Let’s talk about debt consolidation loans. Specifically, is a personal loan your best option? How to save money by choosing the most affordable personal loan or credit card, how to pre qualify for these loans without even providing your social security number, how to get a loan with bad credit and some more pro-tips that will really help you tackle that debt.

Debt consolidation can be a great option if you are stuck in credit card debt with crazy high interest fees. Typically, when you consolidate your debt you should expect to save a bunch of money on interest, BUT it doesn’t necessarily guarantee a lower payment and I show an example of this in the video.

Credit cards might be a better option than personal loans when considering debt consolidation because even with bad credit because a lot of them offer the option to do balance transfers and waive the balance transfer fee and offer 0% interest for 12-18 months. For more information on balance transfers and some companies to consider, click the video below

Companies Discussed in Video:

Wells Fargo (Risk Free Calculator)
https://www.wellsfargo.com/personal-credit/rate-and-payment-calculator/#Good

Sofi
https://www.sofi.com/personal-loans/credit-card-consolidation-loans/

Avant
https://www.avant.com/

FREEZE YOUR CREDIT:
https://www.experian.com/blogs/ask-experian/credit-education/preventing-fraud/security-freeze/
https://www.transunion.com/credit-freeze
https://www.equifax.com/personal/credit-report-services/credit-freeze/

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*Please be sure to do your own due diligence before making ANY financial decisions. On my channel I share with you my research but please verify everything for yourself! I do not give investment advice, just share my thoughts any my choices!*

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Debt Consolidation Loans
Don’t make the same mistake I made… 4 TIMES!!!
Star your debt free journey here— https://youtu.be/ErS9Q4oRkCU
Everything on this channel is based on my opinion and research

Are you struggling with debt but stuck with a low credit score? A debt consolidation loan could be the answer. Find out how exactly debt consolidation loans work when you have a bad credit score.

Bad credit can be a difficult burden all on its own. Throw in debt and you could be in over your head with no idea of how to get out.

Debt consolidation loans can be a great solution to dealing with high levels of debt. However, it can be hard to qualify for one, especially with a lower credit score. This video shows you exactly how a debt consolidation loan can work with a low credit score.

Interested in learning more about debt consolidations loans with bad credit? Check out this fact sheet and see the answers to some of the most commonly asked questions here — http://bit.ly/3bxLdXc

If you are stuck in debt with a low credit score, you may have more options than you think beyond debt consolidation loans. One option which has no credit score qualification is debt settlement. National Debt Relief specializes in debt settlement programs which help consumers to get out of debt for less than what they owe and in less time.

To learn more about the services we offer, take a look at this video — http://bit.ly/2uQThSF

Part of what makes our program so great, is the amazing results we’re able to get for people. To hear real client stories, check out some of the videos below.

CLIENT STORIES
http://bit.ly/2SIKmf6
http://bit.ly/39RuQTP
http://bit.ly/2uhword
http://bit.ly/2P7xnBm
http://bit.ly/39OaUBh

If you’re struggling with debt, you’ve probably heard more than your fair share about debt consolidation loans. Check out the pros and cons of this type of loan to see if it’s the right choice for your financial situation.

The information available about debt consolidation can be overwhelming and sorting through it all can seem like an impossible task. By accurately assessing the pros and cons, you will be able to evaluate a debt consolidation loan and see if it is the right option for you.

For some people, a debt consolidation loan may not be the best type of way to deal with debt. Those stuck in debt with a low credit score may have trouble qualifying for a debt consolidation loan. If you have a low score, you may have to explore other types of debt consolidation loans. Check out our article all about the other types of debt consolidation here — http://bit.ly/2T8bmnn

One type of debt consolidation with no credit requirement is debt settlement. If you’re interested in learning more about this process, check out this video all about National Debt Relief and how the process works — http://bit.ly/2uQThSF

If you liked this video and are interested in staying up to date on all things personal finance, make sure to subscribe and follow us on social media!

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#debt #debtconsolidation #loans

LENDING TREE REVIEWS: DEBT CONSOLIDATION REVIEWS, LOANS, AND HELP TO PAY OFF CREDIT CARD DEBT WITH BAD CREDIT 2018

WONDERING HOW TO GET OUT OF DEBT IN 2018? ARE YOU BEHIND ON BILLS, LOOKING FOR LOWER PAYMENTS AND INTEREST RATES? I PRESENT TO YOU LENDINGTREE.COM

LENDING TREE IS A FINANCE COMPANY THAT WORKS WITH VARIOUS COMPANIES TO HELP YOU FIND THE LOAN THAT FIT YOUR NEEDS.

EVERY PERSONS SITUATION IN LIFE IS DIFFERENT, SO LENDING TREE REACHES OUT TO ACCREDITED COMPANIES THAT CAN HELP YOU ACHIEVE YOUR FINANCIAL GOALS.

LENDING TREE OFFERS

1. Home Loans
2. Auto Loans
3. Personal Loans
4. Business Loans
5. Student Loans
6. Credit Card Loans
7. Credit cards
8. Debt Consolidation Loans
9. Holiday Loans
10. Weddings Loans
11. Signature loans
12. Unsecured Loans
13. Refinance Loans
14. Mortgage loans

DEBT CONSOLIDATION INVOLVES COMBINING MULTIPLE UNSECURED DEBTS INTO ONE BILL. THIS CAN BE HELPFUL IF YOUR GOING THROUGH HARD TIMES AND BECOME OVERWHELMED BY AN ASSORTMENT OF MONTHLY BILLS.

DEBT CONSOLIDATION CAN BE GREAT, BECAUSE IN SOME CASES YOU CAN SAVE THOUSANDS OF DOLLARS IN INTEREST, AND A LOWER TOTAL MONTHLY PAYMENT.

IN THIS EXAMPLE I ENTER INFORMATION AND GO THROUGH EACH STEP ON LENDINGTREE.COM TO RECEIVE HELP WITH LOAN CONSOLIDATION.

THE PROCESS IS VERY SIMPLE AND I ENDED UP WITH THE NATIONAL DEBT RELIEF CHOICE, WHICH IS AN ACCREDITED COMPANY BY THE BETTER BUSINESS BUREAU (BBB)

CHOOSE LENDING TREE AND THEY’LL MAKE THE BUSINESS DECISIONS FOR YOU, SAVE TIME AND MONEY.

Whether you need lower rates or flexible repayments, we gathered a list of debt consolidation lenders that may fit your budget and needs. Read more: https://www.finder.com/best-debt-consolidation-loans?utm_source=youtube&utm_medium=video&utm_campaign=fpl&utm_content=best&utm_term=guides

Millions of Americans use Finder to help them make better decisions. We can help you too. We understand that making everyday life decisions such as finding a credit card, buying a home and getting health insurance can be daunting. That’s why we’re here. Our goal is to help you navigate those complex decisions by making them less of a chore (and hopefully less of a bore, too!) Visit us at https://www.finder.com

#debtconsolidation #bestdebtconsolidationloans #debtconsolidationloan

If you have more than one loan, it may sound like a good idea to roll them into one consolidated loan but it may end up costing you much more over time! In this video we break down debt consolidation on Home Loans, and what it might cost over time.

For more info https://www.huntergalloway.com.au/

For home loan enquiries
jayden.vecchio@huntergalloway.com.au

Find Jayden here:
https://www.huntergalloway.com.au/free-assessment/
https://www.facebook.com/MortgageBrokerBrisbane/
https://www.huntergalloway.com.au/author/jaydenvecchio/
https://au.linkedin.com/in/jaydenvecchio

T: 1300 088 065
E: hello@huntergalloway.com.au

Mortgage Broker Brisbane – Hunter Galloway
Head Office: 3 Latrobe Tce Paddington QLD 4064
PO Box 841, Paddington QLD 4064
CBD Office: Level 20, 300 Queen Street Brisbane, QLD 4000

Hunter Galloway are an Award Winning Mortgage Broker based in Brisbane. We help clients from our local area, Australia, and all over the world. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality.

Next steps and settling your first home

Our team here at Hunter Galloway is here to help you buy a home in Brisbane. Nathan & Joshua Vecchio are Senior Mortgage brokers who specialise in making your home journey easy.

Unlike other mortgage brokers who are just one person operators, we have an entire team of experts to help make your home loan journey as simple as possible.

If you want to get started, please get in touch and we can book a time that suits you – either a phone call information session or a face to face meeting (which doesn’t cost anything for you).

Contact Us

Debt consolidation (or refinancing) can make it easier to manage your repayments. But it may cost you more if the interest rate or fees (or both) are higher than before. You could also get deeper into debt if you get more credit, as it may tempt you to spend more.

Here are some things to consider before deciding to consolidate or refinance.

Avoid companies that make unrealistic promises
Some companies advertise that they can get you out of debt no matter how much you owe. This is unrealistic.

Don’t trust a company that:

is not licensed
asks you to sign blank documents
refuses to discuss repayments
rushes the transaction
won’t put all loan costs and the interest rate in writing before you sign
arranges a business loan when all you need is a basic consumer loan

Make sure you will be paying less
Compare the interest rate for the new loan — as well as the fees and other costs — against your current loans. Make sure you can afford the new repayments.

If the new loan will be more expensive than your current loans, it may not be worth it.

Use our mortgage switching calculator

Compare the interest and fees on a new loan with your current loans.

Remember to check for other costs, such as:

penalties for paying off your original loans early
application fees, legal fees, valuation fees, and stamp duty. Some lenders charge these fees if the new loan is secured

against your home or other assets
Beware of switching to a loan with a longer term. The interest rate may be lower, but you could pay more in interest and fees in the long run.

Protect your home or other assets
To get a lower interest rate, you might be considering turning your unsecured debts

(such as credit cards or personal loans) into a single secured debt

. For a secured debt, you put up an asset (such as your home or car) as security.

This means that if you can’t pay off the new loan, the home or car that you put up as security may be at risk. The lender can sell it to get back the money you borrowed.

Consider all your other options before using your home or other assets as security.

Consider your other options first
Before you pay a company to help you consolidate or refinance your debts:

Talk to your mortgage provider
If you’re struggling to pay your mortgage, talk to your mortgage provider (lender) as soon as possible.

All lenders have programs to help you in tough times. Ask to speak to their hardship team about a hardship variation

. They may be able to change your loan terms, or reduce or pause your repayments for a while.

Consider switching home loans
A different home loan could save you money in interest and fees. But make sure it really is a better deal. See switching home loans.

Talk to your credit providers
If you have credit card debt or other loans, ask your credit provider if they can change your repayments or extend your loan. The National Debt Helpline website has information about how to negotiate payment terms.

Consider a credit card balance transfer
A balance transfer may be a good way to get on top of your debts. But it can also create more problems. See credit card balance transfers to help you choose wisely.

Debt consolidation home loans: how Aussies are paying less interest & saving // If you’re juggling multiple debts, one way to simplify your finances is to bring all your loans together to make one monthly repayment. Consolidating debt into your home loan can not only make managing your finances easier, if you structure your repayments in the right way, can also help you save money in the long run.

0:45 What are debt consolidation home loans?
1:20 What are the benefits of consolidating debt?
2:07 What should you watch out for?
3:17 How to get approved for a debt consolidation loan
3:35 Can you consolidate debt if you have bad credit?

Choose a time to speak to an expert to discuss your situation and help find a consolidation option that will fit your specific needs: https://www.lendi.com.au/lp/book-appointment/

Join our Facebook group ‘Home Loan Hacks Australia’ to ask any questions about home loans:
https://www.facebook.com/groups/home.loan.hacks.au/

For more information on important home loan topics, check out these videos below:

Impact of credit scores on home loans :
https://www.youtube.com/watch?v=1Lo5Vo6b2cs
How to refinance your home loan:
https://www.youtube.com/watch?v=Vvuz9RJdgtk

Say hi on social:
Instagram: https://www.instagram.com/lendi_au/
Facebook: https://www.facebook.com/lendiau/
Twitter: https://twitter.com/lendiau

Watch this video again: https://youtu.be/h3bJYjRpTM4

5 Best DEBT Consolidation Loans near me For Bad Credit 2019
1. OPPLOANS- ? http://buildinternetwealth.com/OPPLOANS
WHEN YOU APPLY FOR A CONSOLIDATED LOAN WITH OPPLOANS THEY DO EVERYTHING IN HOUSE. THEY SERVICE
THEIR OWN LOANS. YOU HAVE TO CHECK IF THEY OFFER CONSOLIDATED LOANS IN YOUR STATE.
OppLoans rates and terms
Minimum credit score: None required.
Minimum monthly gross income: $1,500.
Must be employed or have benefits (not self-employed)
Have a bank account in your name with 40 days of history.
Receive your paychecks through direct deposit.
Live in one of the states that OppLoans serves.
OppLoans Installment Loans

2. CASH ADVANCE- http://buildinternetwealth.com/cashadvance
To be connected with a lender, CashAdvance.com requires you to meet the following
eligibility criteria: You must be currently employed. You must earn at least $1,000 after taxes each month. You must have an active checking or savings account.Apr 25, 2019
Product Name: CashAdvance.com Payday Loans
Loan Term: Up to 1 month
Costs: Determined by the lender based on the …
Requirements: Employed, $1,000+ monthly in…

3. BAD CREDIT LOANS- http://buildinternetriches.com/badloans
CONSOLIDATED LOANS
To get approved for a loan through BadCreditLoans.com, you need to be at least 18 years old and a citizen of the United States. You also need to have a valid phone number
and email address, a checking account that’s in your name, and proof of income or employment.

4. PERSONAL LOANS- http://buildinternetwealth.com/personalloans
Personal Loan Requirements
Although we will accept loan requestors with any credit score, there are still a few basic requirements that the lenders in our network are looking for. Before you request a loan, make sure you meet specific criteria regarding these items. Please note that meeting these requirements does not mean that you will be connected to a lender.

Age/ID/Residency Status – You must be 18 or older to be eligible for a personal loan. You must also have a valid Social Security number, and be a legal U.S. citizen or permanent resident.

Income – In order to ensure that you will be able to repay a loan, you must either have full-time employment, be self-employed, or receive regular disability or Social Security benefits. Some lenders or lending partners may require a pay stub or other form of income verification.

Bank Account – Most loans require a valid checking account, as once a loan is approved for you through PersonalLoans.com, your lender or lending partner will deposit your funds directly into said account.

Credit Type – You do not necessarily need to have a good or excellent credit record to qualify for a personal loan. However, most loans do require that customers demonstrate a pattern of responsibility. To be eligible for a personal loan product, typically an individual must not have any accounts more than 60 days late; must not have active or recent bankruptcies; must not exhibit a pattern of late payments; must not have any debt
that cannot be covered by current income; and must not have any recently charged-off accounts

5. SIGNATURE LOANS- http://buildinternetwealth.com/SIGNATURE
No credit, bad credit or ok credit. With our network of trusted lenders, lending partners and financial service providers, we are
able to connect you with a lender or lending partner that may offer you a loan.
Money for: Major Purchases • Debt consolidation • Medical Expenses • Extra Vacation Cash
Minimum Requirements Include:
Must be at least 18 years of age, Checking account with Direct Deposit, Regular income and pay frequency.
https://www.youtube.com/playlist?list=PLghbBUMZR6HQAc3JndxIx8Rynymg3K1v8
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http://financesolutions.org/debt-relief-options/debt-consolidation/ A Debt Consolidation Loan can be an effective way to pay off high interest credit card debt and provide debt relief through lower interest rates. For the millions of Americans who struggle with high debt levels, this can offer a solution where the creditor gets paid in full and you are able to reduce the monthly expenses.

Some debt consolidation loans require a form of security which means you must have equity in your home and transfer the debt to a home equity loan. This can result in a longer payoff period. It also results in moving unsecured debt to a secured debt which has its own set of risks.

Do you know the difference between debt review and debt consolidation? Watch our video and phone a consultant to find out more on 0861 043 627 https://www.iemasfinancialservices.co.za/ #IemasFinancialWellness #IemasCares