With a consolidation loan
One plan, one lender.
- A single lender relationship
- A single payment to track
- A single team to call with questions
Combine every balance into one loan.
Debt Freedom Service introduces you to a lender that may be able to combine your unsecured balances into one personal loan, so you have a single payment to track and a single team to call.
- No cost to you
- Soft inquiry to start
- No obligation to accept
Getting started typically involves a soft credit inquiry, which generally does not affect your credit score. Whether a loan is offered, and on what terms, is decided by the lender.
Credit cards
Store cards
Medical bills
Existing personal loans
Other unsecured balances
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See what fits your budget.
Share a few details below and a specialist will review your request with our network of funding partners. Approval, amount, rates, fees, and terms are decided solely by the partner you're matched with.
No application fee charged by this website
Review timing varies by partner — no obligation to move forward
Bank-level encryption on everything you submit
Prefer to talk? Call (866) 779-3698
Debt Freedom Service
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Debt Freedom Service
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Many bills in. One plan out.
Every card, store account and statement runs on its own schedule with its own rules. Where a consolidation loan is available to you, it can bring them together under one lender, so there is one relationship to manage instead of many.
- Credit cardsEach with its own due date
- Store cardsAnother lender, another statement
- Medical billsBilled on a separate schedule
- Personal loansOne more payment to track
- Other unsecured balancesOne more thing to remember
Whether a loan is offered, and on what terms, depends on your credit profile, income and current balances. The lender will explain where you stand.
Three steps, taken at your own pace.
You'll talk with a person at the lender, not a phone menu. Here is the route from your first answer to your final decision.
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Step 1: Tell us what you're carrying
Answer a few straightforward questions about the balances you hold and what you'd like to simplify. No paperwork is needed to begin.
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Step 2: Meet a lender who fits
We introduce you directly to a lender that works with people in situations like yours, instead of sending your details out to a crowd of companies.
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Step 3: Decide on your terms
Read every detail, ask whatever you like and move forward only if it works for you. Nothing takes effect without your agreement.
A calmer way to find the right lender.
Plain language, a direct line to a lender and no surprises about what comes next.
No cost to use
We don't charge you for the introduction, whichever lender you're paired with. Looking into your options never comes with a fee from us.
Your details stay protected
What you share travels over an encrypted connection and goes only to the lender you're matched with, not to a wider circle of outside marketers.
One lender at a time
You're connected with a single lender, so your phone doesn't fill up with a stream of competing pitches.
Made for multiple balances
This approach works best when there are several accounts to bring together, and a lender will tell you plainly if it isn't a match.
An honest look at who this suits.
Consolidation isn't right for everyone, and we'd rather you know that up front. Here is how to tell which side you're likely to land on.
Often a good fit when
- You owe on several unsecured accounts, such as cards or medical bills.
- Keeping track of scattered due dates has become a constant distraction.
- You'd value one lender and one point of contact.
- You're willing to review an offer before deciding anything.
Probably not the right fit when
- Most of what you owe is secured, like a mortgage or an auto loan.
- You have just one balance to manage.
- You're looking for a guaranteed outcome. No lender can promise one.
- You'd rather not share any financial details with a lender.
This isn't an eligibility test. A consolidation loan suits some people and not others, and only a lender can tell you what may be available to you.
What people say after they ask.
A few words from people who explored their options.
I was tired of tracking a different date for every account. Having one lender to deal with felt like a weight coming off.
A real person answered my questions and never rushed me. That's when I stopped feeling suspicious about the whole thing.
I got to go through the offer line by line before deciding anything. Nobody pushed, which honestly surprised me.
Questions people ask first.
Straight answers to the things most people want to know before they share anything.
Prefer to ask out loud?Call (866) 779-3698 and we'll help.
Generally not at the start. Early steps typically involve a soft inquiry, if an inquiry is made at all, and soft inquiries don't normally change a score. Before you agree to anything, ask the lender to walk you through their process.
No. Debt Freedom Service is a referral service and does not make loans. We introduce you to a personal loan lender, and that lender alone decides your rate, your terms and whether you're approved.
You pay us nothing for the introduction. Any interest, fees or repayment schedule would be set by the lender, and should be explained to you before you commit.
Lenders in our network generally look at unsecured debt: credit cards, existing personal loans and medical bills. Debts backed by collateral, such as a mortgage or an auto loan, are typically not included.
Not necessarily. Each lender weighs your credit history, your income and what you owe overall, so results vary from person to person. Nothing is guaranteed, but a lender can explain where you stand.
A lender reviews what you shared and reaches out to discuss possible next steps. Timing varies by lender and by your situation, and they can set expectations with you directly.
It is sent over an encrypted connection and shared only with the lender you're matched with. We don't sell it to outside marketers.
No. Reviewing an offer doesn't commit you to anything. Go through the details, ask about whatever is unclear and accept only if it truly works for you.
Your next step can be a simple one.
Find out what may be available to you. There is no cost, no pressure and no obligation, and every decision stays with you.
- No cost to explore
- No pressure to accept
- A real lender on the line