Roll multiple high-interest balances into one fixed monthly payment with a clear payoff date.
Get Your Free QuoteUpdated quarterly from the Federal Reserve, the CFPB, the IRS, and Experian. See current credit card and personal loan rates.
| $1.25T | Total U.S. credit card balances in the first quarter of 2026, an all-time record. (Federal Reserve Bank of New York, Household Debt and Credit Report, Q1 2026) |
| 22.15% | Average APR on credit cards assessed interest in the second quarter of 2026. Across all card accounts the average was 20.94%. (Federal Reserve G.19 Consumer Credit Report, Q2 2026) |
| $1,475/yr | The annual interest cost on the average $6,659 credit card balance at today’s rates, the 22.15% APR charged on cards assessed interest, money a debt consolidation loan can redirect toward actually paying off your debt. (Experian, March 2026 / Federal Reserve G.19, Q2 2026) |
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, typically at a fixed 10 to 17% rate for qualified borrowers versus the 22%+ average credit card APR. 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. Loan terms depend on your credit profile and the lender, so verify the full APR and any fees in writing before you sign. Because these loans are built for unsecured balances, it helps to understand the difference between secured and unsecured debt before you decide what to roll in, and if payday lenders are part of the picture, start with our guide on how to get out of payday loan debt.
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 review loan options from the 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.
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 work 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.
Debt consolidation can be a good idea when it lowers the interest rate or simplifies several payments into one. It works best for consumers with steady income and fair to good credit. United Debt Relief offers debt consolidation loans and a free consultation to compare consolidation against options such as debt settlement. The right choice and results vary by situation.
Debt consolidation usually has a small, short-term effect on credit. A new loan application or hard inquiry can dip a score briefly, while consolidating balances and paying on time can help a score over the long run by lowering credit utilization. United Debt Relief reviews consolidation against its other programs in a free consultation. Credit impact and results vary by individual.
In-depth answers to the questions people ask most before consolidating. If your balances are beyond what a single fixed payment can realistically cover, compare this program against our debt settlement program first.
Which path makes sense for your situation.
Two similar products with different terms and different uses.
Fees, eligibility, and the 36-month total cost compared.
The short-term dip, the long-term recovery, and the utilization math.
What a consolidation loan leaves on your credit history, and for how long.
How lenders view a recent consolidation loan on a mortgage application.
Which balances a consolidation loan can pay off, and which it cannot.
Breaking the rollover cycle when the APR runs into triple digits.
SCRA rate rights, the security-clearance question, and when settlement fits better.
United Debt Relief is America’s Debt Relief Experts, a national debt relief company serving all 50 states. Our five programs span debt settlement, debt validation, debt consolidation loans, tax resolution, and credit repair, so your debt, tax, and credit problems are handled together rather than referred out. Our specialists assess your situation, explain each option, and enroll you in the one that fits. Program services are performed by our stringently vetted in-network providers and law firms, each BBB Accredited with an A rating. Results vary by situation.
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