Combine multiple balances
Clear credit cards, store cards, and existing personal loans with one consolidation loan.
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1 paymentfor every debtsoft credit check
Combine your debtsinto onesimpler payment
Roll multiple high-interest balances into a fixed-rate loan with one predictable monthly payment and a clear debt-free date.
What you get
Combine multiple high-interest balances into a single fixed-rate loan with one predictable monthly payment and a defined payoff date.
Aim for a lower APR
You may be able to secure an interest rate lower than the APRs on some of your existing debts.
One fixed payment. A defined payoff date.
Replace multiple changing minimum payments with one predictable monthly payment - and know the expected timeline to payoff.
No collateral needed
Consolidation may be available through unsecured personal loans, so you don't have to pledge personal assets.
Room to rebuild credit
Paying down revolving balances can reduce credit utilization and may give you more room to rebuild your credit over time.
Loans by AltF is not a direct lender. Potential rates, loan amounts, terms, and eligibility are set by participating lenders. Checking rates may involve a soft credit inquiry.
Debt consolidation essentials
Multi-debt simplification
Merge several balances into one simpler, predictable payment.
Soft check no score impact
Explore potential rates without affecting your credit score.
Bank-level security
Your applications and data are protected with bank-level security.
BENEFITS
Why borrowers consolidate
Potential interest savings
A lower rate may reduce the amount of interest paid over the life of the loan.
Simpler, predictable payments
Replace several debt payments with one predictable monthly payment - and fixed rates make planning easier.
Multi-lender rate comparisons
Comparing offers can help you evaluate different rates, terms, and monthly payments before choosing an option.
From application to funds
Four steps from a soft credit check to one simple monthly payment.
Discuss your options
Credit score & history
Your credit profile, repayment history, and credit management habits can influence the rates and terms you may qualify for.
Total loan amount & term length
The amount you borrow and how long you take to repay it can affect your rate and monthly payment.
Income stability & DTI ratio
Lenders may consider how your existing debt payments compare with your income, and how stable that income is.
Debt Consolidation FAQs
01 / 06Question 01“Checking potential rates may involve a soft credit inquiry, which generally does not affect your credit score. If you proceed with an application, a lender may perform a hard credit inquiry, which can affect your score.”
Good to know before you apply
Read the full disclosures
Loans by AltF is not a direct lender. We help you explore and compare potential loan offers from participating providers.
Actual approval, APR, loan amount, repayment terms, fees, and eligibility are determined by the applicable lender.
Checking potential rates may use a soft credit inquiry that does not affect your credit score. Review the lender's terms and conditions before accepting an offer.
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