Debt Consolidation Loans
$500 – $5,000
Combine multiple high-interest debts into one manageable forward funding loan. One payment, one fixed rate, one clear payoff date — and your FICO score stays protected throughout.
Start Consolidating Today
Check your rate — soft pull, FICO safe
Soft pull only · All credit welcome · No obligation
Before & After Debt Consolidation
Multiple high-rate balances become one predictable forward funding payment.
BEFORE — Multiple Debts
AFTER — One Forward Funding Loan
*Representative APR. Actual rate depends on credit profile and lender assessment. All rate checks use soft pull only.
Benefits of a Debt Consolidation Loan
A forward funding personal loan makes debt consolidation accessible, fast, and transparent — even for imperfect credit profiles.
Simplify to One Payment
Replace multiple due dates, minimum payments, and statement cycles with a single fixed monthly forward funding payment. Less to track means fewer missed payments and less stress.
Potentially Lower Overall Rate
Replacing high-APR credit cards (often 20–30%) with a fixed forward funding personal loan at a lower rate can reduce total interest paid over the life of your debt. Use our calculator to compare.
Fixed Payoff Timeline
Unlike revolving credit cards with no end date, a forward funding consolidation loan has a defined repayment schedule — up to 72 months. You know exactly when you'll be debt-free.
Soft Pull — FICO Protected
Checking your forward funding consolidation loan rate uses a soft credit inquiry only. Your FICO score is completely protected throughout the rate-check stage. No hard pull until you formally accept an offer.
Fast Forward Funding — Next Day
Accept your consolidation loan offer and funds can be deposited to your bank account as fast as the next business day — letting you pay off existing debts immediately and start fresh.
TILA-Compliant Transparency
Every forward funding consolidation loan offer includes full APR, total repayment cost, and term disclosure before you commit — in plain language, fully compliant with the Truth in Lending Act.
How Debt Consolidation with Forward Funding Works
Four steps to replace multiple debts with one clear forward funding loan.
Apply Online
Complete our secure application in ~3 minutes. Tell us your consolidation amount and basic financial details.
Get Your Rate
View real APR offers from our lender network. Soft pull only — zero FICO impact at this stage.
Accept Your Offer
Choose the offer that fits your budget. Full TILA cost disclosure shown before you commit.
Pay Off Your Debts
Funds deposited as fast as next day. Use them to clear existing balances and start with one clean payment.
Debt Consolidation FAQs
Yes. A Forward Funding personal loan from $500 to $5,000 can be used to pay off credit cards, medical bills, payday loans, or any other high-interest debt — consolidating them into one fixed monthly payment with a clear payoff date.
Checking your forward funding rate uses a soft pull only — no FICO impact. Paying off credit card balances with a consolidation loan can actually improve your credit utilization ratio over time, which is a positive factor in your FICO score calculation.
Forward Funding personal loans range from $500 to $5,000, making them ideal for consolidating small-to-medium debt balances. For larger consolidation needs beyond $5,000, you may need to explore additional lender options.
The application takes about 3 minutes. Decisions are typically returned same-day. Once you accept an offer, funds can be deposited as fast as the next business day — meaning you could be paying off your debts within 24–48 hours of applying.
Debt consolidation is most beneficial when the new loan's APR is lower than your existing debts' average APR, and when you can commit to the fixed monthly payment schedule. Use our free loan calculator to compare your current debt payments vs. a single consolidated payment.