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Once you are ready to move forward with your application, create a checklist of all the documentation you will need.
You may need to work with creditors, your employer, and others to gather everything, so give yourself enough time.
If you need relief from your high-interest loans or credit card debt, you may be considering a personal loan.
Offered by many banks and credit unions, personal loans let you consolidate or refinance your debt into a lower-interest loan with one fixed monthly payment.
Enter your credit cards, auto loans and other installment loans balances by clicking on the "Enter Data" button for each category.
Then change the consolidated loan amount, term or rate to create a loan that will work within your budget.
These loans have looser credit requirements, and you may have lower interest rates and greater borrowing power.Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you.Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner.You can get two of your credit scores for free, updated monthly, at
Before you apply, you should do everything you can to improve your credit score.
For more information, check out our article on deciding if a personal loan for debt consolidation is right for you. Several years ago, as he worked to pay down debt and purchase a home, Brian became interested in personal finance and credit. Brian has a BA in History from Salisbury University and an MBA from UMUC.