Can I Get A Debt Consolidation Loan With Bad

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00:00 – Would SoFi be good for credit card consolidation?
00:45 – Pro: No fees
01:15 – Pro: Interest rate discounts
01:29 – Pro: They will pay off your other debts directly
02:05 – Pro: High loan amounts
02:39 – Pro: They accept cosigners
03:17 – Con: Why SoFi might not be the lender for you
03:39 – How to shop for the best deal
04:10 – Summary

So, what are the pros to SoFi’s credit card debt consolidation loans?

The first pro is that SoFi doesn’t charge any extra fees. And I really mean no fees, even the fees that would be reasonable and expected. Miraculously, they don’t charge late fees if you are past-due on a payment. You also won’t be squeezed throughout the life of the loan by account maintenance fees or NSF fees. And they don’t charge an origination fee at the start of your loan. This means that the entire cost of borrowing from SoFi will be found in their interest rate. It’s important to point out that an origination fee is represented in the APR. The APR would be the interest rate plus the origination fee. Origination fees don’t get reimbursed if you pay the loan off early. Because SoFi doesn’t have an origination fee, you would be rewarded for paying the loan back early.

SoFi also offers a couple of discounts that can save money on the interest rate. You can save .25% if you sign up for autopay and you can save an additional .25% if you use direct deposit into a SoFi bank account.

Another good thing about SoFi for credit card debt consolidation is that they will pay your credit cards off for you directly. This is convenient, but there’s another reason why I think it is really important: it shows that they are aware that the debt consolidation loan is meant to replace other debts and not stack on top of them. So, it should mean that it is easier for you to clear their debt-to-income ratio thresholds. In short, it should be easier to be approved compared to a lender that does not offer direct pay off, especially if you have substantial credit card debt.

And if do you have substantial credit card debt, SoFi might be one of the few lenders who will lend you enough money to consolidate all of it. Their maximum loan amount is $100,000. Few of us would have that much credit card debt, but if you do, SoFi is one of only a couple of companies that could help you. If you have more than $50,000 in credit card debt, I would suggest that you word directly with a certified debt counselor with a non-profit to explore the strategies that would be best for you.

Another good thing about SoFi is that they accept cosigners on their loans. A cosigner would be responsible to pay back the loan if you fail to. If you can qualify for a debt consolidation loan and get the best rate on your own, there is little reason to entangle your spouse or loved-one in the process. But, adding a cosigner can help you get approved if you otherwise wouldn’t have been. They can also help you qualify for a higher loan amount or a lower APR. This is especially true if your cosigner’s credit score is better, debt-to-income ratio is lower, or income is higher.

So, what are the cons to SoFi’s credit card debt consolidation loans?

There’s not much negative to say about SoFi, but let me tell you why SoFi might not be the lender for you. Only people with good to excellent credit and decent incomes will qualify for a SoFi credit card debt consolidation loan. If you are in that category, great. But there are a lot of people who will not be able to land a SoFi loan.

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When your debts go out of hand, you might find it easier to just take out a loan to settle everything, but is debt consolidation a good idea? Watch this video to learn all about this and whether or not it’s a good option for you!

Watch And Enjoy!
Justin Mirche

Key Moments In This Episode
========================
00:00 Intro & Summary
00:34 What Is Debt Consolidation?
01:58 Different Types Of Debt Consolidation Loans
03:43 Common Trap With Debt Consolidation Loans
04:45 Pros Of Debt Consolidation Loans
06:51 Cons Of Debt Consolidation Loans

What To Watch Next
========================
How Long Does It Take To Repair Credit?
https://youtu.be/gwuAdlPuywg

RESOURCES
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Learn More about Justin Mirche
========================
Justin Mirche is the founder and President of Justin Mirche Consulting. He has a vast background in finance and has been the go-to person for friends, colleagues, and clients for years to assist in solving a wide array of credit and finance challenges. His experience and dedication have transformed lives, families, and businesses. Now, he wants to share his expertise to help a much broader audience. With his YouTube channel, Justin wants to answer questions that affect our everyday lives, erase confusion dispel myths about credit and finance, and provide valuable advice to help you level up and reach your credit and financial goals.

Website: https://justinmirche.com/

========================
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Chapters
0:00 Subscribe!
1:06 Interest
4:04 Comment
5:04 “Not Paying”
6:17 Can’t Get An Apartment
10:17 Comment
11:113 Insanely High Debt
12:17 Student & Car Debt
13:24 Grandma Cosigned
15:10 Doctor
16:17 Go To School Forever
16:55 Comment
17:36 $170,000 Debt
18:32 Comment
18:55 College Is Over
20:35 Comment
21:15 $100k Degree
22:39 Changing Careers
24:15 Not Knowing Price?
25:12 $20
25:40 Changing Lenders
27:00 Late Payment
28:21 Update

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Questions that I get often asked are – What is a debt consolidation loan? Do you think balance transfer cards are a good idea? Will I save money on interest with either option?

So let’s talk about balance transfer cards v. debt consolidation loans – if any are right for you and what to look out for in order to save money with either option.

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