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FAQ's

What is a consolidation loan?

It’s for individuals who need to consolidate credit cards and other high interest debts into one affordable lower monthly payment.

How do consolidation loans work?

They’re loans with low interest rates intended to help pay off certain types of high interest debt much faster.

How do you qualify for a consolidation loan?

A good credit standing is not required, but you do need to speak to a representative to verify your income and how much unsecured debt you have. 

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Please be aware that all calls with Company may be recorded or monitored for quality assurance and training purposes. Clients who remain in the program and have all their debt settled may experience average savings of approximately 46% before fees, or 25% including our fees, over a period of 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment, and not all clients complete our program due to various reasons, including their ability to save sufficient funds. Estimates are based on past results, which will vary depending on individual circumstances. We do not guarantee that your debts will be reduced by a specific amount or percentage, nor that you will become debt-free within a specific timeframe. We do not take on consumer debt, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. Our services are not available in all states. Please consult a tax professional to discuss the tax implications of settlement. For more information on bankruptcy, please consult with a bankruptcy attorney. Depending on your state, we may be able to refer you to a local tax professional and/or bankruptcy attorney. Please read and understand all program materials prior to enrollment, including potential adverse effects on credit ratings.

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER. Consolidation loan options provided by our affiliates range from $1,000 to $50,000, with Annual Percentage Rates (APRs) ranging from 6.99% to 35.99%, origination fees from 0% to 10% of the amount financed, and loan terms from 12 to 60 months. A typical example of a personal loan involves a loan amount of $23,760, a 4.95% origination fee, a 48-month repayment term, and an interest rate of 18.00%. The borrower would receive $22,584 (the loan amount less the $1,176 origination fee), with a monthly payment of $697.95, equating to an APR of 20.89%. The total interest paid would be $9,741.60, making the total cost of the loan (interest plus origination fee) $10,917.72. In this example, total payments made would equal $33,501.60. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates.

Hardship Lenders does not discriminate based on race, color, religion, sex, marital status, national origin, or ancestry. Testimonials reflect individual opinions and may not be representative of all client experiences.

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