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Debt Consolidation Loans

Consolidate your bills into one easy payment.

Loan details

Amounts from:

$500 - $75,000

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 a debt consolidation loan and how does it work?

A debt consolidation loan is a loan that helps you refinance your debts and consolidate smaller debts into one loan with a single recurring payment.

If you have multiple outstanding debts, you may find it difficult to stay on top of your payments, making it hard to keep track of your finances and achieve your financial goals.

With a debt consolidation loan, you can refinance or “consolidate”, your debts into one combined loan.  A debt consolidation loan often has lower rates and better terms which can reduce your monthly payment amounts.  

What type of debt can be paid off with a debt consolidation loan?

All types of debt can be paid off with a debt consolidation loan including, credit cards, student loans, auto loans, and lines of credit.


What are the benefits of a debt consolidation loan?

A debt consolidation loan is a financial product that can help you get out of debt faster and save money. With one monthly payment rather than multiple individual payments, you’ll be able to keep track of your finances easier and pay off your debt faster.

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How can a debt consolidation loan help improve my credit score?

Your credit score is determined by five key factors. One important factor is your ability to pay off your debts on time.  With a debt consolidation loan, it’s easier to make your payments on time because you only have to manage one payment instead of several individual payments.

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Can a debt consolidation loan hurt my credit?

A debt consolidation loan is a way to pay down multiple debts with one payment. This can help make it easier to manage your monthly budget and repay your debts on time which can help improve your credit score.

To find out how much money you can save by consolidating your debt, try out our debt consolidation calculator on our goeasy Academy.

Apply in 3 easy steps


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


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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