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Consolidation Loans

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Home / Consolidation Loans

◀ Consolidation Made Easy

Our terms are flexible to your needs.

24 Months

Lowest cost overall

48 Months

Reduced monthly payment

36 Months

Most popular term length and interest rate

60 Months

Lowest monthly payment

◀ Consolidate Credit Cards And More

Get an online debt consolidation loan, hassle-free.

Debt Consolidation

Debt Consolidation

Consolidate your credit card debt and high-interest debt into one fixed-rate loan. This can significantly reduce your monthly payments and save you thousands a year. Consolidate for free today with us.

Check my rate

A path that's easy to follow

A simple, straightforward path from start to finish.

1

Check Your Rate

Tell us a little about yourself so we can aim to find a qualifying rate.

2

Choose Your Plan

You choose the plan that works best for you from the options our trusted partners offer.

3

Receive Your Funds

Your money could be deposited into your account in as little as 24 hours.

In as quick as 24 hours, funds may be deposited into your account.

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Consolidation Loan Questions

What debts can I consolidate?

Most borrowers consolidate credit card balances, medical bills, and other personal loans into a single new loan with one fixed monthly payment.

Will consolidating lower my monthly payment?

It can, depending on the rate and term you qualify for compared to your current debts. Checking your rate shows you a real offer to compare against what you're paying now, with no impact to your credit score.

How long are consolidation loan terms?

Terms typically range from 24 to 60 months. Shorter terms generally cost less in total interest; longer terms lower the monthly payment.

Does consolidating hurt my credit score?

There's often a small, temporary dip from the hard inquiry and new account when you formally apply, but many borrowers see their score recover and improve over time as utilization drops.

Is there a fee to check my rate?

No. Checking your rate is free and uses a soft credit pull that doesn't affect your credit score.

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Charter Funding is here to help you move toward financial confidence by connecting you with lender options that may fit your needs, no matter your credit background.

The operator of this website, United Funding Systems LLC d/b/a Charter Funding, provides loan referral services but does not make personal loan, underwriting, or credit decisions. This website does not constitute an offer or solicitation to lend. Providing your information on this website does not guarantee that you will be approved for a personal loan. The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.

Personal loans offered through our lending partners range from $10,000 to $100,000, with annual percentage rates (APRs) from 5.95% to 36% and repayment terms from 24 to 240 months. In no case will the maximum APR exceed 36%. The lowest rates, largest loan amounts, and longest repayment terms are reserved for applicants with excellent credit; your actual rate, amount, and term depend on your credit profile, income, and the lending partner's underwriting criteria. Not all applicants will qualify.

Your actual interest rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lending partner. An example of the total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 15% would be equivalent to approximately $12,497.53 over the 36 month life of the loan.

Checking your interest rate generates a soft inquiry on your credit report, which is visible only to you. Individual lenders may perform a hard inquiry that could affect your credit score when you submit an application for credit.

The information you provide will be shared with lenders and third parties in order to process your request.