One loan, one payment, one step closer to financial freedom
Fast approval, funds within 24 hours
Managing multiple debts is exhausting. Different due dates, different interest rates, different minimum payments — it's easy to lose track and even easier to fall behind. A debt consolidation loan simplifies everything by combining your debts into a single loan with one monthly payment.
The concept is straightforward: you take out one new loan, use it to pay off your existing debts, and then focus on repaying just that one loan. Instead of juggling credit cards, medical bills, and other obligations, you have one payment to remember, one interest rate to track, and one payoff date to work toward.
At NeptuneLoan, we connect you with lenders who specialize in debt consolidation. Whether you're dealing with credit card debt, personal loans, or other unsecured debts, our lending partners can help you find a path to simpler finances.
List all the debts you want to consolidate — credit cards, personal loans, medical bills
Request a loan amount that covers your total debt
Use your new loan to pay off all your other balances
Focus on a single payment until you're debt-free
Debt consolidation loans work best for unsecured debts — debts that aren't tied to collateral like a house or car:
Debt consolidation only works if you change the habits that created the debt in the first place. After consolidating:
To qualify for a debt consolidation loan:
One application, multiple lender options — find the best rate for your situation
Many borrowers qualify for rates lower than their current credit cards
Apply in minutes, get a decision quickly, start paying down debt sooner
Even if your credit isn't perfect, our lenders consider your full financial picture
Every journey out of debt starts with a single step. Use the loan selector above to see what consolidation options are available to you. Checking your rate takes just 2 minutes and won't affect your credit score.
One loan. One payment. One step closer to financial freedom.
Disclosure: NeptuneLoan is not a lender. We are a loan matching service that connects borrowers with independent third-party lenders. Loan approval, terms, and funding are determined solely by the lender. APR ranges from 5.99% to 35.99%. Actual rates depend on the lender and your creditworthiness.