Debt Consolidation Loans

Why choose Universal Credit for a debt consolidation loan?

We make the process of consolidating your debt easy -- we’ll even arrange to pay off your debts for you!

Fixed rates and payments

A consolidation loan you can budget around

Fast funding when you need it

Get on the road to debt consolidation faster

Dedicated support

24/7 mobile access and help every step of the way

We save you time

Tell us which debts you want to pay off, and we'll set it up for you

Why get a debt consolidation loan?

Save time and money by consolidating your debt into a single monthly payment

Simplify your monthly bills

Instead of many bills over the course of a month, simplify with a single payment

Plan around a fixed rate and payment

Enjoy the peace of mind of a rate and payment that will never go up

Get on a path to getting out of debt

With a set loan term, you'll have a clear payoff date you can circle on your calendar

What is a debt consolidation loan?

A debt consolidation loan is a personal loan that you use to combine multiple balances from credit cards and other high-interest loans into a single loan with one monthly payment. In addition to reducing the number of monthly payments you have, a debt consolidation loan may also reduce your interest rate and make it easier to pay off your debt faster. At Universal Credit, all debt consolidation loans have a fixed rate that never changes and a set number of substantially equal payments.

How does a debt consolidation loan work?

Debt consolidation is easy with a loan through Universal Credit:

Check Your Rate

Tell us about yourself and how much debt you want to consolidate

Choose Your Offer

Review your loan options and pick the one that works best with your debt consolidation needs and your budget

Consolidate your debt into a single payment

Use your new loan to pay off your existing debt and enjoy the simplicity of a single monthly payment