Best Loan Consolidation Made Easy

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Do You Qualify For a Debt
Consolidation Loan?

See if you qualify to combine all your monthly payments into one
  • Get a Free Consolidation Quote
  • Be Debt Free In 24 to 48 Months
  • Be Debt Free In 24 to 48 Months

Your Estimated Debt to Consolidate

You must have a minimum of $10,000 in debt to qualify for consolidation

$10k
$100k+

I agree to the privacy policy and I agree to be contacted at the phone number I provided as a best contact number, and/or emailed for the purpose of communication regarding evaluation of loan consolidation services.

Excellent

5/5
Based on 109 reviews.
Overall 4.4 out of 5 stars

Trystan Ruiz

Approved!

I applied here for a consolidation and was approved. This program cut my payments in almost half and saves me money monthly.

Zahara Pham

Very Helpful

Axis consulting helped me every step of the way!

Saif Easton

This loan saved my business

I was approved for a loan to consolidate all my payments for my business. At one point I had financial difficulties making my monthly payments because of the high interest rate payments. This loan cut my payments in half and helped my business survive.

Isra Bernard

Im back on track

Very happy customer. I was going through a divorce and was basically tapped out of funds between lawyer fees, etc. My monthly payments were so behind to the point I had no more credit cards to use. This loan took all my payments into one and reduced the total amount. Thank you, thank you, thank you for putting me back on track!

Brianna Mcnally

Thank you!

Thank you so much for helping me find a company that gave me a fair loan that I felt I deserved.

Clinton Kaur

Great Staff

Spoke with a very knowledgeable and friendly consultant. After I applied, I had an online log in to see my status. Overall satisfied with the service.

Debt Settlement vs Consolidation

Debt settlement and debt consolidation are debt-reduction strategies

DEBT SETTLEMENT
usually reduce the total amount
you owe

How Does Debt Settlement Work?

  • Usually only available for delinquent accounts with several months of missed payments.
  • Debtors need to show an inability to pay the original amount.
  • Certain debt savings from deb settlement are taxable.

STEP-BY-STEP

  • A debtor negotiates with creditors to try and reduce the total amount owed.
  • Successful negotiations result in a lower payoff amount.
  • The new amount is documented in writing.
  • The debtor sends a monthly payment to an escrow account.
  • Once the account has enough money, the debtor usually pays it off in one lump sum.

Why do creditors agree to a lower
payoff amount?

There’s a lower chance they’ll get the money back the longer a debt in unpaid.

Creditors can cut their losses by offering a lower payment amount.

Settlement helps lower the risk of a debtor filing bankruptcy and having debt discharged.

CONSOLIDATION
Combines all of your debts into one
monthly payment

How Does Debt Consolidation Work?

  • Good for people with lots of different unsecured debt.
  • Combines multiple unsecured debts into one monthly payment.

Consolidation can involve a Debt
Management Plan (DMP)

  • The debtor consults with an experienced credit counselor.
  • The counselor gives actionable advice to control expenses.
  • The debtor, credit counselor, and creditors create an agreement for debt repayment.
  • The debtor pays are combined monthly payment to the counseling agency.
  • The agency allocates funds from the monthly payment to individual creditors
  • Credit accounts are closed, which can hurt credit scores.
  • A DMP appears on credit reports but does not hurt credit scores.

Or a Debt Consolidation Loan (DCL)

  • The debtor takes out a new loan.
  • The new credit account often has lower interest rates or payment amounts.
  • Funds from the DCL are used to pay off all existing unsecured debt.
  • A DCL allows a debtor to focus on one streamlined monthly payment with one creditor.
Proven Strategy
Combine all your monthly payments into one. Save interest and reduce total loan amount due to creditors.
Reduce Payments
With consolidation loans your payments will go down because you don’t pay interest. Lower payments equals more money for you!
Results Matter
If you feel your interest payments are to high or not affordable see if you qualify for a debt consolidation loan.
All Annual Percentage Rates (APRs) range from 3% to maximum 6% including all applicable fees such as the origination fee. Repayment periods range from 12-48 months. For example a $10,000 loan with a 6% APR in a 12 month term would have an estimated $883.33 monthly payment with a total payback of $10,600. This (APR) is compliant with the Truth in Lending Act (TILA). You may NOT qualify for this loan. By using our content, products & services you agree to our Privacy Policy. This loan is subject to review, you must fit all our standards upon review to qualify. This page is used for advertising purposes. Read About Us to learn more about Axis Consulting.

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