Guide to Lenders Review
  • 10 / 10
  • Loans of $1,000 - $40,000

    Loan Terms of 24 - 84 Months

    APRs of 5.99% - 35.99%
  • Ranked #1 By Top 10 Credit Relief

    Works with Excellent, Good, Fair, & Poor Credit

    Get Up To 5 Loan Offers In Minutes
  • Guide To Lenders provides a free service that helps connect customers with lenders. Their service which can sometimes feel "invisible" seeks to make the application process easy & user-friendly for customers who are looking for a way to consolidate personal debt into one easy payment.
CashUSA Reviews
  • 9.5 / 10
  • Loans of $500 - $10,000

    Loans Terms of 3 to 72 Monthss

    APR of 6% to 35.99%
  • Money in Your Account FAST!

    All Credit Welcome

    An Excellent Choice For Short Term Credit Needs
  • CashUSA is one of America’s most trusted resources for cash loans. CashUSA utilizes its vast network of reliable lenders from which customers can submit a request for a personal loan. CashUSA offers you the secure, convenient and fast service you need to find a personal loan that can work for you.
Lendingtree Reviews
  • 9.25 / 10
  • Loans of $1,000 To $35,000

    Loan Terms of 90 Days - 15 Years

    APRs of 5.99% To 35.99%
  • Ranked A- By The Better Business Bureau

    Works with Excellent, Good, Fair & Poor Credit

    Get Up to 5 Loan Offers in Minutes
  • LendingTree is a leading online loan marketplace with one of the largest networks of lenders in the nation. Its service provides consumers a way to connect with multiple lenders for a number of financial borrowing needs. From the comfort of their homes, consumers can fill out one simple form and are able to shop, compare, and save on the loans they need.
Bad Credit Loans
  • 8.75 / 10
  • Loans of $500 - $10,000

    Loan Terms of 3 - 36 Months

    APRs of 5.99% To 35.99%
  • Has Been In The Business of Helping People Since 1998

    All Credit Types Accepted

    Loan Approval Within 24 Hours
  • Bad Credit Loans understands that there are emergencies no one can plan for, and they aren’t limited to helping only consumers with perfect credit. Sometimes a run of bad luck comes up through no fault of your own. However, as long as you’re working, Bad Credit Loans may have the resources to lend you a helping hand no matter if your credit is good or bad.
Monevo Reviews
  • 8.5 / 10
  • Loans of $1,000 - $100,000

    Loan Terms of 3 - 144 Months

    APRs of 3.99% - 35.99%
  • Solutions Available For All Credit Scores

    Works with Excellent, Good, Fair, & Poor Credit

    Personalized Loans Offers In Less Than 60 Seconds
  • Monevo is a huge online lending marketplace with direct access to hundreds of loan companies around the world. This access to real-time responses from lenders and loan brokers enables Monevo to give consumers an accurate and reliable reply in just 2 minutes. The service is completely free to use and helps lead borrowers to low rates.

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Best Bad Credit Debt Consolidation
Guide to Lenders

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Freedom Debt Relief Reviews


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  • Largest US Debt Settlement Company
  • Over $10 Billion Resolved Since 2002
  • $10,000 Minimum Debt Required
  • No Minimum Credit Score Required
  • 24 to 48 Month Program


Accredited Debt Relief Reviews


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  • Nationally Recognized Debt Relief Company
  • Rated A+ by the Better Business Bureau
  • $7,500 Minimum Debt Required
  • No Minimum Credit Score Required
  • 24 to 48 Month Program

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About bad credit debt consolidation

What is a personal loanWhat is a Personal Loan?

A personal loan, sometimes referred to as a signature loan or unsecured loan, is an amount of money loan made to an individual typically without any collateral. Personal loans used to be seen as a solution for people in dire financial straits, however, today the options and terms are better than ever and more and more everyday people are taking out personal loans.

Is it a Good Idea to Get a Personal Loan?Personal Loan No Credit Check

A personal loan can be a great idea if you have outstanding credit card debt and a less then perfect credit score. If you use the personal loan to pay off the credit cards, you can improve your credit score and then pay off the personal loan, which will almost certainly have an better interest rate than the credit card.

Even if you don't have card credit debt, taking out a personal loan and repaying it is a good way to establish positive credit, which will help you down the road when you apply for a car or house loan.

If you have multiple outstanding debts - or just one - at a high interest rate that's taking a real bite out of your paycheck each month, then a personal loan could really help out. Find a lender that can give you a personal loan with a friendlier interest rate and then use that to pay off the other debts.

A personal loan can help you pay for home renovations, which can significantly improve the value of your home. This can really pay off if you're looking to sell the house in the near future, or if you'd like to increase the value of your home in order to borrow against the equity.

Things don't always go as planned, and sometimes we need a little extra help. A personal loan can help you handle unexpected medical bills, home repairs following a flood or a fire, or a sudden expense like a funeral. When hard times come, having some financial peace of mind can make things a little bit easier, and that's no small thing.

credit score calculation

How is my Credit Score Calculated?

According to Fair Isaac (the creator of the FICO Score), your payment history is the most important element in determining your credit score and represents 35% of it. It is simply a record of whether you've paid your bills on time. The second most important is the amounts owed and represents 30% of the score. This factor is a bit more complicated as it looks at the total amount of credit that you have available and looks at how much of that you are utilizing . It is also known as your "utilization ratio." Lenders believe that borrowers that are close to maxing out their credit are more likely to miss payments. The third variable, length of credit history, represents 15% of your credit score. It is determined by the average age of your accounts, as well as how long it's been since those accounts were used. Your New Credit represents another 10% of your credit score. It looks at how many new accounts have been opened (opening a whole lot of new accounts at once will hurt your score). The final 10% factor is the Types of Credit that you have. FICO looks favorably on having a mix of different types of credit accounts (such as a mortgage, student loan and car loans). Lenders like to know that you can manage various kinds of accounts responsibly.

Can I Get A Personal Loan if I Have Bad Credit?

A bad credit score, one that's below 630, does necessarily have to keep you from getting a loan. Some online lenders focus on sub-prime credit. These companies look at your credit scores and background when underwriting your loan but they also have more flexible requirements than banks do.

If you're borrowing money to pay off debt, a personal loan works best if you have a plan to tackle your debts. Developing a budget and beginning a savings habit are small steps that could help you build a stronger financial future.

If you do not have an immediate need for money, work on building your own credit. A higher credit score will qualify you for more loan opportunities, lower interest rates and better loan terms later on.

Interest Rate Solutions

How Do Interest Rates Work?

An interest rate is the cost of borrowing money. A borrower pays interest for the ability to spend money today, rather than wait till he's saved the same amount. Interest rates are expressed as an annual percentage of the total amount borrowed, also known as the principle. For example, if you borrow $100 in an annual interest rate of 4.5% percent, at the end of the year you will owe $104.50.


Best Interest Rates

How Does a Lender Decide What Interest Rate to Give Me?

Interest rates are not just random punishments for borrowing money. The interest a lender receives is his reward for taking a risk. With every loan, there's a risk that the borrower won't be able to pay it back. The higher the risk that the borrower will fail to repay the loan, the higher the rate of interest.

The primary factor is determining the lender's risk is your credit score. Lenders also look at your overall stability. Are you a homeowner or a renter?Do you have a stable employment history? What is your average monthly income?Do you collect or pay alimony? Have you ever filed bankruptcy? These are the types of questions you can expect to see on even the simplest loan applications.