Simplify your finances by combining multiple debts into a single loan with a lower interest rate and fixed terms, so you know exactly what you owe and when it’s due.
It is free to check – It won’t impact your credit score
A debt consolidation loan combines multiple debts, including, credit cards, medical bills, personal or unsecured loans into a single, predictable payment. The result?
Fewer due dates, potential interest savings, and a clearer path to progress.
Start by answering a few simple questions about your financial goals and current situation.
We’ll connect you with debt consolidation options that work best for your unique needs.
Once approved, your new loan pays off your current debts — leaving you with just one payment to manage.
Streamline your finances with a single, predictable monthly payment—potentially at a lower rate than high-interest credit cards.
Answer a few questions and see offers tailored to your financial profile. Our process is encrypted and doesn’t affect your credit score when checking rates.
Fast Loan Advance helps people take control of their debt every day—especially those who need a second chance. Simple, transparent, and trusted.
Here’s a representative example of interest rates, terms, fees, and total repayment costs.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest Rate (APR) | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Other Fees/Costs (%) | 5% | 5% | 5% | 5% |
| Other Fees/Costs ($) | $50 | $100 | $250 | $500 |
| Monthly Payment | $99.29 | $105.86 | $140.84 | $212.90 |
| Number of Payments | 12 | 24 | 48 | 60 |
| Total Payment | $1,191.48 | $2,540.64 | $6,760.32 | $12,774.00 |
APR Ranges From 5.99% up to 35.99% For Qualified Customers 91 Day Minimum up to 72 Month Maximum Repayment Period
Find answers to the most common loan questions. Still unsure? Contact us.
We are happy to help.
No, checking your rate will not affect your credit score. We use a soft credit inquiry, which lets you explore your loan options without any impact on your credit.
You can consolidate a wide range of debts, including:
Debt consolidation allows you to combine multiple payments into a single loan with one monthly payment, often with a lower interest rate and clearer payoff timeline.
Yes. Many of our lending partners work with borrowers who have fair or poor credit. While your credit score may influence your rate or loan amount, we match you with lenders based on your overall financial profile, not just your score.
Funding speed depends on the lender you choose. In most cases, once you’re approved and accept a loan offer, funds are deposited by the next business day. Some lenders may take 2–3 business days, depending on processing times.
Complete your request in minutes and take control of your finances—starting today.