Is Debt Consolidation a Good Idea?

If you’re in debt, you may have asked yourself: “Is debt consolidation a good idea?” In this post we’ll help you answer that question by explaining how a debt consolidation loan works, what the alternatives are, and describing when debt consolidation can help you and when it will not.

After all, being in debt is a no fun. You need all the information in order to make the best decision, so that you can turn your finances around as quickly and painlessly as possible.

Debt Consolidation Basics

So what is a debt consolidation loan? It’s a loan that allows you to pay off your current debts with a new loan that has different terms (usually from a different lender) than your current loans or credit cards.

The reason this can be helpful to people with a lot of debt is that it can solve three of the worst problems you face:

1) High interest rates
Some types of debt (particularly credit cards) can have extremely high interest rates – up to 25% or more. If you’re in that kind of situation, there’s a good chance your debt will grow faster than you can pay it off. Which is why a consolidation loan can often prove to be a better option: it may allow you to get a lower interest rate, which would save you money over the long-run.

2) High monthly payments
People with lots of debt also frequently struggle with high minimum payments – which are sometimes more than they can pay each month. That can lead to a domino effect where you miss payments, your interest rates get raised, and then you can’t stay above water. A consolidation loan can sometimes lower your monthly payment, and that can give you enough breathing room to get back on track.

3) Confusion because of too many bills
Another common obstacle to getting out of debt is when the sheer number of bills you receive makes it hard to even keep track of which payment is due on which date. Consolidation can help with this problem by reducing the number of bills you get down to a single one. That can make it easier to focus on getting out of debt.

So is debt consolidation a good idea? It depends on your situation. We’ll explain below. While there are some real benefits to debt consolidation, it’s extremely important that you do your homework and understand there’s a wide range of options when it comes to debt consolidation loans – some are good, some are bad, and some are downright predatory.

Get offers for lower-interest rate debt consolidation loans here on ReadyForZero!
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Different Kinds of Debt Consolidation

The term debt consolidation encompasses a wide range of options. So how do you find the right one for you? Below, we’ll describe the various different ways you can consolidate your debt and explain the advantages and disadvantages of each particular option:

Debt Consolidation Company

There are many debt consolidation companies out there. As you would expect, they allow you to pay off all your debts by taking one loan from them, so that you will no longer owe any money to your previous creditors. Instead, you will owe the debt consolidation company an amount equal to the total sum of all your debts. And you will pay a monthly payment to them, which will go toward paying the principal of the loan as well as interest and fees. If you can get a low interest rate, this may be a good option.

However, you must be cautious when dealing with debt consolidation companies. Once you have agreed to the debt consolidation plan, you can’t go back, so it’s important to understand the potential consequences first. The fees and interest rates can end up being very high – especially if you have fair or poor credit. Since most people struggling with debt do not have excellent credit scores, they’ll have to pay high interest rates and fees which will burn a large percentage of their total cash flow each month. .

Furthermore, even if you get what seems like a good interest rate, there is still a significant risk involved in dealing with a debt consolidation company.  Your repayment plan might be much longer, which could cause you to pay more interest over the life of the loan even with a lower interest rate than what you had before. And if you miss a payment (or are late) you could face costly penalties and your interest rate could be increased. You also must be careful not to continue using more credit (with credit cards) after entering the debt consolidation program. Otherwise, you’ll end up with the same amount of debt – or more.

Home Equity Loan (or HELOC)

A home equity loan, or Home Equity Line of Credit (HELOC), allows you to borrow money against the value of your home. The size of these loans varies, but they can often be up to 75-80% of your home’s value. While home equity loans usually have fixed terms, meaning the amount of the loan, the interest rate, and the timetable for paying back the loan are all fixed, HELOCs on the other hand allow you to apply for a credit limit that you can draw upon at your convenience – but with no guarantee that your interest rates will stay the same.

While a home equity loan or HELOC can usually provide a lower interest rates than other loan types, there’s a catch. To understand why, consider the difference between your mortgage and your credit card. The mortgage is a “secured debt” and the credit card is “unsecured debt.” That means if you stop paying your credit card bill, the lender cannot automatically take any property (or collateral) from you as a penalty. On the other hand, when it comes to your mortgage, your house serves as collateral, so that if you were to stop paying your mortgage, the bank could take your house.

If you decide to consolidate your credit card debt with a home equity loan (or home equity line of credit), you’re essentially betting your house on the fact that you can pay back the loan. For some people, that’s no problem. But if you’re thinking about debt consolidation then you’ve probably already had some difficulty paying off your debts. If that’s the case, putting your house on the line may be too risky of an option for you.

Balance Transfer

You might have seen offers for “0% interest” credit card balance transfers. In theory, these can serve as a way to consolidate your debt onto one card, but be careful because the fine print on these offers sometimes exposes serious drawbacks. Here’s how it’s supposed to work: you initiate the balance transfer and pay a immediate transfer fee – usually between 2% and 5% of your total balance. For example, if you were transferring $10,000 to the new card you would pay $200 to $500. Then, you have a period of time (usually 6 months or 1 year) in which you will not accumulate interest on the balance.

During that time, you MUST continue making payments. If you miss a payment or even make a late payment, you will often lose the introductory 0% interest rate and will instead have to start paying interest immediately. Assuming that you make your payments each month during the introductory period, the usefulness of the balance transfer will depend on how much of your balance you can pay off before the interest rates kick in. To continue with the example above, let’s say you paid off $2,000 of the $10,000 balance during the introductory period. The benefit of doing so would depend on how high the interest rate was going to be after the introductory period was over (since you’d still have $8,000 on the card).

And we should mention the other risk associated with this option: it’s still a credit card! If  you’ve had trouble with overspending in the past, it might not make sense to solve your debt situation with another credit card – especially if the 0% introductory rate will tempt you to spend more.

Peer to Peer

More recently, a new option has been created that allows individuals to lend to each other. Peer-to-peer lending companies connect people who need a consolidation loan with people who can invest a small amount of money. The investor benefits by getting a good rate of return on their money, not to mention the satisfaction of helping someone get out of debt, and the borrower benefits by getting a consolidation loan for a lower interest rate than they’d get anywhere else (with loans ranging from $1,000 to $25,000).

Instead of filtering loans and investments through a massive institutional “middle man” as in a traditional bank, peer to peer loans are serviced by a peer-to-peer lending company that takes a small fee off the top and provides better than average rates to both investors and borrowers. These loans usually give you a 3-year or 5-year term to repay the loan, and more importantly, your interest rate is fixed the whole time. Why is that important? Well, with a fixed interest rate, a fixed amount, and a fixed repayment timeline, you can create a serious get-out-of-debt plan.

Is Debt Consolidation a Good Idea?

We realize there is a lot of information to consider. And each person’s financial situation is different. One of our principles at ReadyForZero is to make it easy for you to do the right thing for your long-term financial health. It’s why we always guide you to pay your highest interest debt account first (to save money and time). And it’s why we congratulate you whenever you pay off 25%, 50%, or 75% of your debt. But we want to find new ways to help and make this process easier for you.

Recently, we realized that many of you could benefit from some kind of debt consolidation loan to reduce your interest rate and help you pay off your debt faster. We researched what type of consolidation would be most helpful, and we were convinced that peer to peer loans have the potential to help the greatest number of our users. For that reason, we have been working with LendingClub to initiate a new savings platform in ReadyForZero (which we announced last week).

The way it works is that we set automatic triggers (such as your total debt load, interest rates, and paydown speed) to discern when a peer to peer loan can help you solve one of the problems mentioned at the beginning of this article:

1) High interest rates
2) High monthly payments
3) Too many bills

In the cases where a peer to peer loan can help you with one of these problems, we will present you with an opportunity to learn more and sign up for a loan with LendingClub. The entire process is automated and we never share your data with anyone.

Here’s an example of a situation where this might happen: let’s say you have three credit cards, with different balances and different interest rates:

Chase: $1,200 at 14% interest ($24 minimum per month)
Capitol One: $3,000 at 18% interest ($60 minimum)
Wells Fargo: $4,500 at 15% interest ($90 minimum)

In this scenario, you’d have three different monthly payments and if you paid $300 per month it would take you 3 years to get out of debt (costing $2,060 in interest payments).

Depending on your credit score, you might be able to get a consolidation loan from lending club that would look like this:

LendingClub Loan: $8,700 at 12% interest ($174 minimum or less)

In that case, you’d have just one payment to worry about, and assuming you paid 300 per month you would get out of debt in 2 years, 11 months, and would pay $1,504 in interest (saving you $556 compared to your current path)

That’s the kind of savings we envisioned when we initiated the savings platform. Of course, you should always consider your options carefully before applying for any kind of loan. And we’re always here to help. If you have questions – or if you’re still wondering, “is debt consolidation a good idea?” – feel free to post a comment below and we’ll do our best to answer it.

This article is part of our Credit Card Debt Resource Center and Debt Consolidation Resource Center.  If you’re looking for additional information about credit card debt or debt consolidation, be sure to pay a visit!

Image credit: Andres Rueda

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  • Croft&Gray

    Unfortunately, some people can’t control their use of credit card. One should keep in mind that credit cards should be used to help manage our finances better. If you notice that you’ve been having problems with using your credit card, might I suggest paying your credit card bills, refrain from using the card, or eventually have the card cut to stop you from more being tempted about buying more items.

    • You are very right. Sometimes it’s wise to simply get rid of the card so that there is no more temptation.

      • Larry Scott

        I’m Christina Mills by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Larry Scott who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Larry Scott, i pray that God should give him long life.

        God bless him forever.

        Christina Mills

  • April

    Can you decline a p2p loan if the interest rate is too high?

    • I’m not sure I understand your question, but you should always be able to find out the interest rate before deciding whether to sign up for the loan or not.


    having multiple payday loans was a bad idea,i was so stressed out that i was losing hope hope that i can never pay my bills,and nothing will be left for me,but i heard of a debt consolidation,well i tried it and it works it was a good choice that i made so far…

  • Brent

    I recently lost my job and rely on my Wife’s income to float our bills. Our rent is half that income and when we pay our other debts and living expenses we have nothing left to buy food for our child and gas the vehicles for traveling to classes or interviews.
    My question is: would a consolidation be good in my situation in order to get some breathing room while I look for work and finish school? We have two CC two car loans (one has less than 24 months on loan and is worth more than we owe), and a plethora of medical bills on top of some private loans required to afford tuition beyond Pell grants and student aid? I am just not sure what to do at this point. I should also point out that we have already had to do bankruptcy and lost our house after the market collapse. To make matters worse I am just short of qualifying for unemployment, and she makes $100 over the threshold for State assistance on food and healthcare.

    • Hi Brent, sorry to hear about these challenges you are having to face! The good news is you seem to have a good grasp on what you owe and you’re being proactive in looking for solutions. In order to reduce your monthly payments, you should try to get on an Income Based Repayment program, which is available for federal loans and some private loans. You should also ask to get your medical bills placed on a reasonable payment plan. And if you can, think about selling one of the cars (so you’ll have one less payment each month). It’s hard to know if consolidation would be good for you or not, but you might want to check out our resource centers for more information:
      And try signing up for ReadyForZero if you haven’t already, because it will help you organize all your debt in one place. (It’s free)

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  • Janie Carrillo

    Recently my hours were cut from my job which made a big difference in my pay check. I was left with alot of bills. I have mortgage payment, loans, credit, cards, just to name a few.
    Do you think i can be helped to consalidate my bills?

    • Hi Janie, sorry to hear about your hours being cut. I know that must be difficult. It’s hard for me to give you specific advice, since I don’t know all the details of you situation. Usually if you have a good credit score you can get a lower interest rate via a consolidation loan from a company like Lending Club or from a local credit union or bank. But you may need more help than that, if your bills are very unmanageable. Take a look at this article for more information: And don’t forget to check out our resource centers: Also consider talking to a financial counselor, and try using if you haven’t already.

  • A.M.

    I have just over $35,000 in debt (not including my mortgage $70,000). It breaks down to a credit card just over $7,500. A loan (consolidation effort gone wrong) just over $16,000 and a student loan for nearly $1,400. None of the interest rates are over 12%. I’m somewhat drowning with day to day bills. I’ve cut cable, got rid of the gym membership, and am now brown bagging my lunch. I’ve even picked up a second job.
    What I want to do is consolidate one more time, because I need to get some foundation work done (10,000) on my house. I got one of those pre-approved letters in the mail. Is consolidation right for me.

    • Hi A.M., you might be able to benefit from consolidation, but it depends on a few factors. If you have a good credit score, you might be able to get a good deal on a consolidation loan through a company like Lending Club or Prosper. I’d also recommend considering whether the foundation work could wait until you’ve gotten more in control of your other debts. Let us know if you have any other questions. And if you haven’t tried ReadyForZero yet, it might help you visualize your debt situation:

  • Cailin

    Hi there,

    I have 4 credit cards and they’re all just about maxed out… the monthly payments that I can afford to make are JUST keeping me above water. It is a CONSTANT stress and worry in my life because I never have any money to do anything, it all goes towards my bills and I normally can’t afford basics (food and/or gas) once my payments have gone out. One of the credit cards has a $235 minimum monthly payment with a 24% interest rate, another has a 28% interest rate that basically cancels out every monthly payment I make.
    On top of the credit cards I have two student loans, car insurance, gas, and I need to pay for my work apprenticeship (anything I pay out for the apprenticeship is reimbursed, but I can’t even get started when I don’t have the money). I have considered debt consolidation before, I had even tried taking out a loan through my credit union but they weren’t able to help me since I have nothing to use as collateral. I’m struggling to get rid of this debt and it’s very depressing because I’m only 25 and want to get a house and new car, etc. I want to start my life but it’s not going to happen when every cent I make goes towards bills.

    • Hi there, I’m really sorry to hear about these challenges. It must be so frustrating! Have you ever tried using LendingClub or Prosper for a peer-to-peer loan? These can be a helpful way of locking in a lower interest rate. There is also the possibility of using a 0% balance transfer offer. Of course, these options require having an average or above average credit score, which not everyone has. You could also consider asking for forbearance on your student loans. A few links that might be helpful to you:
      Let us know if we can help more!

  • Amanda

    Hello. My husband and I bought a house in April. The day it closed was the day we found out I had a large mass growing inside my liver and I had to have it removed. The medical bills are killing me and I dont feel like I am getting any footing with them. This month I had to do what I promised myself I would never do which is pay bills with my credit card. I have drained thousands out of my savings account to get out of debt, but I am just flat out, out of money. I calculated out after I pay my bills and have a little less that $400 remaining every month. But that doesnt include food, vehical maintance, and the other things you just plain have to pay for these days. I think i would have a better handle on these bills if I could make one large payment rather than 6 or seven closely spaced $80-$100 payments a month. What are your thoughts? and what might be a good option for my husband and I?

  • RW

    Hi! I am so glad you have this article. Here is our situation… I am hoping you can help shed light on what a good solution is… My husband will be graduating from college in August (YAY!) we have 5 children and have 3 credit cards with approximately $12000 debt on them. The interest rates vary from 9%-12%. Then we have $50000 in student loan debt and a mortgage with $11900 and a car loan for $12000. My husband has landed a job that is almost triple what we have been making. The hardest thing I am finding is making sure I have paid everybody on time and the right amount. My husband and I would very much love to be debt free and I was hoping with a debt consolidation loan we could make that timeline faster and less hectic. With five children life seems to be crazy all the time. What do you think would a debt consolidation loan sound like a good idea?

    • Hi there, it sounds like you are on your way to becoming debt free, so congratulations! I have a couple suggestions. The first one is: sign up for ReadyForZero! It’s easy and free. You can go to and sign up right now.

      Here’s why I recommend ReadyForZero (besides the fact that I work here!). You can put all your accounts into one plan so that you’ll see it all in one place. You’ll see how much you owe, the different interest rates, the minimum payments… everything.

      Once you see the whole picture, then you can start deciding about debt consolidation. ReadyForZero can even refer you to reputable lenders for that. But the main question is whether it will (A) make your life easier and (B) save you money. It sounds like your life would be simpler with fewer accounts to worry about, which is one reason people do debt consolidation. However, keep in mind that your student loans and car loans will have lower interest rates than your credit cards. So you wouldn’t usually consolidate those loans with the credit cards. Whatever you do, start by getting those cards paid off first!

      Also, if you upgrade to ReadyForZero PLUS, you can actually make payments from our site directly to your lenders. This might help make things a lot easier!

      Hope this helps. And feel free to ask more questions if you have them.

  • R

    I have recently learned that over the past several years my father has been accruing credit card debt solely in my name. The credit card debt amounts to just over $35,000, and I am not sure if a debt consolidation or P2P loan is a good option. Minimum payments amount to around $1000 with interest around 15%. I am just trying to take care of the problem as quickly as possible and avoid paying more interest.

    • Wow, I’m sorry to hear that – it must be extremely frustrating! First of all, I’m assuming you have a join credit card account with your father… is that correct? Otherwise, the debt that he accrued would not be yours. If that is the case, there is still the possibility that you could avoid the responsibility of paying off the debt he accrued. See this article for more information:

      If you do have to pay off the entire balance, a P2P loan could certainly help. We have worked with both LendingClub and Prosper in the past and they are both worth your time to research. If you can get a lower interest rate and monthly payments that work for you, then it would help you in the long run.

  • Frank

    Hey if you enter in to a debit consolidation loan does it look bad on your credit report?

    • Hi Frank, in general a debt consolidation loan is looked at just like any other loan. However, please keep in mind that there are a lot of factors involved in credit reports and credit scores, so I couldn’t say for sure how it would affect you in any specific situation. For more on how credit reports and scores work, and how debt consolidation loans work, please see our resource centers:

  • RonJohn

    “you would get out of debt in 2 years, 11 months”

    So, you’d get out of debt 1 month sooner?

    • In this example, yes. However, in other cases, you could get out of debt even sooner.

    • AyeRolle

      One month sooner, and save about $500 in interest.

  • 57chevy

    That P2P sounds good! I have been considering debt consolidation. I have 3 cards that are maxed and I can’t seem to pay them down/off even paying more than my minimum payments. I have better interest rates now than I had previously, but I’m worried that as interest rates go up so will the cards’

    • Great! Yeah, if you can get a peer to peer loan that reduces your interest rate significantly, it will save you a lot of money in the long run.

  • Robyn

    Hi. I’ve been wondering about debt consolidation recently. I have about $21,000 in credit card debt (3 cc’s with interest rates ranging from 14-16%), $4500 left on my car loan (with less than 2 years to pay and I owe less than the car is worth), 2 student loans (though only 1 of which I would like to pay off as soon as possible because my parents have been cosigned on it for some time now. That loan has $1500 left on it.), and my house is in desperate need of some sewer work. That could cost anywhere from $200-$7000, depending on whether or not the line needs to be replaced. I have an FHA loan on my house and I currently owe about $12,000 less than it is worth

    • Robyn

      Oh yeah…and I have good credit…742. Would be peer-to-peer loan be a good idea for me?

      • Hi Robyn, I think a peer-to-peer loan might be a good fit for you. With your credit score, I suspect you could qualify for lower interest rates than what you’re currently paying. If you look in the middle of this post (above), there is an ad for LendingClub, which is a company we partner with. You can click the button in that ad in order to see what kind of loan and interest rate you’d qualify for.

        Let me know if you have any questions! And I wish you luck with your continued progress paying off debt.

  • Lyndy

    I have a fairly low amount of debt compared to most people out there but I am having trouble prioritizing my debt with my monthly bills. I have a credit card with a $683 balance (min payment is $25, I’ve been trying to pay $50 each time, and I didn’t get a new card when the last one expired so I don’t use it), student loan which is $5,828 (which I made one payment on a year ago), a medical payment of $309 that is on my credit report, as well as other medical bills that are at least at $3,000-$3,500 that I’d have to get a more comprehensive report to find out what all is there, and I have more expenses that I need to pay that I don’t have the money for like dental work, more health issues, car repairs, and monthly bills. I’d like to consolidate everything I can but I am worried I don’t have enough debt to qualify for consolidation AND my credit score is too low: 600. In addition to consolidation I probably need some other service or help with just organizing all of my finances. If you have any suggestions I greatly appreciate it. Trying to find out what all is out there. Thank you for this article, it has been very helpful.

    • Hi Lyndy, I’m so glad this article has been helpful. It sounds like you would like to talk to an expert to help you get organized with all your debts and monthly bills. There are some non-profit credit counselors that can help you in this way. There are also tools, such as, that can help you organize all your debts in one place. (Let us know what you think of it!)

      The most important thing for you may be to look at which debt has the highest interest rate so you can get rid of that one first – maybe with a consolidation loan or maybe by paying it off before the others. Also, keep in mind that medical debt can sometimes be negotiated. Here are some links that might help you:

  • Jeremy

    Hi, I’ve been researching debt consolidation and peer to peer loans and am wondering if it would be right for my situation. To start with I have poor credit, just under 580. I do not have any credit card debt but I do have two very high interest rate car loans that total just over $9000. ($600/mth payment) I have about $2000 of medical bills that are in collections on my credit report. Unfortunately I am so strapped each month that I do not have the means to pay off these medical bills which are holding my credit down. We have already negotiated with the collection agencies and can’t get the payments any lower. My thinking is to take out some kind of loan to pay these medical bills off and my cars and have one payment where the interest rate would possibly be lower. I am not even sure if I could get a loan but if I could, would this be a good idea? Do you know of any institution that would do a $11,000 loan to someone with my credit score?

    • Hi Jeremy, based on what I’ve seen from most peer to peer lenders, your score must be in the mid-600’s to qualify for a peer to peer loan. Unfortunately, with a score of 580 you probably won’t be able to qualify. However, it may be that once you’ve paid down a little more debt your score will rise and you’ll be eligible at that point. Let us know if you have any other questions!

    • Callifa Company

      Hello, I am Marie Hooks, currently living in Texas city, USA. I am a widow at the moment with Four kids and i was stuck in a financial situation in May 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of 850,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and better repayment plans and schedule, please contact Frankie Private Loans ( He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email .

      Thanks for your time and understanding !!!
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  • Trey

    Good afternoon,
    I have a few concerns when it comes to consolidating our debt. I agree with what you have said with everyone’s situation is different. As for my situation my wife an I have a few loans an some doctor bills that add up to around 145,000. Our loans consist of rv payment and 3 vehicle payments. We are discussing consolidating all our payments to just one simple payment a month. We have a few concerns as to what would be best to situation to handle this. Any advise would be greatly appreciated. Thank you

    • Hi Trey, there are a lot of factors to consider – especially since you have medical bills and auto loans. For example, do your medical bills have interest or are they interest free? The answer to that will make a big difference in how you respond and what kind of plan you make. I’d advise you to seek professional advice from a financial counselor. They should be able to give you the kind of recommendations you need. In the meantime, you can try using ReadyForZero to get a big picture view of your debt: Good luck!

  • M_K

    I have $9,000 in credit card debit and was thinking of getting a debt consolidation loan. My credit score is in the high 600s. My problem in that with two jobs I’m still living pay check to paycheck and unable to get the debt any lower. I’m hoping that with just one loan I can pay it off faster and not have to worry about making payments to different cards. What are the steps I would need to take if this is a step I’m considering?

  • angel

    Hi im 16,000 in cc debt. Tried lending club. Would only approve me for 9,000. So I told them not sure if I can do it for that amount. I wanted the full amount to pay off all my cards. My next step is to try my credit union but im getting discouraged and not sure what to do.

  • K

    We owe 35

  • K

    We owe 35,000 in credit card debt on various credit cards. We have a mortgage that we owe 179,000 at 5.5%. Our house appraised at 230,000. Should we refinance and take 20,000 to pay some of the credit card debt off? We have an atv to sell and a tax refund coming so when all is said and done we will have 3800 left in credit card debt. My husband is a w-4 contractor working 40 hrs a week at 70 an hour. Or should we try one of those peer to peer lenders?

  • Carlee

    I am about 20,000 Dalars in debt I have a student loan for 1500 on one and about 7500 hundred on the other one , I am savirley behind on my day to day bills I am now at the point of company’s are passing me as a client around so I’m now getting charged by every company in town , I have a new baby due at the end of the month And I do not want to be in debt for the rest of my life , I also have moltaple payday loans owing , and I have a credit card that shouldn’t have gone wrong its sitting about 580.00 it’s starting to get really frusterating when I can’t pay it all off plus not to mention I have a few collections in mobile companies , Rogers and Telus very frusterating -.-

  • Syd StClair

    Hi, I’m a 66 year old woman who had a part time job but got laid off when they sold the business. I have a couple of booths at this mall where I worked and since the new owners took over everyone’s sales are way down. Needless to say no one’s happy. I’m in credit card debt because of my little business and with no paycheck and sales down I can’t pay even the minimum on the bigger cards that have a 29% interest rate. I’m basically living on social security. Is it to my benefit to do a credit consolidation or should I just go bankrupt? I’m married with a home and my husband’s social security pays all the household bills and mine goes towards food and my credit cards and It takes all I have to pay my bills. If something should happen to my husband, he’s 75 then I’d really be in deep trouble.

  • Mr Wood Barry

    Hello Dear Sir/Madam.

    I am Mr. Wood Barry, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL :


    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
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    consolidation loans and so many others.

    1. Full Names:……………………….
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    Best Regards,

    Mr Wood Barry

  • Steph

    I have 18,000 in credit card debt and am currently going to school while my husband works. He is getting a promotion with more money involved and I should be working in about 4 months. Would debt comsolidation be best for us and what kind? I was looking into private bank loans but didn’t know if that was they way to go. We are tyring to pay off our debt as quickly as possible and have cut out excess spending. What is our best option? Does debt consolidation effect your credit score? Currently we have a good credit score and don’t want to mess it up in any way.

    • Jason Rappaport

      Eric Jones

      A Sincere and certified private money lender approved
      by the GOVERNMENT. I give out international and local loans to all countries
      in the world. Amount given out $2,500 to $100,000,000 Dollars, Euro and
      Pounds, available now are Business, Personal, House, Travel and Student
      Loans. Apply for a loan today with your loan amount and duration.Its Easy
      and fast to get. 4% interest rates and monthly installment
      payments.Check-out this great offer, Please For more information contact me on

  • Od_Finance

    Good Day Loan Seeker

    Are you in need of a loan ? We are loan accredited company. we offer loan to individuals at low interest rate of 2%, We offer personal loan, business loan, mortgage loan. real estate loan This is to help you meet your financial obligations, especially with the ongoing global financial crisis. We render out good loan of all kinds in a very fast and easy way, Personal Loan, Home Loan, Student Loan, Business Loan, Investor loan, Car Loan, Debt Consolidation. For further inquiries, please contact us via e-mail ( ) Regards. hope to hear from you soonest. all respond to be forward to ( ) for more information


  • Favour Peterson

    I am Dr Andy Best a reputable, legitimate & an accredited company money Lender. we loan money out to individuals at the rate of 3%, in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? We want to use this medium to inform you that i render Reliable beneficiary assistance as we will be glad to offer you a loan. No credit check, 100% Guaranteed.( contact us for more information.

  • michael

    If I did the math, I would have probably around 7,000 in credit card debt. Between the companies like care credit, lowes, belk, sears and rooms to go, if there was an easy way to consolidate these payments into one payment, that would definately take a load off. Does anyone have any suggestions as to which route I should take to take care of this debt?

    • Thomas colson

      Thanks to Mr Martins and the entire staff of UNIONATMCARD for the help they give to me in getting one of their premium card am so glad to have met you guys and indeed am grateful,

  • Christabella Cook

    I am Christabella, i am using this medium as a means to share my testimony and give a lasting solution to those of us who are really in need of financial aid, This is a must read.
    I was so confused and into severe poverty about a month ago. I was just going through some blog online when I met a testimony of this BLANK ATM CARD made by STAR TECH of email I contacted that very address and I got one at an imaginable rate.(compared to what the card carries,the rate is minimal) At first I thought,it was gonna be some scam or something. But when I got the card I could get nothing less that $10,000 in a day. (Ten thousand usd). Here is the testimony I saw; “Its the programmed ATM card that can hack into all ATM machines.
    Its works with any currency and in any country where you might be living. Its is programmed in a way that when transaction is carried out with the card ,it can’t be traced. To make use of this card ,you need no account number or even pin of anyone. Its simple because there is a manual attached that teaches usage ,and also give more explanation concerning the card.” So friends,its a new year and a new beginning. If you need funds to start up some business,pay up bills and loans or money to live a good life? Then you have got to make this opportunity yours. Though is illegal as you and I know ,but since government can’t satisfy my whole needs, I have to do what I have to
    do,to get what I want and for my family to be happy..Though this post is not for everybody,but for those who truly need change from a poor state to a wealthy life. The email address once more is Much love From Christabella.

  • terry

    Jones Terry A Sincere and certified private money lender approved by the GOVERNMENT. I give out international and local loans to all countries in the world. Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds, available now are Business, Personal, House, Travel and Student Loans. Apply for a loan today with your loan amount and duration.Its Easy and fast to get. 4% interest rates and monthly installment payments.Check-out this great offer, Please For more information contact me on

  • Krazi Ge

    I have 2 jobs, I’m a single mom, and I’m in college to become an RN. I have multiple credit cards, one bank loan (Credit Union), and a car payment. I am not finished school, I still have approximately 2 years left, so my student loans are not due yet. However, with rent, utility bills, and everyday living my credit debt is becoming difficult. This year my health insurance for myself and my daughter has changed and prices have gone up and I’m a diabetic, so I cannot risk not having health insurance, yet this year I seem to be getting medical bills more often and much higher than ever. I’m getting nervous. When I do achieve my goal of becoming a RN, then I’ll have a huge student loan to pay. Since I am a single mom I do qualify for the Pell Grant and such, but that is just a small fraction of what an education really costs. My debt not including student loans is approximately 15 thousand. What do you think I should do, or what could benifit me? I literally live pay to pay while working my butt off. I’m going to be 42 years old this year and I really want to do better.
    Thanks for any advice you may offer.
    Jeaneen Widmeier

    • Krazi Ge

      By the way, I do make all my payments, they are really draining me severly.

      • Thomas colson

        Thanks to Mr Martins and the entire staff of UNIONATMCARD for the help they give to me in getting one of their premium card am so glad to have met you guys and indeed am grateful, contact them today to sort out your financial problems email

  • Lee

    I have 15,000 in credit card debt with 17% interest would like to pay off sooner than later I send one of them 300. A month and the other one at least 200.00 wondering if a lending club loan would be a good idea or not please help

    • Thomas colson

      Thanks to Mr Martins and the entire staff of UNIONATMCARD for the help they give to me in getting one of their premium card am so glad to have met you guys and indeed am grateful,

  • Dora Sandy

    .Hi, My name Dora and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Wayne. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address . And I believe they will also Change your Life…..

  • Brenda Walton

    Compliment of the Season!

    My name is Brenda Walton, and i have heard so much about the blank card and never believed it exist or was real. I was on Facebook when i came across a blog on how a lady got rich with the blank card, i wondered if this was true and as Christmas period i believed it was ways to scam innocent souls so i ignored the blog and not long i saw another comment on you-tube of a man who also got the card so i copied the email and requested for the blank card.

    Few hours later, i got a response and was told that the cards are free but need to pay for the shipping fee which will cost me $195. I tried to raise the money and paid for the shipping fee and waited for the arrival of the card. The next day i got an email that the card will be delivered to me within three working days and to my greatest surprise, on the 24th in the Morning i was about going out when i heard a knock on the door and behold was the shipping company agent with a parcel which he came to deliver to me. I hurriedly took the parcel opened it and rushed to the ATM machine to confirm if it works and getting there i slot in the card and i was shocked and speechless when the ATM dispenses the sum of $7,000.00 instant as i was told. I’m having a nice Christmas with my friends and Family while i still kept on withdrawing money from the ATM machine till i withdrew the total amount of $7Million. If you wish to get this card, you can reach out to this Email:

  • Stacey Mark

    Testimony On How I Got Financial Help ( )

    Hello everyone i am overwhelmed with joy share this good news on how i got financial help from a reputable and reliable Loan company after i applied several times from various loan lenders and bank but was turned down when i was desperately in need of a loan to expand my business and i applied from various loan lenders and banks who turned me down because of my credit score. Until a friend of mine introduced me to Mr. Roland Rex who promised to help me and indeed he did as he promised without any credit check. I never thought there are still reliable Lenders online until i came across Mr. Roland, who proved me wrong by showing me that there are still honest people in the world. there might be people out there who are in search of Loans for different purposes feel free to contact Mr Roland Rex he is so friendly and always ready to help here is his contact details ( )

  • Dr Oniha

    INTERCONTINETAL LOAN FIRM is a private loan company which offers loan at 2% interest rate for any amount and from any Country. if you really need a loan you will be required to fill the application form before we can start this transaction legally. your data are safe
    with us, so you have nothing to worry about.
    Note that we take our transactions with utmost seriousness and we also do make
    sure that our clients gets their loans transferred to them as possible if they follow up with the procedures of the loan company, below is our email address for you to get back to us: or call +2349059942347
    waiting to here from you soon.

  • spencer mellian

    Hello,i am Mira Steve, a private
    loan lender who
    gives life time opportunity loans.
    Do you need an urgent loan to clear your
    debts or you need a capital loan to improve
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    have you been rejected by
    banks and other financial agencies? Do you
    need a consolidation loan or a mortgage?
    search no more as we are here to make all
    your financial problems a thing of the past.
    We loan funds out to individuals
    in need of financial assistance, that have a
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    to pay bills,to invest on business at a
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    that we render reliable and beneficiary
    assistance and will be willing to offer you a
    loan.So email us today on

  • Angela Mordy

    I am Angela Mordy from USA a single parent, before my husband died he left us with so much DEBT that we could not cope with life, I was totally confused on what to do. When I was going through the internet I came across a post by a man called Marcus about how Brooksjames Loan investment help him to get a loan,so I applied for the loan from Brooksjamesloaninvestment through their mail ( $200,000 with a duration of 10 years.When I was applying for the loan I made a vow to GOD that if I get the loan I will let the world know what he did for me, to my greatest surprise my loan was granted with an interest of 2%. I was able to settle my debt and start up a new life and business with a settled family. So if you want any type of loan in any part of the world for as low as 2% contact the email above thanks

  • Setsuko Motsinger1

    Nice blog post . For my two cents if others require a IRS W-4 , my company filled a template form here

  • paul.teve

    Hi, My name Esteve and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Paul. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address or call him +2349052116664 And I believe they will also Change your Life

  • James Brown

    Hello ,

    Am Mr James brown . Am a man with a great testimony I live in USA and i am

    a happy man today? and i told my self that any lender that rescue my family

    from our poor situation, i will refer any person that is looking for loan to

    him, he gave me happiness to me and my family, i was in need of a loan of

    $360,000.00 to start my life all over as i am a father with 2 kids I met this

    honest and GOD fearing man loan lender that help me with a loan of

    $360,000.0.Dollar, he is a GOD fearing man, if you are in need of loan and you

    will pay back the loan please contact him tell him that is Mrs cynthia kelly,

    that refer you to him. contact Mr.Kelvin smith,via email:-

  • Naika Emmanuelle Edmond

    I am only 21 yet I owe $8,862.24 in credit card debts. I know it is ridiculous, and some might ask what was I thinking. That is the problem, I was not thinking . Every credit card offer I was presented to, I took. And every credit limit increase , gave me the urge to spend even more. Now I do not know what to do, I am almost done with College,I will soon have to worry about school loans. I need help. I am not too sure If should get a debt consolidation card. My spending habit has improved( I haven’t been using any of my credit cards) but I still struggle to lower my debt.

  • Roberts antony


  • anna johnson

    Do you need an urgent loan to pay your bill, start up a business, mortgage, buy a car or in any financial situation? You do not have to worry any more just contact us today. We offer loan at a very low rate of 3%. So quick, so easy.. Contact us with this Email:

  • Raymond Hills

    Dear Sir/Madam,

    Before any other words firstly you are welcome to Raymond Hills Finance Company. Do you need financial assistance? Do you need a loan to expand your business? Do you need a loan to start a large scale business? Do you need a loan that can change your life and your present financial status? Do you need an urgent or emergency loan to put things in the right place? Then you are in the right home for all your quality loan designed to suit your needs. A world class loan company committed to grant just loan. We give out business expansion loans to prospective business Men and Women at a low and affordable interest rate of 3% and a long term repayment duration of your choice. Interested applicants are required to provide the information below and contact us via


  • julien garcia


    friends!!! My name is JULIEN GARCIA. FROM USA TEXAS . i want to testify
    of the good Loan Lender who showed light to me after been scammed by 2
    different Internet international lender, they all promise to give me a
    loan after making me pay alot of fees which yield nothing and amounted
    to no positive result. i lost my hard earn money and it was a total of
    6,000USD. One day as i was browsing through the internet looking
    frustrated when i came across a testimony woman who was also scammed and
    eventually got linked to a legit loan company called
    SAMMYLoan Company and email ( ) where she
    finally got her loan, so i decided to contact the same loan company and
    then told them my story on how i have been scammed by 2 different
    lenders who did nothing but to course me more pain. I explain to the
    company by mail and all they told me was to cry no more because i will
    get my loan in their company and also i have made the right choice of
    contacting them. i filled the loan application form and proceeded with
    all that was requested of me and to my shock I was given a loan amount
    of $65,000.00 Dollars by this great Company (SAMMYLoan Company} managed
    by Mr SAMMY God fearing MAN and here i am today happy because this
    company has given me a loan so i made a vow to my self that i will keep
    testifying on the internet on how i got my loan. Do you need a loan
    urgently? kindly and quickly contact This great company now for your
    loan via email: []

  • cara90

    My name is Gary Jones i’m here to testify about Mr.Harry hacker ATM Blank Card. I was very poor before and have no job.I saw so many testimony about how Harry send them the ATM blank card and use it to collect money in any ATM machine and become rich. I email him also and he sent me the blank card. I have use it to get 700.000 dollars. withdraw the maximum of $ 5000 daily. Meyer is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault with the use of ATM Programmed Card which runs in automatic mode. email ( how to get it and its cost,and how to also hack credit cards and send the money to your self..

  • Watson Rogers


    Are you seriously in need of an urgent finance to consolidate your debt /bills? Are you in need of a Loan to Finance or Expand your Farm Business, Project and building Estate? or for car purchase, buying a house and other personal Loans (Individuals, Companies, Realtor and Corporate Bodies) ETC. We give out long term and short term loan with a maximum of 2.% interest rate. and You are 100% Guaranteed with no social security number, no credit check required, we are into business development, finance and open to new opportunities. so kindly contact us via email:

    Team Regard,
    Mr. Watson Rogers
    Operations Manager.
    E-Loan Company.®

  • Watson Rogers


    Are you seriously in need of an urgent finance to consolidate your debt /bills? Are you in need of a Loan to Finance or Expand your Farm Business, Project and building Estate? or for car purchase, buying a house and other personal Loans (Individuals, Companies, Realtor and Corporate Bodies) ETC. We give out long term and short term loan with a maximum of 2.% interest rate. and You are 100% Guaranteed with no social security number, no credit check required, we are into business development, finance and open to new opportunities. so kindly contact us via email:

    Team Regard,
    Mr. Watson Rogers
    Operations Manager.
    E-Loan Company.®

  • Jerry Willfred


    Good Day, My Name is Mr Wilfred, I Am a private Loan Lender,
    I am from London and i owner a company name Trust Loan finances.

    Well, I Will be Very Glad to hear fro you if you need a loan, I will like
    you to email us today at:

    we work 6 Days, and 12 hours Ever Day,Just Kindly Email Any time Any day.

    We Await your Urgently Email.

    Greetings to You All.

    Mr. Wilfred.

  • Monika Pulina


    Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate of 3% .If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try, because a trial will convince you. What are your Financial needs?

    Do you need a business loan?
    Do you need a personal loan?
    Do you want to buy a car?
    Do you want to refinance?
    Do you need a mortgage loan?

    Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists?

    Please do not hesitate to contact us for possible business co-operation Contact us via Email: ( ) or call/sms: +1(972) 914-5244

  • anita smith

    Hello, I am anita smith currently living in Texas city, USA. I am a widow at the moment with Four kids and i was stuck in a financial situation in May 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a man of God Mr Jefferson Stroud loan lender who gave me a loan of 850,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and better repayment plans and schedule, please contact Mr Jefferson Stroud ( ). He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email .

  • mico william

    OVER 5,000 USD DAY WITHDRAW, Get THE 2017 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: and get your card today and live that luxury life you every dream to live.

  • Elizabeth

    I have about 26000 in debt None of my debt was credit cards just some bad decisions as a young adult, I am wanting to buy a home in the next 1 or 2 years and really need to get my credit fixed, do you think consolidate may be a good option for me?

  • Stephanie

    My husband and I would like to consolidate our credit card debt. I have 1 card with $5000 and he has 3 cards totaling $8000. My credit score is good but his is I think 600. Can we consolidate our debts together under my credit score? Thanks!

  • Adamfred loanfirm


  • Lucia Rose

    I became desperate getting a loan from a legit lender online. And i saw comments of different persons at different site that talked about this JAMES MOES Loan Company (JAMESMOESLOANWORD@YAHOO.COM) where they got loan fast and easy without any stress and i follow their instruction using the details on their appreciation post, So i applied for a loan sum of ($120,000.00USD) @ 2% interest rate. The loan was approved and deposited into my bank account. That was how i Got to get my loan to refinance my business, pay off my bills and debt. I can’t stop appreciating JAMES MOES Trust Loan Company. I am advising everyone interested in getting a loan fast and easy here kindly contact JAMES MOES LOAN WORD via email: { JAMESMOESLOANWORD@YAHOO.COM } to get any kind of loan you need today.

  • Ruth Adele

    Do you need loans for project, investment, personal loans, business loans, home loans, student loans, consolidation loans and loans for various project? for those who wish to get a loan from our company should contact us today at:

  • nandaedo

    Are you having financial challenge? Or you need urgent cash to pay your bills, or medications? do not worry anymore because there are far you can solve all your problems without stress. You can change your life in just in short period of time. Contact (ERIC MARK) for a blank [ATM MASTER CARD] today and be among the lucky ones who benefit from these cards. I am a living testimony, I also applied for this card a month ago and now I have mine. This SMART ATM blank programmed card is capable of hacking any ATM machine, anywhere in the world. I came to know about this BLANK ATM CARD when I was looking for an online loan lender a month ago .. It really has changed my life forever and now I can take care of my family. The least money I get in a day with this card is 5000. Every day I have enough money to take care of my family. Although I was told it is illegal, I am very careful there is no risk of being trapped, because it has been programmed in such a way that it is not traceable, and also makes the CCTV useless when withdrawing money .. For more details On how to get a card Today, email the hackers in this email:

  • john

    Do you need a huge capital to start your business proposal or expansion or business loan? Do you lost hope and you think there’s no way out, and your financial burdens still persists? Are you tired of seeking loans and mortgages, have been rejected Throughout their banks and other financial institutions offer any form of credit for natural persons and legal entities at low interest rate.If you are interested in taking a loan, please contact us, we promise They offer the best service ever.Just give us a chance. Are you in need of urgent loans without collaterall and without checking saving bank. if you need a loan to pay the bills. where he placed by other companies. I am trustworthy and reliable offer urgent loan, we give loan at very low interest. We provide services 24 hours have bad results in the bank and I do not know where to get a loan, please contact us for assistance. I will come and help with financial problems come back to me with the amount you have to …….. .. occupation ……. address. Duration ….. and your e-mail. E-mail:

  • Celina wheel


    Hello Every One, I am Mrs CELINA WHEEL From Ohio U.S.A, I quickly want to use this medium to shear a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,200 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a Loan company with this email ( ) . So i applied for a loan sum of (320,000.00USD) with low interest rate of 2%, After the due Signing of loan contract paper work and documents the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank so i want to advice any one seeking for loan to quickly contact him via: ( ) he does not know am doing this i pray that God will bless him for the good thing he has done in my life.

    If you need a business or any kind of loan please Forward your application now via this email:

  • Justin Peters

    I was having financial issues, i recently lost my job,couldn’t pay my mortgage, my family and all sort of bills to pay.
    i came across Michael online, he helped me to get a loaded blank atm card valued $35,000 with daily withdrawal of $5,000
    it sounds to good to be true but it is real if not i wouldn’t be talking about it.
    you can get yours all you have to do is contact him.


    I am MR. HARRY ( certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because I will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their upstart. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations. I want you to understand the fact that I MR HARRY is out to help the les financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up working capital loans, construction loans, car loans, hotel loans, and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don’t you try. MR HARRY Loan home and be free from debts any interested.

    Contact us via

  • Roger Walker

    Loan Offer Alert For Everyone! Are you financially down and you need an urgent credit/financial assistance? Or are you in need of a loan to start-up/increase your business or buy your dream house. We offer all kind of funding at a very low interest rate of 3% with reliable terms and condition. For more info Contact Email: with the amount you need as a loan and the loan amount duration.

    Contact Email:

  • Thomas Dickson


    Do you need funding?
    Do you need Business or personal Loan?
    Do you wish to refinance your company?

    Our company is based in United State and Asia. We give out loan to any individual and company at 3% interest rate yearly. Contact me for more information.

    Mr Hanks Kenneth
    Email Id:
    Whats’app Number: +919036397237

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    My wife and I have around 6000$ in credit card,not including car payment that we only owe about 1200 on now with 250$ payments and I have a school loan of about 2500$ in all including interest that I just went into forbearance with and got a new payment schedule set up to eliminate the late fees and tey to clean up my credit score.We considering debt consolidation but aren’t exactly sure if it’s a right fit.Our end game is to be able to buy a house in the next year or so.Would a loan for debt consolidation be a good idea for us?

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    We offer personal loans up to $ 100,000, you are looking for a business loan and have been denied by a bank, we can help with loans of $ 5,000 to a maximum of $ 100,000 * that can help you get your business Rebuild and get you back Can bring you on a path to a better financial future.

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    Best regards

    Mr.Samsul Alam


  • Anayda Sanchez

    I have a 60 month lending club loan with a balance of $14500 and 44 months remaining at an interest rate of 25%. Is it beneficial to refinance at 16% $15000 at 36 months?

  • Christopher Herman

    Welcome To Mr. Christoper Herman Loan Service…
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  • jones

    I am Mr Jones a private loan lender/investor, who give out loan in a very low interest rate of 3%. We give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan and other good reasons, I also give out loans from the range of 2,000- 15,000,000.00 at a 3% interest rate. Duration of 1- 20 years depending on the amount you need as loan. contact us for more information via:

  • American Blank ATM Card

    It is otherwise called a BLANK ATM CARD hacked and cracked by the American hackers.
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    Yes, with this physical loaded ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you order for this card, Full information about the card will be given to you. We also reload your card when funds exhausted.
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  • Katelyn Garrett

    Hello, my name is Rhonda Campbell from Huston TX, and I am happily married with family. For some months now I have suffered financial setback and needed to refinance as my bills were long due for payment. I tried seeking loans from various loan firms both corporate and private but all without success, the banks I visited all declined my credit. But as God would favor me, I was introduced to Turkey Finans Bank a GOD FEARING FIRM for their Xmas loan program, with contact number +1(984) 213-1994 a Private limited Company with Share Capital, and I was granted a personal business & Xmas loan sum of $150,000.00 on the 8th of November 2017. Today my financial status is restored and my business is now stabilized. Thanks Maria for introducing me to Turkey Finans Bank, and to you Mr Stephen Williams for helping me. He is a good and God fearing man and I pray that God richly bless him for helping me. My advice to everyone out there in need of a loan of any kind is to quickly Contact via E_mail: {} or {