Debt Consolidation Loans
Replace Multiple High-Rate Payments With One Fixed Monthly Payment — Nationwide
Americans are carrying more credit card debt than at any point in history. With average APRs exceeding 22%, the math is brutal — minimum payments barely touch principal, and balances grow faster than they can be paid down. A Debt Consolidation Loan changes the equation entirely.
By combining all your unsecured debts into a single personal loan with a fixed interest rate and a defined payoff date, you replace chaos and compound interest with clarity and a finish line. United Debt Relief connects qualifying clients with our nationwide network of vetted lending partners to find the most competitive options available for your financial profile.
| $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. |
What Is a Debt Consolidation Loan?
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.
How It Works — 4 Steps
1
Free Consultation
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.
2
Loan Matching
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.
3
Application & Approval
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.
4
Debt Payoff
Your existing debts are paid off. From that point forward: one fixed payment, one lender, one payoff date.
Key Benefits
- One fixed monthly payment instead of multiple due dates and creditors
- Fixed interest rate — never changes, unlike variable credit card APRs
- A defined payoff date — you know exactly when you will be debt-free
- Paying off revolving debt can lower credit utilization and improve your score
- No prepayment penalties with most lenders — pay off early and save even more
- Fast funding — often within one business day for approved borrowers
- Available to qualified borrowers nationwide
Frequently Asked Questions — Debt Consolidation Loans
What is a debt consolidation loan?
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.
How much debt can I consolidate?
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.
Will applying hurt my credit score?
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.
What types of debt can be consolidated?
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.
How fast will I receive funding?
Most lenders in our network fund approved loans within one business day of completing required verifications.
Is a balance transfer the same as a debt consolidation loan?
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.
What if I don't qualify for a debt consolidation loan?
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.
Is United Debt Relief a lender?
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.
What credit score do I need for a debt consolidation loan?
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.
Can I get a debt consolidation loan with bad credit?
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.
How is a debt consolidation loan different from debt settlement?
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.