Tips consolidating bills

Lending Club offers APRs as low as 6.68 percent (up to 29.99 percent), and you can request a maximum loan amount of ,000.

If you don't get funded for the entire requested amount, you can either accept or re-list it to try again. Lightstream offers astonishingly low interest rates for debt consolidation loans (5.99 percent - 9.99 percent) and has a maximum loan amount of 0,000.

Avant Credit offers unsecured loans with a maximum loan amount of ,000 and APRs starting at 19 percent.

To learn more about these lending services and others, read our in-depth personal loan reviews to find out which is the best option to consolidate your debt.

Balance transfers are quite simple -- all you have to do is request a balance transfer once you have signed up and been approved for a new card.

The trick is to look for a card that offers 0 percent on balance transfers for an extended period of time or reduced APRs on balance transfers.

If you don't believe you can get your debt paid in time, it would be better to find a card with a reduced APR so that you don't find yourself paying a high interest rate when the 0 percent intro APR ends. There are a number of great cards for balance transfers, but some of the best for those looking to consolidate debt include: Since there are other forms of debt, people might be looking for an option other than a balance transfer.

And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward –- and free. " Debt consolidation is a strategy to roll multiple old debts into a single new one.

We believe everyone should be able to make financial decisions with confidence. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. We're on your side, even if it means we don't make a cent.

This can be beneficial for those who are looking to consolidate debt because your interest rate will not change, so you can trust that your first payment will be the same as your last.

Personal loans are multipurpose, and the money can be used as needed to pay the debts and then pay off the loan -- hopefully with a smaller monthly payment and a longer repayment period.

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