Debt Consolidation

Why choose Stable Fundsy for your online personal loan?

You're more than your credit score—Our model looks at factors such as your education⁴ and employment to help you get a rate you deserve.

Flexible loan amounts

You can get a personal loan from $1,000 to $50,000⁵.

Fixed rates and terms

Choose between personal loans in 3 or 5 year terms, with fixed rates of 7.4% - 35.99% APR.⁶

No prepayment fees

You can prepay your loan at any time with no fee or penalty.
Simplifying Your Financial Future

At Stable Fundsy, we understand that managing multiple debts can be overwhelming, with varying interest rates, multiple due dates, and financial stress affecting your daily life. That’s why we offer Debt Consolidation Loans, a structured financial solution designed to simplify your obligations by merging multiple debts into a single, manageable loan.

What is a Debt Consolidation Loan?

A Debt Consolidation Loan allows you to combine various outstanding debts—such as credit card balances, medical bills, personal loans, and other liabilities—into one single loan with a fixed interest rate and predictable monthly payments. This approach makes repayment easier, reduces financial strain, and can even help you save on interest costs over time.


Benefits of Stable Fundsy’s Debt Consolidation Loans

Lower Interest Rates
Most high-interest debts, especially credit card balances, can be consolidated into a single loan with a lower fixed interest rate, potentially saving you hundreds or even thousands in interest payments.

Simplified Monthly Payments
Instead of juggling multiple bills with different due dates and amounts, a debt consolidation loan streamlines all your debts into one easy-to-manage payment each month, reducing the chances of missed payments and late fees.

Faster Debt Repayment
By consolidating your debt into a loan with a structured repayment plan, you can pay off your balances faster compared to making minimum payments on multiple accounts.

Improved Credit Score
Late or missed payments on multiple accounts can hurt your credit score. A single, timely monthly payment can help rebuild your credit profile over time.

Less Financial Stress
Managing debt can be mentally and emotionally draining. With a consolidation loan, you gain financial clarity and control over your finances, helping reduce stress and uncertainty.


Types of Debt Consolidation Loans Offered by Stable Fundsy

🔹 Unsecured Personal Loans
No collateral is required; approval is based on creditworthiness, income, and financial history.

🔹 Secured Debt Consolidation Loans
Backed by collateral (such as a car or home), these loans often come with lower interest rates.

🔹 Balance Transfer Loans
For high-interest credit card debt, we offer balance transfer options that provide a low introductory rate to help you pay off balances efficiently.

🔹 Home Equity Loans for Debt Consolidation
If you own a home, you may qualify for a home equity loan to consolidate debt at a much lower interest rate.


How to Apply for a Debt Consolidation Loan with Stable Fundsy

1️⃣ Check Your Eligibility – Review your debts, credit score, and income to determine the best loan option for your needs.
2️⃣ Apply Online – Our quick and easy application process ensures a fast approval time.
3️⃣ Receive Loan Approval – Once approved, funds are disbursed directly to pay off your debts or sent to your bank account.
4️⃣ Make a Single Monthly Payment – Enjoy simplified debt management with one predictable monthly payment.


Is Debt Consolidation Right for You?

A debt consolidation loan is ideal if you:
✔️ Have multiple high-interest debts
✔️ Want to reduce your monthly payments
✔️ Need a structured repayment plan
✔️ Are looking to improve your credit score
✔️ Want to eliminate financial stress

At Stable Fundsy, we’re committed to helping you achieve financial freedom with customised debt consolidation solutions tailored to your needs.

📞 Contact Us Today to explore your options and take control of your financial future!

How to easily apply for a debt consolidation loan online in 3 steps!

Get your Rate

It takes less than 5 minutes to check your rate—and it won’t affect your credit score.

Get Approved

Most borrowers are instantly approved with no paperwork required.

Get Funds

Once approved, you could get funds sent in 24 hours or less

DEBT CONSOLIDATION LOANS FAQ's

What is a debt consolidation loan?

 
A debt consolidation loan is a type of personal loan that you can use to combine several high-interest debts into a single loan with a fixed monthly payment.

Which types of debt can I consolidate?

 
Debt consolidation loans are useful for managing revolving lines of credit and high-cost loans that have high interest fees. Some of these debt types include credit cards, retail credit cards, gas cards, payday loans, and title loans.

What are the advantages of loans for consolidating debt?

 
With a debt consolidation loan, you can take back control of your financial future.
– Convenient single monthly payment: Once you combine several of your debt payments into one, you can free yourself from revolving debt and the need to keep track of multiple payments.
– Savings possibilities: With the right loan terms, you can pay off your debt faster and save money on interest if you qualify for a lower interest rate.
– Predictable payment amount: Many debt consolidation loans come with a fixed interest rate, which means that the interest rate will stay the same over the life of your loan. Since you’ll know how much you owe each month, you can determine when your debt will be paid off.

What are the risks of debt consolidation?

 
Consolidating debt may be a tool you can use to help pay off your debt, but it may not be the right tool for everyone. Before you decide, it’s essential to consider all the potential risks of getting a debt consolidation loan. Keep in mind that the risks will vary from lender to lender.
– Fees. Lenders may charge closing fees, loan origination fees, and balance transfer fees, which can add up.
– Collateral. Some lenders may require you to put down collateral you own, like a car or home, to back up the loan. If you default on the loan, the lender may take the collateral to compensate for your missed payments.
– No guarantee of a lower interest rate. Consolidating a loan doesn’t automatically mean you’ll qualify for a lower interest rate. The rate you get will depend on the state of the market and details you provide to your lender.

How much debt do I need to consolidate?

The amount of debt you consolidate is entirely up to you. However, it’ll likely make more financial sense for you to consolidate if you have a large amount of debt. Why? New loans, like a consolidation loan, could come with fees and a credit check. If you have a small amount of debt that can be paid off in a year, it might not be worth the hassle.

After I'm approved, how long does it take to get the money?

 
Customers who have accepted a debt consolidation loan through Upstart have received funding as soon as 1 business day.