{"id":28157,"date":"2026-03-31T21:08:16","date_gmt":"2026-03-31T21:08:16","guid":{"rendered":"https:\/\/finprosalerts.com\/?p=28157"},"modified":"2026-03-31T21:08:33","modified_gmt":"2026-03-31T21:08:33","slug":"the-best-debt-consolidation-loans-for-bad-credit","status":"publish","type":"post","link":"https:\/\/finprosalerts.com\/?p=28157","title":{"rendered":"The Best Debt Consolidation Loans For Bad Credit"},"content":{"rendered":"<div>\n<div id=\"block_5422b2dbde01962fecaeea52164c574f\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            A debt consolidation loan is primarily meant to save money on interest \u2014 usually by securing a lower APR and a shorter payoff timeline.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Bad credit debt consolidation loans may not be as effective due to the higher interest rates, but one can still simplify your monthly payments.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Improve your chances of getting a good deal by checking your credit report for errors, raising your credit scores, shopping around and looking into secured options.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Debt consolidation is one of the best ways to simplify your debt repayment and \u2014 if you can qualify \u2014 secure a competitive interest rate. If your credit needs work, shopping around for debt consolidation loans becomes even more critical. Finding the best lender for your needs can help you get approved and on the path to a zero balance.<\/p>\n<h2 id=\"best\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Best debt consolidation loans for bad credit\" data-outcome=\"\"><strong>Best debt consolidation loans for bad credit<\/strong><\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th>Lender<\/th>\n<th>Best for<\/th>\n<th>Est. APR<\/th>\n<th>Loan amount<\/th>\n<th>Loan term<\/th>\n<th>Min. credit score<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Avant<\/strong><\/td>\n<td>Consolidating a small amount of debt<\/td>\n<td>9.95%-35.99%<\/td>\n<td>$2,000\u2013$35,000<\/td>\n<td>24\u201360 months<\/td>\n<td>550<\/td>\n<\/tr>\n<tr>\n<td><strong>Best Egg<\/strong><\/td>\n<td>Direct-to-creditor funding option<\/td>\n<td>6.99%-35.99%<\/td>\n<td>$2,000\u2013$50,000<\/td>\n<td>36\u201360 months<\/td>\n<td>600<\/td>\n<\/tr>\n<tr>\n<td><strong>Upstart<\/strong><\/td>\n<td>Consumers with little credit history<\/td>\n<td>6.20%-35.99%<\/td>\n<td>$1,000\u2013$75,000<\/td>\n<td>36 or 60 months<\/td>\n<td>No Requirement<\/td>\n<\/tr>\n<tr>\n<td><strong>Upgrade<\/strong><\/td>\n<td>Flexible eligibility requirements<\/td>\n<td>7.74%-35.99%<\/td>\n<td>$1,000\u2013$50,000<\/td>\n<td>24 or 84 months<\/td>\n<td>600<\/td>\n<\/tr>\n<tr>\n<td><strong>LendingClub<\/strong><\/td>\n<td>Emergency loans<\/td>\n<td>6.53%-35.99%<\/td>\n<td>$1,000\u2013$60,000<\/td>\n<td>24 or 84 months<\/td>\n<td>600<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProductCard-bodyHeader\">\n    About the lender<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore --><\/p>\n<div class=\"mb-6\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Avant is best if you need to consolidate a small to midsize debt load. The maximum amount you can borrow is $35,000 \u2014 the lowest on our list of debt consolidation loans for bad credit. If approved, you could receive funds as fast as the next day. Plus, Avant allows you to manage your loan via its mobile app.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div><\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>No prepayment fee.<\/li>\n<li>Mobile app.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>High maximum rates.<\/li>\n<li>Administration fee up to 9.99%.<\/li>\n<li>Lower maximum loan amount.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProductCard-bodyHeader\">\n    About the lender<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore --><\/p>\n<div class=\"mb-6\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Best Egg can send funds directly to your creditors, which streamlines the debt consolidation process. Once approved, you can receive funds as early as the next business day.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Direct payment to creditors.<\/li>\n<li>Option to prequalify.<\/li>\n<li>No prepayment penalty.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Origination fee up to 9.99%.<\/li>\n<li>High maximum rates.<\/li>\n<li>No autopay discounts.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProductCard-bodyHeader\">\n    About the lender<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore --><\/p>\n<div class=\"mb-6\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Upstart might be a good choice if you have a thin credit profile \u2014 you don\u2019t necessarily need a credit score to qualify. The lender uses an untraditional approval model, looking at factors outside of your credit, like your education and employment.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Considers nontraditional factors.<\/li>\n<li>Fast funding.<\/li>\n<li>Considers nontraditional factors.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Origination fee up to 12%.<\/li>\n<li>No joint or cosigner option.<\/li>\n<li>Limited repayment terms.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-about-the-lender', 'heading-about-the-lender']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-about-the-lender')\" :aria-controls=\"$id('panel-about-the-lender')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h4 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    About the lender<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-about-the-lender')\" :aria-labelledby=\"$id('heading-about-the-lender')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>LendingClub is a digital lender and banking platform offering debit consolidation loans up to $60,000.This lender lets you combine multiple high-interest debts into one fixed monthly payment, which may allow you to pay off your debt faster.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Fast funding, usually within a day or two.<\/li>\n<li>Joint application available.<\/li>\n<li>Option to pay creditors directly.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Not available in every state.<\/li>\n<li>Origination fees applied to most loans.<\/li>\n<li>Fixed payment due date.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-about-the-lender', 'heading-about-the-lender']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-about-the-lender')\" :aria-controls=\"$id('panel-about-the-lender')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h4 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    About the lender<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-about-the-lender')\" :aria-labelledby=\"$id('heading-about-the-lender')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>LendingClub is a digital lender and banking platform offering debit consolidation loans up to $60,000.This lender lets you combine multiple high-interest debts into one fixed monthly payment, which may allow you to pay off your debt faster.<\/p>\n<\/div>\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>High loan amount.<\/li>\n<li>No prepayment penalty.<\/li>\n<li>Flexible due date.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Not all options available in all states.<\/li>\n<li>Higher-than-average interest rates. <\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"how\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to get a debt consolidation loan with bad credit\" data-outcome=\"\">How to get a debt consolidation loan with bad credit<\/h2>\n<p>Lenders base loan decisions largely on the condition of your credit. Generally, the lower your credit scores, the higher the interest rates lenders will offer you on financing. FICO defines bad credit as a score that\u2019s 579 or lower, though many lenders set the threshold for bad credit higher. <\/p>\n<h3><strong>1. Check and monitor your credit score<\/strong><\/h3>\n<p>Lenders base loan decisions largely upon the condition of your credit. Generally, the lower your credit score, the higher the interest rates lenders will offer you on financing.Many banks offer free tools that allow you to check and monitor your credit score. Once you know your credit score, it\u2019s easier to identify lenders that may be willing to work with you. There are lenders specializing in bad credit loans, and many list credit score requirements on their websites, which can help narrow down your choices.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Work on your credit first\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>A higher credit score can improve your chances of getting approved for a debt consolidation loan\u2014and help you qualify for better rates and terms. It may be worth waiting to apply until you\u2019ve built up your credit score.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>2. Review your finances<\/h3>\n<p>You may not be eligible for a loan if your credit scores are too low, but loan approval hinges on other factors, too. Perform a financial health check-up to understand your debt-to-income (DTI) ratio. You can nudge your DTI in the right direction by creating or revisiting your budget. Trimming your current expenses, paying off other debt and taking on side hustles are all helpful strategies.<\/p>\n<p>There are lenders that specialize in bad credit loans, and many list credit score requirements on their websites, which can help narrow down your choices. Do your research and compare loan amounts, repayment terms and fees from multiple sources.\u00a0Prequalify with at least three lenders to view your potential rates without a hard credit check. This process can take time, but it might save you hundreds, if not thousands, of dollars.<\/p>\n<h3>3. Prequalify with multiple lenders<\/h3>\n<p>With so many lenders out there, it can be overwhelming trying to decide where to begin. Here are some good places to start your search when choosing the right debt consolidation lender.<\/p>\n<div class=\"DefinitionList mb-8 DefinitionList--table\">\n<dl>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Credit unions and local banks<\/dt>\n<dd class=\"text-gray-700\">\n<p>Talk to a loan officer about whether you qualify for a personal loan \u2014 and what the rate and terms are if you do. The institution may look beyond your low credit score and consider your entire financial history, personal circumstances and relationship you have with them to approve you for the loan.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Online lenders<\/dt>\n<dd class=\"text-gray-700\">\n<p>They often offer bad-credit loans and generally have more flexible eligibility criteria than a traditional bank. However, online lenders typically charge high APRs and origination fees for bad-credit debt consolidation loans.<\/p>\n<\/dd>\n<\/div>\n<\/dl>\n<\/div>\n<h3><strong>4. Consider a cosigner, joint loan or a secured loan<\/strong><\/h3>\n<p>To increase your loan approval odds and chances of landing a lower rate, use a cosigner or co-applicant or shop around for a secured personal loan.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Cosigned loans. <\/strong>Cosigners share legal responsibility for the loan, but not ownership. Signing the loan documents with a creditworthy family member or friend can both increase your approval odds and lower your interest rate.<\/li>\n<li>\n<strong>Joint loans. <\/strong>Joint applicants (also called co-borrowers or co-applicants) take on the debt with the primary borrower and have joint ownership of the balance.<\/li>\n<li>\n<strong>Secured loans.<\/strong> These loans require some form of collateral, such as a vehicle, home or another asset. If you default, the lender will seize the collateral to recoup its funds. Because of this, getting approved for a secured loan is typically easier than an unsecured one, and you may even qualify for a better interest rate.<\/li>\n<\/ul>\n<h2 id=\"pros-cons\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Pros and cons of a debt consolidation loan with bad credit\" data-outcome=\"\">Pros and cons of a debt consolidation loan with bad credit<\/h2>\n<div id=\"block_6d1db2b18f0ce353f01b9038abe84783\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Potential to get a lower interest rate. Some borrowers may qualify for lower interest rates than what they are currently paying on their credit cards or loans.<\/li>\n<li>Simplify debt payments. Instead of making multiple payments each month to different lenders, you can make one payment to the same company.<\/li>\n<li>Allows credit cards to remain active. While most debt management plans require you to close all credit cards enrolled in the consolidation program, a debt consolidation loan does not have this requirement.<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Qualifying for a debt consolidation loan with bad credit can be challenging. Borrows with low credit scores may be viewed as risky, which can limit your terms and options.<\/li>\n<li>May not find a lower interest rate. Borrowers with low credit scores may only qualify for consolidation loans with the same or higher interest rates.<\/li>\n<li>Fees may force you to borrow more than you owe. Orientation fees and other charges are typically rolled into the loan, which can increase the balance borrowed or deducted from the proceeds.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<h2 id=\"where\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Where to get a debt consolidation loan for bad credit\" data-outcome=\"\">Where to get a debt consolidation loan for bad credit<\/h2>\n<p>With so many lenders out there, it can be overwhelming trying to decide where to begin. Here are some good places to start your search when choosing the right debt consolidation lender.<\/p>\n<h3>Credit unions and local banks<\/h3>\n<p>If you\u2019re a local bank customer or a credit union member, you can talk to a loan officer about whether you qualify for a personal loan \u2014 and what the rate and terms are if you do. The institution may look beyond your low credit score and consider your entire financial history, personal circumstances and relationship you have with them to approve you for the loan.<\/p>\n<h3>Online lenders<\/h3>\n<p>Online lenders are good places to look for debt consolidation loans if you have bad credit. They offer bad-credit loans and generally have more flexible eligibility criteria than a traditional bank. However, online lenders typically charge high APRs and\u00a0origination fees\u00a0for bad-credit debt consolidation loans.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Watch out for predatory lenders\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Predatory loans benefit the lender at your expense and are common for bad-credit borrowers. Watch for sky-high rates, pressure to act fast, or changing terms. From debt consolidation to auto loans, loans from predatory lenders can be costly and may push you deeper into debt instead of helping you get out.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"alternatives\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Alternatives to consolidating debt with bad credit\" data-outcome=\"\">Alternatives to consolidating debt with bad credit<\/h2>\n<p>If you cannot get a debt consolidation loan, you have other options. If you haven\u2019t already, start by trying to adjust your budget and spending habits to pay off your debt. Homeowners with equity can see if they qualify for a cash-out refinance or home equity loan to get funds that can be used to pay off debt.\u00a0<\/p>\n<p>If budget adjustments and alternatives for getting extra cash don\u2019t work, it may be time to consider debt settlement or filing for bankruptcy. You can contact lenders to see if they are willing to negotiate your debt at all. They may be willing to offer you a discount if you pay it all off now or offer you a payment plan. Filing for bankruptcy means going to federal court to get debts discharged, but it should only be used if you have exhausted all other options.\u00a0<\/p>\n<h3><strong>Balance transfer credit cards<\/strong><\/h3>\n<p>A balance transfer credit card lets you move high-interest debt to a new card with a lower rate, often a 0 percent intro APR for a limited time. This can help you pay down your balance faster, since more of your payment goes toward the principal instead of interest.<\/p>\n<p>Most cards charge a balance transfer fee, and the promotional rate only lasts for a set period. If you still have a balance after that, a higher interest rate will apply, so it is important to have a plan to pay it off before the intro period ends.<\/p>\n<h3><strong>Credit counseling<\/strong><\/h3>\n<p>Credit counseling is a service that pairs you with a professional who reviews your finances and helps you create a plan to manage debt. They can help you build a budget, understand your credit, and may recommend a debt management plan to simplify payments and potentially lower interest rates.<\/p>\n<p>Sessions are typically personalized based on your income, expenses, and goals, and many nonprofit agencies offer low-cost or free support. The goal of credit counseling is not just to tackle current debt, but to help you build better money habits and avoid future financial stress.<\/p>\n<h3><strong>401(k) loans<\/strong><\/h3>\n<p>A 401(k) loan lets you tap into your retirement savings and pay yourself back over time, usually within five years. There\u2019s no credit check, and as long as you stick to the repayment schedule, you won\u2019t owe taxes or penalties.<\/p>\n<p>Still, it\u2019s not risk-free. The money you take out stops earning investment returns, and if you leave your job or fall behind on payments, the remaining balance could be taxed and penalized.<\/p>\n<div class=\"BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0\">\n<blockquote class=\"BlockQuote-text text-center md:text-left\"><p>\n        <q>Individuals who take a 401(k) loan need to understand that if they do not repay the loan under the plan\u2019s terms, or if they leave their employer for any reason while the loan is outstanding, it will become a taxable distribution with penalties assessed. Read and understand your specific plan rules thoroughly. Not all plan rules are the same, and your plan administrator will oversee all loan terms.<\/q><br \/>\n                    <cite class=\"PullQuote-cite text-gray-900 ml-0 md:ml-4\"><br \/>\n                \u2014 Stephen Kates, CFP, principle insights analyst<br \/>\n            <\/cite>\n            <\/p><\/blockquote>\n<\/div>\n<h3><strong>Debt relief or debt settlement<\/strong><\/h3>\n<p>Debt settlement plans are when you negotiate with a creditor to pay less than what you owe, often in a lump sum, and have the rest forgiven. It\u2019s typically used for unsecured debt, when keeping up with payments is not a realistic possibility.\u00a0While it can reduce what you owe, it comes with significant trade-offs. It can damage your credit, involve fees, and there\u2019s no guarantee your creditors will agree, so debt settlement is usually seen as a last-resort option.<\/p>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\u00a0\" data-outcome=\"\"><b>Bottom line\u00a0<\/b><\/h2>\n<p>Getting a consolidation loan with a less-than-stellar credit score may be more difficult, but it\u2019s not impossible. Certain lenders cater to borrowers with low credit scores, or you can apply for a traditional personal loan with a cosigner or applicant. Regardless of whichever option you choose, make sure the loan is legitimate. It\u2019s not uncommon to see loans with predatorily high rates presented as bad credit loans.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"oOfS5YmX2h\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/debt-consolidation-loans-with-bad-credit\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways A debt consolidation loan is primarily meant to save money on interest \u2014 usually by securing a lower APR and a shorter payoff timeline. Bad credit debt consolidation loans may not be as effective due to the higher interest rates, but one can still simplify your monthly payments. Improve your chances of getting<\/p>\n","protected":false},"author":1,"featured_media":28158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":{"0":"post-28157","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgage"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Debt Consolidation Loans For Bad Credit - Fin Pros Alerts<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finprosalerts.com\/?p=28157\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Debt Consolidation Loans For Bad Credit - Fin Pros Alerts\" \/>\n<meta property=\"og:description\" content=\"Key takeaways A debt consolidation loan is primarily meant to save money on interest \u2014 usually by securing a lower APR and a shorter payoff timeline. 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Bad credit debt consolidation loans may not be as effective due to the higher interest rates, but one can still simplify your monthly payments. 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