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You’ll pay fixed, monthly installments to the lender for a set time period, typically two to five years.The interest rate you receive depends on your individual credit profile, and it usually does not change for the life of the loan.Keep in mind that only borrowers with excellent credit will qualify for the lowest rate available.Your actual APR will depend on factors like credit score, requested loan amount, loan term, and credit history.If you decide to take out a debt consolidation loan, look closely at the fees a lender will charge, what kind of support it offers (such as financial education or payment flexibility) and whether you can use a co-signer to get a lower interest rate.
Now that you know it’s an option and you understand how it works, you can better assess whether it’s right for you.
A personal loan to consolidate debt makes sense only if you receive a lower interest rate than you have on your existing debt or if it helps you pay off your debt faster.
Otherwise, taking on a new loan to wipe out an old one is postponing the inevitable.
All loan information is presented without warranty, and the estimated APR and other terms are not binding in any way.
Loans are offered with a range of APRs depending on your credit and other factors.