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Debt Consolidation Loans

Consolidate your debt into one easy to manage payment.

Loan details

Amounts from:

$500 - $100,000

Rates starting from:


Terms from:

9 – 240 Months

Not sure which loan to apply for?

View all of our loans to see the one that’s right for you.

Most commonly used for:


Bill Payments


Debt Consolidation


Home & Auto Repairs

What is debt consolidation?

Debt consolidation is when you combine multiple debts into a single payment and take out a new loan to pay off these debts. All of the outstanding balances get combined into a single loan with one single payment

It’s an ideal financial solution when:

You have multiple debts such as credit cards, personal loans, lines of credit and household bills

All your debts have different interest rates and payment due dates

You’re struggling to make the minimum payment and pay-off any balances

Instead of trying to manage all of your debts and worrying about missed or late payments a debt consolidation loan is often the right solution.

What is a debt consolidation loan?

Simply put a debt consolidation loan combines all of your debt into one amount, with only one payment to make.

You receive a lump sum of money that gets used to pay off all of the outstanding balances on your credit cards, lines of credit, student loans, retail cards, and other forms of credit you want to eliminate.

With an easyfinancial debt consolidation loan you:

  • Get a payment plan that fits your budget

  • Know how much you owe

  • Have only one payment every month

  • Can estimate your personal debt-freedom date (the last payment)

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Is a debt consolidation loan right for you?

If consolidating all of your outstanding credit card and loan balances is going to result in an overall monthly payment that is lower, it’s a no-brainer. A debt consolidation loan will help you pay down debt and put more money in your pocket. Our debt consolidation calculator makes it easy to see how much you could save.

Secure your loan for access to lower interest rates

When you secure a loan by offering to put up some form of collateral (typically a home or vehicle), you will likely qualify for a lower interest rate because there is less risk to the lender.

Apply in 3 easy steps


Apply on the phone, online or at one of over 400 locations nationally


Submit your documents


Get your money as soon as today

See what


you need to apply.

Value-Added Services

Value-added services


Loan Protection



Home & Auto

Benefit Plan





Free Financial


What people love about us

Have questions? We can help.

What credit score do I need for easyfinancial?

This is determined on a case-by-case basis. We use many factors to approve applicants for a loan, including monthly income and credit score. We factor in your debt-to-income ratio (50%), debts in collections, car payments, and monthly debt obligations. Those with bad credit (300-720) are encouraged to apply.

What is a soft inquiry and how is it different than a hard inquiry?

A soft inquiry is when your credit report is pulled for informational purposes and does not affect your credit score. A soft inquiry is simply a review of your credit report that's used to determine if you are eligible for a pre-approved offer and may be used to verify who you are.  When a company conducts a soft inquiry, this is only visible to you, and is not seen by other lenders therefore it will not negatively affect your credit score. 

A hard inquiry is when a credit report is requested from the credit bureau for the purpose of evaluating you as a borrower. A hard inquiry can affect your credit score and can be seen by other lenders. However, keep in mind that hard inquiries are only one of the five major factors that help determine your credit score.  Other factors such a payment history and credit utilization play a much bigger role in determining your credit score. 

What documents are needed to get an approval?

We require the following documents:

2 recent pay stubs

  1. Last 90 days of banking information 

  2. 1 recent bill addressed to your current home 

  3. A piece of government photo ID