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Debt Consolidation Loans

Rates as low as6.99% APR1

Couple sitting at a table with bills and laptop

A Truliant consolidation loan can save you money.

  • Competitive rates
  • Tailored to your specific needs
  • Adjustable terms to fit your budget
  • 90-day deferred payment2

A debt consolidation loan is a personal loan that can be used to pay off other loans with higher interest rates. Credit cards and auto loans are commonly combined to alleviate stress from debt. Debt consolidation loans can help individuals and families regain control of their finances.
 
Simplify your finances with various due dates and payment dates that suit your budget. Large amounts of debt can be debilitating and with interest rates of 18% to almost 30% it can be overwhelming.

Truliant’s Debt180° consolidation loan can help.

Our competitive rates, and fixed monthly payment plans, can help you pay off credit card debts faster. We strive to get your approval and funding to you quickly and easily.

How can debt consolidation help?

Debt consolidation can help when you have many loans, across several financial institutions. The variety of terms and varied monthly payments and rates can be confusing to manage. Consolidating debt into a single loan can help. With a great rate and a low monthly payment, a debt consolidation loan can help get you back on track and away from credit card debt.

Loans to Pay Off Debt

Truliant has several debt consolidations options to help you save money and get out of debt faster. Debt180° consolidation loan is an unsecured loan for up to $50,000.

Debt180° Consolidation Loan

A Truliant Debt180° consolidation loan can get you a lower interest rate and reduce the amount you pay monthly on all of your separate debts. Convenience is key, too – one fixed monthly payment with no prepayment penalty. By paying off your higher-interest rate debts, you reduce the amount of money you’ll pay out over time.
 
Truliant’s Debt180° consolidation loan offers:

  • Interest rates starting at 6.99% APR1
  • Defer your first payment for up to 90 days2
  • Fixed-terms from 6-84 months3
  • No origination fees or prepayment penalties

Home Equity

If you have equity in your home, a Home Equity Loan may be a way to remove debt. Leveraging the equity in your home can be an excellent way to access funds at a low rate. Get help from Truliant when you need to pay off high-interest debt or almost any other large expense.
 
A home equity line of credit, also known as a HELOC, is a revolving credit line secured by the equity in your home. Upon approval, you will have immediate access to the funds, up to the approved limit.
 
A home equity loan features a fixed rate, and you get the full borrowed amount funded upon approval. Thus, it’s closer to a secured loan with your home as collateral.
 
A home equity loan is best for fixed expenses, like debt, since you get the funds up front and the rate doesn’t change. Whether it’s a home equity loan or credit line, be sure that your budget can afford the payments. While home equity rates are very low, your home secures the loan. If you don’t pay it back, your lender may foreclose or force you to sell your home to pay the debt.

How does debt consolidation work?

When you feel like you're drowning in payments, a debt consolidation loan can help. Truliant debt consolidation loans help members combine debt into a single loan and pay off others loans and concentrate on paying down debt with one easy, low payment.

Best of all, with extended terms and lower rates, you may even be able to save money in the short and long term.

When is debt consolidation a good idea?

When you are struggling to pay off your current loans, it may be a good time to consider a debt consolidation loan. This may allow you to put more of your payment to principal or have a lower monthly payment.
 
You can pay off debt from a wedding, or a family vacation, or an unexpected auto or home repair bill.

Woman at a table with phone, credit card & laptop

How to Pay Off Credit Card Debt

Getting out of debt takes some careful planning, and requires some dedication and time. You can free yourself from the burden of credit card debt.

Learn more on how to get rid of credit card debt for good with these great tips.

 

Should I consolidate my debts?

Rates and terms are subject to change. Loans are subject to credit approval. Terms range from 6 to 84 months.
(1) APR = Annual Percentage Rate. The range of fixed rates is 6.99% APR to 17.99% APR.
(2) Qualified borrowers may defer payments up to 90 days after loan signing. Interest will accrue from the closing date of the loan until payments begin. Participating in this program results in up to a 90-day extension of the loan, maximum term 60-months. Cannot be combined with other offers.
(3) The estimated monthly payment for a $20,000, 72-month fixed rate Personal loan at 8.99% APR is $360. Consolidating the same debt over the same term from a credit card at 19.00% APR would save $108 per month or $7,776 over the 72 months.

Provision of the calculator on this page is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.