OVERWHELMED BY DEBT?
Find a debt consolidation loan that works for you
Combine multiple debts into one loan with a lower rate and fixed terms, so you know what you owe and when it’s due.
It is free to check – It wont impact your credit score
What can you use a debt consolidation loan for?
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.
HOW DEBT CONSOLIDATION WORKS
Simple steps. Smarter results.
Submit your request
Start by answering a few simple questions about your financial goals and current situation.
Review your options
We’ll connect you with debt consolidation options that work best for your unique needs.
Consolidate and move forward
Once approved, your new loan pays off your current debts — leaving you with just one payment to manage.
WHY FAST LOAN ADVANCE?
A smarter way to consolidate debt—with trusted partners, flexible terms, and transparent support
Combine multiple debts into one simple payment
Streamline your finances with a single, predictable monthly payment—potentially at a lower rate than high-interest credit cards.
Secure and fully online— built for you
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.
Used by millions looking for a fresh start
Fast Loan Advance helps people take control of their debt every day—especially those who need a second chance. Simple, transparent, and trusted.
Take control and simplify your debt
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
Learn more about debt consolidation
Find answers to the most common loan questions. Still unsure? Contact us.
We are happy to help.
What is debt consolidation?
Debt consolidation is the process of combining multiple debts into a single loan with one monthly payment. Through Fast Loan Advance, you can request a debt consolidation loan from $500 to $35,000 to pay off credit cards, medical bills, personal loans, and other balances. We connect you with lenders in our network who offer fixed monthly payments, often at a lower interest rate than what you’re currently paying.
How does a debt consolidation loan work?
A debt consolidation loan from Fast Loan Advance works like a personal loan. You submit one short request and get connected with a lender in our network. If approved, the lender deposits the loan amount into your bank account, and you use those funds to pay off your existing debts. From that point on, you make one fixed monthly payment to your new lender instead of juggling multiple due dates and interest rates.
Is debt consolidation a good idea?
Debt consolidation can be a smart financial move when it lowers your overall interest rate, simplifies your monthly payments, and helps you pay off debt faster. It works best for borrowers who have a steady income, a clear repayment plan, and the discipline to avoid taking on new debt after consolidating. If your interest rate would stay the same or increase, or if you’re at risk of running up new balances, consolidation may not be the right fit.
Can I get a debt consolidation loan with bad credit?
Yes. Fast Loan Advance works with lenders that consider all credit types. Your credit score is one factor, but lenders also look at your income, employment, and overall financial profile. Submitting a request connects you with a lender who reviews your full situation. Keep in mind that borrowers with lower credit scores may receive higher interest rates, so it’s important to confirm the new rate is actually lower than what you’re paying on your current debts.
Your personalized consolidation offer is waiting
Complete your request in minutes and take control of your finances—starting today.