For use in all states except AK,FL,ME,NY,PR,VT,VA,WV,WI
For use in all states except AK,FL,ME,NY,PR,VT,VA,WV,WI
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8 Ways to Consolidate Unsecured Debt Debt management program. Credit card balance transfer. Personal loan. Peer-to-peer online lender. Home equity loan or line of credit. Retirement account loan. Borrowing from friends and family. Cash-out auto refinance.
There are two types of debt consolidation loans ? secured and unsecured. A secured loan is when a debt is secured against your property. An unsecured loan is also called a 'personal loan'.
How to qualify for debt consolidation Check credit score. You'll typically need a credit score of at least 700 to qualify for a debt consolidation loan with a competitive interest rate. ... List out debts and payments. ... Compare lenders. ... Apply for loan. ... Close loans and make payments.
Documentation Required to Apply for Debt Consolidation Loans Identity Proof: Voter ID card, Aadhaar card, PAN card, driver's licence, etc. Address Proof: Utility bills, rent/lease agreement, telephone bills, etc. Proof of Employment: Employee ID card and last 3 months' pay slip.
Proof of income ? this is one of the most important debt consolidation qualifications. Lenders will want to know that you have the financial means to meet the terms of loan. Credit history ? lenders will check your payment history and credit report.