolidating debt work?

Debt consolidation can take many forms, including a personal loan, a balance-transfer credit card, a home equity line of credit (HELOC) and a debt management plan, among others. (We’ll get into the details of those options later on.)

No matter what strategy suits you best, the idea is the same: Lump together all or most of your debts into a single payment as a way to save money, simplify your finances … or both.

For example, if you have multiple high-interest credit card debts and outstanding medical bills, you may want to take out a personal loan to repay those debts. Then you can focus on repaying that personal loan, which requires just one monthly payment and, ideally, has a lower interest rate than what you were paying across multiple debts (it may not have a lower rate, but it’s in your best interest to find the lowest one you can).

The specifics of how debt consolidation works will vary by the type of debt you have and the method you choose.

What types of debt can I consolidate?

Any type of personal debt can be consolidated. This includes but is not limited to:

  • Credit cards (retail or bank cards)
  • Student loans
  • Unsecured personal loans, including payday loans
  • Medical bills
  • Holiday debt
  • Utility bills, including cell phone bills
  • Money owed to collection agencies
  • Taxes
  • Court judgments

You can take out a personal loan to pay off existing debts and then work to pay off that loan over time. This makes the most sense when the personal loan has a lower interest rate than you’ve got across your existing debts.

  • Personal loans can be easy and quick to obtain, compared with options like HELOCs or a cash-out refinance.
  • Loan fees are low compared with other options.
  • The fixed loan term and interest rate make payments predictable and force you to stick to a schedule.
  • Terms are short (commonly one to five years), so you get your debt paid off expediently.
  • If you have bad credit, it might be difficult to find a personal loan with a lower interest rate than what you’re managing with existing debts.
  • The fixed monthly payment and loan term offer no flexibility.
  • Because terms are shorter, monthly payments are higher.
  • Because personal loans are unsecured, they have higher interest rates.

For individuals with debt on several credit cards, it can make sense to transfer the balances over to the card with the lowest interest rate, creating one payment and lowering interest overall. Some people even open a new card with a 0 percent APR for a promotional introductory period (many of these run the gamut from six to 24 months) and transfer other balances over to that card. This can be a viable solution if you think paying the card off within that promo time frame is doable.

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  • You can save money on interest.
  • The single bill replaces several monthly payments.
  • The end of the promotional period can be a motivating deadline for getting out of debt.
  • Balance transfer cards have limits, so if your debt exceeds the credit limit you’ve received, you won’t be able to pay off all your credit card debt with a balance transfer.
  • Balance transfers often carry a fee, as well, so do the math to make sure it’s worth it.
  • If you don’t pay off the balance before the end of the promotional period, the remaining balance will be subject to the ongoing APR, which may be very high.
  • You will need excellent credit to qualify for the best balance transfer offers, which may be problematic if you’ve been struggling to keep up with debt up to this point..

A home equity loan gives the borrower access to home equity in cash, which can be used to pay off other debts. A home equity loan does not replace the existing mortgage as a cash-out refinance does, but it is another loan in addition to the existing mortgage.

  • The loan is secured by collateral (your home) so interest rates are lower.
  • Interest payments may be tax-deductible.
  • The fixed interest rate and repayment term make monthly payments predictable and help you stay on schedule for paying off your debt.
  • You can get a longer term with a home equity loan than you can generally get with a personal loan.
  • Because this loan is secured by your home, if you default, you could lose your home.
  • Losing equity in your home can negatively impact long-term financial plans.
  • Because terms are relatively longer with a home equity loan, you may pay more interest overall, even if the rate is lower than what you are currently paying.

HELOCs differ from home equity loans in that, instead of receiving a lump sum of cash, borrowers have an agreed-upon amount that they can take from their equity, and access as needed over time. This money can be used to pay off existing debts.

  • Interest rates are low, because this debt is secured by your home, and interest payments may again be tax-deductible.
  • You only pay back (and pay interest on) the portion of the line of credit you use.
  • A line of credit can come in handy in case of future emergencies or necessary home repairs.
  • Having access to a line of credit that is greater than the sum of one’s debts might tempt some individuals to overspend.
  • Variable interest rates can make payments unpredictable.
  • Defaulting on a debt secured by your home can result in foreclosure.
  • Any balance you have at the end of a HELOC’s repayment period comes due immediately and can result in a balloon payment.
  • You will have to pay closing costs, though they are likely lower than those associated with a cash-out refinance

Cash-out refinancing involves replacing your mortgage loan with a new one for more than you owe, taking part of the difference between your old and new loans in cash. Some people use this cash to pay off other debts.

  • This option can make sense if you are able to get a new mortgage interest rate that’s lower than your current one and lower than the rates you’re paying on your other debts.
  • Interest is low because this loan is secured by your home, and may be tax-deductible.
  • Monthly payments are very low because the loan term can be stretched up to 30-plus years
  • If you default on this loan, you risk foreclosure.
  • Losing equity in your home might alter your long-term financial plans, especially if retirement is on the horizon.
  • Cash-out refinancing involves a lengthy process and comparatively higher upfront costs.
  • Stretching out the loan term can mean you pay more interest in the long run, even if the rate is lower.
  • A cash-out refinance is a new first mortgage, so closing costs can be more expensive than those for a HELOC or home equity loan.
  • If you refinance more than 80 percent of the loan’s value, you may have to pay mortgage insurance

There are two categories: a federal Direct Consolidation Loan and private consolidation or refinancing options. You can consolidate most federal student loans with a Direct Consolidation Loan, which you can read more about here. There are also a variety of private lenders that will allow you to consolidate either private or federal student loans.

  • You get a chance to change the repayment schedule for your loans, either by extending or shortening your loan term.
  • Potentially lower your interest rate.
  • Potentially lower your monthly payment.
  • Deal with one lender and one loan payment instead of several.
  • The best refinancing terms require very good credit. You may not qualify for consolidation at all if your credit is lacking.
  • If you consolidate a federal loan through a private lender, you will lose access to the benefits that come with federal student loans, like student loan forgiveness and income-based repayment plans.

How much can I save by consolidating my debt?

By using debt consolidation loans, you can save considerably — sometimes up to 40 percent of the total debt. Enter your current debts into our loan calculator to start creating a plan to eliminate your debt.

Does it make sense to consolidate your debt?

While consolidating debt certainly has merits, it is not the right choice for every individual. Above all, the approach has to match the need and the comfort level of the borrower.

Some people prefer a debt management plan, while others benefit from simplified singular payment of a consolidation loan. It all depends on the person and the type of debt they’ve accrued.

A good rule of thumb is: debt consolidation is not a good option if your debt is more than 50 percent of your income. It is also not a fit if you do not have a consistent source of income that more than covers your monthly payment.

Finally, bad credit can keep you from getting a good interest rate, which negates the main purpose of a debt consolidation loan. But obtaining debt consolidation loans with bad credit is possible if you fall into that category.

Debt Consolidation vs. Management vs. Settlement

Sometimes, the terms debt management, settlement, and consolidation can be confused. While they all describe methods of eliminating debt, they each feature a different approach.

Debt consolidation usually involves obtaining a personal loan that pays off all of your unsecured debts. Then, instead of making multiple payments at high-interest rates, you have only one payment to make at lower interest. Because all your outstanding debts are paid in full, this method can be beneficial to your credit score.

Debt management is the creation and execution of a detailed timeline and plans to pay off debts. It takes interest rates and amounts owed into account and outlines the best way to get the debt paid with the lowest amount of interest. You can do this on your own or with the help of a credit counselor.

Credit counselors help consumers organize their debt and personal finances, creating a tailored payoff plan. Credit counselors can also negotiate lower monthly payments that are more feasible for individuals, helping to minimize growing interest.

If you work with a quality nonprofit credit counseling service, they may help you discover new sources of income or make changes to budgeting or spending habits.

Debt settlement is negotiating with a creditor to settle a substantial debt for less than the amount owed. Often, consumers opt to engage a debt settlement company to do this on their behalf. Individuals can also call creditors personally and attempt to negotiate debts.

Creditors tend to negotiate only after you have to let your accounts go into default for several months, which can have a negative impact on your financial history. Settled debts will also be noted on your credit report.

If an account is marked as ‘settled,’ it will remain on your credit report for seven years from the original delinquency date or the status update date. Debt settlement is almost as bad for your credit score as bankruptcy, so it’s not an action to take lightly.

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