Frequently Asked Questions

Debt consolidation is the process of combining multiple debts — typically high-interest credit cards — into a single personal loan with one fixed monthly payment. This can simplify your finances and potentially lower the total interest you pay.

Loan amounts vary based on your financial profile, including credit score, income, and current debt levels. Call us to speak with a specialist who can give you a real number based on your situation.

Our rates range from 2.99% to 34.99% APR. Your actual rate is based on your credit profile, loan amount, and term. The stronger your credit, the lower your rate — but many customers with varying credit histories have found options that work for them.

Once approved and verified, funds can be deposited into your bank account in as little as 48 hours. Timing may vary depending on your financial institution.

Checking your options with us does not affect your credit score. We want you to feel comfortable exploring what you qualify for before making any commitment.

Just give us a call. Our specialists will walk you through a simple process. Typically you’ll need basic identification, income information, and details about your current debts.

No. Our personal loans are unsecured, which means you don’t have to put up your home, car, or any other assets as collateral.

After your loan funds, you can use the money to pay off your credit card balances. This lowers your credit utilization ratio, which can actually have a positive effect on your credit score over time.

Absolutely. We use bank-level 256-bit encryption and never sell your personal information. Your privacy and security are our top priorities.