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How to get a Debt Consolidation Loan With Bad Credit Advertiser disclosure You're our first priority. Each time. We believe that every person should be able make financial decisions with confidence. And while our site does not include every company or financial product on the market, we're proud of the advice we offer as well as the advice we provide and the tools we develop are impartial, independent easy to use and free. How do we earn money? Our partners compensate us. This may influence which products we write about (and where those products appear on our website), but it in no way affects our advice or suggestions which are based on hundreds of hours of research. Our partners cannot promise us favorable ratings of their goods or services. . How to Get a Loan to Consolidate Debts if You Have Bad Credit A debt consolidation loan with bad credit might require building your credit or even a co-signer. Last updated on Jan 24, 2023 The majority or all of the items featured on this page are from our partners who compensate us. This influences which products we review and the location and manner in which the product appears on a page. But, it doesn't influence our opinions. Our views are our own. Here's a list and . Table of Contents Table of Contents If you're looking for a loan if you've got bad credit could require some shopping around, but there are options, including loans at credit unions and online lenders. Certain lenders cater to those with poor credit (a credit score less than 630) and consider factors beyond score, such as education, income and job experience. This article will help you determine if the consolidating debt loan is a great idea to tackle your debts and how you can get one. What is a debt consolidation loan? An debt consolidation loan is an individual loan used to combine the payment of multiple obligations at one time (think of medical bills, or other unsecure personal loans -- so you're left with a single monthly payment. In the ideal scenario, this payment comes with lower interest rates than the current ones and can help you save money and allow you to 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 favorable interest rate on an loan consolidating debt is usually a good option. Here are some of the benefits: It can save you cash on interest. Arguably the biggest benefit of debt consolidation is the money you save on interest by condensing debt to a lower rate. Even a couple of percentage points can make a huge difference in the amount of interest you save. Use our to see the potential savings. You can reduce debt more quickly. If you consolidate at a lower interest rate, you can get out of debt faster by using the savings to the balance remaining. You can also select a short repayment term on a debt consolidation loan so long as you can pay the monthly installments. It makes the process easier. Instead of having to keep the track of several debts, with debt consolidation loan you'll have just one installment to pay. Debt consolidation loans also come with fixed terms, meaning you'll know your payoff date, which can help keep you on track. It could help improve your credit. Though taking out a debt consolidation loan may temporarily take a few points off your credit rating, the long-term effect should be positive as you begin to clear your head of debt. How do you get the debt consolidation loan even with bad credit 1. Verify your credit score Are mistakes in your credit report to be the reason behind your low credit score? Check for errors such as wrong accounts, improperly reported payments , or incorrect credit limits. You can check your credit report weekly at no cost with any of the three major credit reporting bureaus-- Experian, Equifax and TransUnion -- with . Even a slight increase within your credit rating may be a good candidate for the possibility of a credit consolidation loan. A change from a poor to a fair credit score (630 to 689) can also result in an easier to afford loan with an interest rate that is lower. >> MORE: Another suggestion is to settle all small debts. This lowers the credit utilization rate which makes up 30% of your credit score. This can improve your overall , which lenders use to assess your ability to pay back an loan. The lower your DTI ratio is, the more likely the lender will accept you for a loan application. 2. Take into consideration an unsecured, jointly-signed or joint loan Some are more straightforward to obtain, such as a secured, co-signed or joint loan. With a , you use collateral like a vehicle or savings accounts to ensure the loan and the lender is more likely to approve you or offer an interest rate that is lower. If you don't repay the loan, you lose the collateral. with a higher credit score or higher income than you can also improve your chances of being approved. But, keep in mind that co-signers assume equal responsibility for the loan regardless of the fact that they don't have access to the funds. If you don't pay your loan on time or fail to pay back the loan the co-signer's credit score may suffer. They are similar to co-signed loans however the co-borrower has the same rights to the money. >> COMPARE: 3. Shop around and pre-qualify For the best price for consolidating debt loan, you'll want to examine rates and terms with several lenders. The easiest method is to use . You can apply for pre-qualification with the majority of online lenders to view estimated rate and loan amounts. This involves a soft credit check, which doesn't affect your credit score. Be sure to look for features that are friendly to consumers such as direct payments to creditors This means that the lender will transfer the loan funds to your creditor, simplifying the process -and removing any incentive to use the money to pay for other things. Do you want to consolidate debt? Check if you are eligible for the consolidating debt loan. Answer a few simple questions and you'll receive a personalized report from our lending partnersand without impact on your credit score. The amount of the loan on NerdWallet 4. You can apply for the debt consolidation loan After you've decided on the lender, you'll be required to apply to obtain the loan. This process is typically online and you'll be required to provide personal information including details about your Social Security number, and documents that verify the identity of you, your income and work. The time to approve varies by lender. You'll usually receive the funds within a week, but some online lenders provide the same day and next-day funds. >> MORE: 5. Make sure to pay off the debt and make loan payments After you have received the funds in your account, make use of them to pay off your debts. If the funds are being sent to your creditors for you, you must confirm every creditor you have with that your debt was effectively paid for. The next step is to create a strategy to follow, which could include establishing a budget that prioritizes your monthly payments as well as keeping an eye on the refinancing options. Many lenders charge late fees for missed payments -- and then report them to credit bureaus, which could affect your credit score therefore, you should consider setting automated payments to ensure you don't fall behind. Where to get an debt consolidation loan for people with bad credit Credit unions They are non-profit financial institutions that may offer more flexible terms and lower rates than online lenders. Federal credit unions have capped the annual percentage rate on personal loans at 18%. Some credit unions don't allow the applicant to apply for pre-qualification for the loan; applying for a loan requires a hard credit test, which can temporarily lower your credit score, making it more difficult to compare. It is also necessary to be an active member of the credit union before you can apply for a loan that could mean living or working nearby and paying a minimal cost for membership. Local credit unions is a great option to begin, however national credit unions also offer debt consolidation loans. Online lenders are more convenient and often provide fasting funding, but they may charge higher rates for borrowers with bad credit than credit unions . Online lenders may also charge that cover the costs of making your loan. The fee is typically deducted from the loan proceeds, so you might need to apply for more of a 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 are approved for an installment loan and then have Upgrade transfer the funds directly to your creditors, you could qualify for an additional rate reduction from 1 to 5 percentage points. Accepts applications from borrowers who have bad credit. They also evaluate alternative data in your application, such as the major you studied at college and your work history, which could boost your odds of approval and getting a low rate. >> COMPARE: Individual loans by our associates Debt Consolidation Big Purchase Emergency Home Improvement Medical on LendingClub LendingClub 5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices. 5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and ethical lending practices. APR 8.3-36.0% Loan amount $1,000 - $40,000 on LendingClub on Happy Money Happy Money 4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices. 4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices. APR 7.99-29.99% Loan amount $5,000 - $40,000 on Happy Money on PenFed Credit Union PenFed Credit Union 5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on factors we consider to be consumer-friendly, including the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices. 5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit scores rate and fees, customer experience and ethical lending practices. APR 7.74-17.99% The loan amount is $600-$50,000. on PenFed Credit Union on Upgrade Upgrade 5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on 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 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 8.49-35.97% The amount of the loan is $1,000. on Upgrade on Upstart Upstart 4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including the impact on credit scores rate and fees, customer experience and ethical lending practices. 4.5 NerdWallet's ratings were determined by our editorial team. 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The scoring formula takes into account aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, customer experience and responsible lending practices. APR 7.99-23.43% Amount of loan: $5,000 - $100,000 on SoFi on Best Egg Best Egg 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 customers' experience, and ethical lending practices. 4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices. APR 8.99-35.99% The amount of the loan is $2,000 to $50,000. on the Best Egg on LightStream LightStream 5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, customer experience and responsible lending practices. 5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates as well as the customer's experience and ethical lending practices. APR Rates are based on AutoPay. 6.99-23.99% Loan amount $5,000 - $100,000 on LightStream on SoFi SoFi 5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices. 5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit scores rates and fees, the customer experience and responsible lending practices. APR 7.99-23.43% Amount of loan: $5,000 - $100,000 on SoFi on Universal Credit Universal Credit 4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula considers factors we consider to be beneficial to consumers, including impact to credit score, rates and fees, customer experience and ethical lending practices. 4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices. APR 11.69-35.93% Amount of loan: $1,000 - $50,000 on Universal Credit on LendingClub LendingClub 5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices. 5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices. APR 8.3-36.0% The amount of the loan is $1,000. on LendingClub on Upstart Upstart 4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices. 4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and ethical lending practices. APR 6.5-35.99 percent Amount of loan: $1,000 - $50,000 on Upstart Debt consolidation loan alternatives If you're in debt and consolidation loans don't fit your needs Here are some alternatives. Other debt payment methods The debt snowball and the debt Avalanche are two popular methods to pay off debt without consolidating. The strategy uses early successes to keep you on track to becoming debt-free. With this approach, debts are ordered from the smallest balance to the highest. When the debt with the lowest balance is paid off then the monthly payment for that debt goes toward the next-smallest balance until that's completed. After that, you continue to roll payments toward each debt until you're debt-free. The follows a similar strategy however, it begins with the highest-interest debt. Then when that's paid off, you tackle the second-highest-interest debt and so forth until all debts are paid. This method can help save time and money, but it may not offer the instant wins of the snowball method. Debt management plan A debt management program from an agency for credit counseling that is non-profit will help you lower the interest rate on your debt and pay off debt faster. It's an option if you have debt on credit cards and if you're able to adhere to a payment schedule for a period of time while not using the credit cards. >> MORE: Bankruptcy In bankruptcy, you can discharge your debts. This is an option if you're overwhelmed by debt, and will require at least five years or more to repay it via consolidation. In bankruptcy, you can eliminate all kinds of unsecured debt, including medical and credit card debts. Although your credit score could initially suffer a dip however, it will rebound within a year of declaring bankruptcy. >> MORE: Commonly asked questions. Can I get a debt consolidation loan with bad credit? You are able to apply for a debt consolidation loan even if you have bad credit and certain debt consolidation lenders are geared towards borrowers with poor credit scores. How do I consolidate all my debt with bad credit? A combines multiple unsecured loans -- such as credit cards, medical bills or payday loans -- into one monthly installment. The process of obtaining a debt consolidation loan with poor credit may be a bit difficult however it is possible. How can I obtain a consolidation loan with bad credit? tend to be more favorable on bad-credit loan applicants. also offer debt consolidation loans specifically for borrowers with poor credit. Do I qualify for debt consolidation with bad credit? You may be eligible for a debt consolidation loan even if you have bad credit and certain lenders who specialize in debt consolidation cater to borrowers with low credit scores. How can I consolidate my debts with bad credit? A combines multiple unsecured loans -- such as credit cards, medical bills or payday loans -- into one monthly payment. A credit consolidation loan with poor credit may be a bit difficult but it's possible. Where can I find an installment loan with bad credit? tend to give more consideration on low-credit loan applicants. also offer loans for debt consolidating loans specifically for borrowers with poor credit. Author bio Jackie Veling covers personal loans for NerdWallet. On a similar note... You can even go deeper into Personal Loans Learn more about smart money strategies - straight to your inbox Join now and we'll email you Nerdy posts on the topics in finance that matter most to you along with other ways to help you earn more value from your money. 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