How to Get a Debt Consolidation Loan with Bad Credit

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Key takeaways

Debt consolidation loans help you save money on interest and simplify your monthly payments.
You can qualify for a debt consolidation loan with poor credit, but you may receive higher interest rates.
Alternative ways to pay off debt include credit counseling or home equity loans.

Debt consolidation combines multiple debts into one at a lower interest rate. It simplifies your finances and should save you money. Personal loans are one of the most accessible approaches to consolidating debt.

While accessible, a personal loan with a low interest rate can be tricky to get when your credit is not up to par. Lenders are less likely to offer you deals, but consolidating debt is still possible.

Here are steps you can take to consolidate debt with less-than-perfect credit.

Can you get a debt consolidation loan with bad credit?

You can get loans for debt consolidation with bad credit, but they may come with trade-offs. Your choices will be limited to lenders who work with borrowers who have poor scores. The loans you qualify for will come with higher annual percentage rates (APRs) and less favorable terms.

Steps to qualify for debt consolidation loans for bad credit

Understanding how to qualify for a personal loan with bad credit can increase your chances of approval. Here are a few steps to take.

1. Check your credit score

Most lenders have minimum credit score requirements. You need to know your credit score so that you only apply for loans for which you have a chance of qualifying.

Your credit score is a reflection of the data on your credit report. You can request your credit report once a year for free via annualcreditreport.com.

Review your reports to identify any past mistakes, such as late payments or errors. If you find an inaccurate negative mark, dispute it. Getting a negative mark off your report can improve your credit score. You may qualify for better debt consolidation loan rates.

2. Research bad credit lenders

Not all personal loan lenders cater to people with poor credit. Look for lenders that specialize in bad credit loans for debt consolidation.

These lenders will have low minimum credit score requirements and consider alternative factors, such as education or employment history.

3. Consider a co-signer

A co-signer with good credit may increase your chances of approval with favorable terms. Lenders are more likely to approve a debt consolidation loan with a cosigner because it reduces their risk. If you default, your co-applicant will be responsible for paying the loan.

4. Apply for prequalification

Many lenders offer a prequalification process that doesn’t affect your credit. The lender reviews your information and conducts a soft inquiry to see if you meet their basic criteria.

Prequalify with a few lenders and compare loan offers. Review the interest rates, fees, amount, terms, etc., to find the most affordable option.

5. Formally apply for the loan

Once you’ve selected a prequalified offer, it’s time to submit your application. If approved, read the loan agreement carefully to ensure the repayment plan aligns with your budget. Taking out a loan you cannot afford will only make your situation worse.

Some lenders will pay your creditors directly with the loan funds, simplifying the process for you. Others will deposit the funds into your bank account. You are then responsible for using that money to pay off your existing debts.

Bad credit holding you back?

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Where to get bad credit debt consolidation loans

When searching for a debt consolidation lender with bad credit, you will have to be selective. Here are a few places to start your search.

Online lenders

Online lenders tend to have less rigid criteria and lower minimum credit score requirements. Many look beyond credit scores and consider alternative factors, such as education and employment history. You can also find online lenders who give rate discounts for direct payments to creditors.

Be sure to research the lender’s reputation and read the fine print to avoid high fees or predatory terms. Many online lenders charge higher APRs and origination fees, which can add to the total cost of borrowing.

Credit unions and banks

If you are a member of a credit union or local bank, it is worth approaching them about a debt consolidation loan. They may be willing to look beyond your score and consider your entire financial situation and relationship with them.

Credit unions are nonprofit and often more flexible with underwriting standards. You might even score a lower interest rate than with an online lender.

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While banks tend to have stricter requirements, having an existing account can improve your chances of approval.

Does consolidating debt hurt credit?

Does debt consolidation hurt your credit? The answer is that it depends on how you manage it.

Applying for a loan will temporarily lower your score by a few points due to the hard inquiry. The dip is typically only 5-10 points, and you can recover within a year.

If you use the funds to pay off credit card debt, you will lower your credit utilization ratio. Your utilization ratio accounts for 30% of your credit score, so lowering it can boost your rating.

If you use the funds to pay off loans, you will have to close the accounts. You may see a slight dip in your score, as it will lower the average length of your credit history (15% of your score). Paying off the loan and experiencing this dip is better for your credit and overall financial health in the long run.

The key to consolidating credit card debt without hurting your credit is to make on-time payments. Payment history is 35% of your score. As long as you pay off the new loan on time, your score will improve.

Pros and cons of debt consolidation loans

Pros:

Simplifies multiple payments into one monthly bill
May save money with a lower interest rate
Can reduce your monthly payment
Helps build credit if you pay on time
Offers a clear timeline for debt payoff
Reduces the stress of managing several debts
May help you pay off debts faster

Cons:

May come with fees
Could extend your repayment timeline
Can result in higher monthly payments
Missing payments can hurt your credit score
Doesn’t address the underlying cause of debt

Alternatives to a credit card debt consolidation loan

Consolidation with a personal loan is not the right choice for everyone. Plenty of other ways exist to become debt-free.

Home equity loan or HELOC

If you own a home, you may qualify for a home equity line of credit (HELOC) or a home equity loan for debt consolidation. Home equity products have lower interest rates than personal loans, as they are secured by your property. To qualify, you will need 15% to 20% equity in your property and a decent income.

The difference between a HELOC vs home equity loan is how you handle the money. A home equity loan gives you a lump sum with a fixed interest rate that you repay in installments. A HELOC is similar to a credit card, offering a revolving limit and a variable rate. You can borrow as needed during the draw period and pay interest only on what you use.

Both methods let you consolidate debt at a lower interest rate. The problem is that you risk losing your home if you don’t pay.

401(k) loan

A 401(k) loan typically doesn’t require a credit check and comes with a relatively low interest rate. You can use the money to pay off creditors and end up with one bill.

Dipping into retirement funds is tempting, but a risky move. If you leave your job, you will need to repay the loan quickly. Otherwise, the IRS considers it a withdrawal and will tax it as income. You also lose the benefits of your money growing in your retirement account.

If you’re considering a 401(k) loan, ask, ‘Can I cancel my 401 (k) and cash out while still employed?‘ The answer is usually no, unless you meet specific hardship criteria. And even if you could, early withdrawals come with hefty penalties.

Ready to be debt-free?

Check out how to pay off debt with no money!

Credit counseling

Nonprofit credit counseling agencies offer guidance on how to get out of debt fast. A credit counselor can review your finances and enroll you in a debt management plan (DMP). DMPs consolidate your debts into a single monthly payment, often with reduced interest rates.

Credit counseling is a solid option if you would like professional guidance. Nonprofit agencies can also teach budgeting skills and help you negotiate credit card debt with your creditors.

Debt settlement

Debt settlement is when you or a company negotiates with creditors to pay less than what you owe. If you work with a debt settlement company, you will have to pay a fee for their services.

Either way, you stop making payments and instead deposit money into a separate account. Once there’s enough to make a lump-sum offer, the agent will negotiate with your creditors.

Settlement can get you out of debt for less, but it is risky. Missing payments will damage your credit and result in late fees or collection calls. There’s no guarantee your creditors will settle. You may owe taxes on forgiven debts.

The settlement industry is full of bad actors. It’s fair to ask, Is National Debt Relief legit or just another scam? Always read reviews and check for accreditations to verify the company is trustworthy.

Debt repayment options

You can also pay off debts on your own using the debt snowball or avalanche methods. With the snowball method, you pay off the smallest debts first to build momentum. The avalanche focuses on high-interest debts to save money.

These strategies are effective ways to pay off debt, but require discipline and consistency.

Frequently asked questions

1. Is a debt consolidation loan a good idea?

A debt consolidation loan can be good if it saves you money and makes it possible for you to pay off debt faster. It works best when you have steady income and can secure a lower interest rate. A new loan will not help if you continue overspending or are unable to qualify for favorable terms.

2. Which banks offer debt consolidation loans for bad credit?

Discover, Citibank, and U.S. Bank all offer debt consolidation loans. Their requirements will be stricter than those of online lenders or credit unions. Upgrade, Upstart, LendingPoint, and Avant are online lenders who consider borrowers with low credit scores.

3. How do I consolidate my credit card debt with bad credit?

Search for lenders who offer loans with low minimum credit score requirements. You may also consider applying with a co-signer or using a secured loan. Another option is to enroll in a debt management plan. DMPs essentially roll your debts into one at a lower interest rate without having to apply for a loan.

4. Is it easier to get a personal loan or a debt consolidation loan?

Debt consolidation loans are a type of personal loan. Approval for both depends on your credit score, income, and debt-to-income ratio.

5. What credit score do I need to qualify for a debt consolidation loan?

Most lenders prefer a credit score of 600 or higher for debt consolidation loans, though some accept scores as low as 580. To secure the best interest rates, you typically need a credit score above 690. If your credit is below 600, you may still qualify, albeit with higher rates.

Bottom line

Securing a debt consolidation loan with bad credit is only the beginning. Once you obtain the loan, you must repay it as agreed. Otherwise, you’re simply moving debt around and won’t be any closer to paying it off. If you’re concerned about spending the money or missing payments, consider choosing a lender that pays your creditors directly.

As you consistently make timely payments on your new loan, your credit score will improve. Debt consolidation simplifies payments, saves you money, and helps build credit when done correctly.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Paycheck Advance is an earned wage access service and is not a loan or credit product.

3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

6. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

9. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

10. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

11. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

12. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

13. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

14. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

15. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

16. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

17. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

18. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

19. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

20. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

21. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

22. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

23. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

24. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

25. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

26. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

27. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

28. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

29. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

30. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

31. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

32. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

33. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

34. Tipping or not tipping has no impact on your eligibility for SpotMe®.

35. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

36. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

37. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

38. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

39. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

40. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

41. MyPay is only offered in select states

42. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.

43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com). Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms. Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor's credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor's degree in journalism and an MBA.

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How to Get a Debt Consolidation Loan with Bad Credit

Key takeaways

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Can you get a debt consolidation loan with bad credit?