| $1.28T | Total U.S. credit card debt as of Q4 2025 — an all-time record, up 66% since 2021. (Federal Reserve Bank of New York, Feb. 2026) |
| 22.30% | Average APR on credit cards accruing interest as of Q4 2025. New card offers average 23.72%. (Federal Reserve G.19 Report) |
| $1,759/yr | The annual interest cost on an average $7,886 credit card balance at today’s rates — money a debt consolidation loan can redirect toward actually paying off your debt. |
A Debt Consolidation Loan is a personal installment loan used to pay off multiple existing unsecured debts — credit cards, personal loans, medical bills, and collections — in one transaction. Once funded, you owe a single lender at one fixed rate, with one monthly payment and one payoff date. No more juggling multiple due dates, creditors, or unpredictable interest rate changes.
Together we review your total debt, current interest rates, monthly obligations, and financial goals. We assess whether a debt consolidation loan is your best path — or whether another program such as Debt Settlement or Credit Repair would better serve your situation.
Together we connect you with vetted lending partners in our nationwide network. Qualifying borrowers with good credit have seen debt consolidation loan rates of 10–17% — a meaningful reduction from the 22%+ average credit card APR they are replacing.
Checking your rate takes minutes and uses a soft credit inquiry that does not impact your score. Most approved loans fund within one business day of completing required verifications.
Your existing debts are paid off. From that point forward: one fixed payment, one lender, one payoff date.
A debt consolidation loan is a personal installment loan that pays off multiple existing debts — typically credit cards and unsecured loans — combining them into one fixed monthly payment at a single interest rate with a defined payoff date.
Loan amounts through our nationwide lending network typically range from $1,000 to $100,000 or more depending on your credit profile and lender. Your free consultation will provide a realistic estimate.
Checking your rate uses a soft inquiry — no impact to your score. Over time, paying off revolving credit card debt with an installment loan typically improves your credit utilization ratio, which can boost your score.
Debt Consolidation Loans work best for unsecured debts: credit cards, personal loans, and medical bills. They are generally not used for secured debts like mortgages or auto loans.
Most lenders in our network fund approved loans within one business day of completing required verifications.
No. A balance transfer moves debt to another credit card, often with a temporary low rate that expires. A debt consolidation loan has a fixed rate for the full loan term — more predictable, with no expiring promotions or balance transfer fees.
United Debt Relief offers five programs. If a debt consolidation loan is not the right fit today, we may recommend Credit Repair to strengthen your profile, or Debt Settlement if you are experiencing financial hardship.
No. United Debt Relief is a debt relief organization. We connect clients with vetted lending partners in our nationwide network. All loans are made by licensed, regulated financial institutions.
Credit score requirements vary by lender. Generally, borrowers with scores of 660 or above access the most competitive rates. Borrowers with scores below 660 may still qualify with some lenders in our network, though at higher rates. If your credit score is not yet strong enough for a favorable loan, we may recommend a Credit Repair program to strengthen your profile first — then revisit consolidation once your score improves.
It depends on how you define bad credit and how much debt you need to consolidate. Some lenders in our network work with credit profiles in the 580–660 range. However, if your credit score significantly reduces the loan terms available, consolidation may cost more in interest than it saves. Your free consultation will assess whether consolidation makes mathematical sense for your specific situation — or whether Debt Settlement or Debt Validation would serve you better.
A debt consolidation loan pays your full balances by replacing multiple debts with one new loan at a fixed rate — you still repay everything you owe, just more efficiently. Debt settlement negotiates with creditors to actually reduce the total balance you owe, often by 40 to 50 percent before fees, in exchange for a lump-sum payment. Consolidation is best for people who can afford to repay in full and want to simplify payments and reduce interest. Settlement is best for people in genuine financial hardship who cannot realistically repay the full amount.
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United Debt Relief is America’s Debt Relief Experts. We match you to a vetted network of BBB-accredited debt settlement, debt validation, consolidation, tax resolution, and credit repair providers and law firms across all 50 states.