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Personal Money Service is not a direct lender, but a connecting service that matches your loan request with one of the trusted lenders participating in the wide online network, thus you get more chances to qualify no matter what your credit score is. Soft credit check doesn't impact your credit score.
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Debt Consolidation Loan - Your Financial Future

Tired of having lots of debt and large monthly payments? Then it’s time to consider debt consolidation. Personal Money Service offers unique solutions for your financial troubles. It also provides you with an opportunity to achieve a debt-free future through debt consolidation loans offered by our cooperating partners. Just compare debt consolidation companies online!

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Best for Fair Credit

Curadebt

5.0

this rating is our subjective opinion


Minimum Credit Score

680

APR Range

59% - 199%with autopay

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans
Best for Fair Credit

Access debt relief

4.5

this rating is our subjective opinion


Minimum Credit Score

680

APR Range

59% - 199%with autopay

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans
Best for Fair Credit

American debt enders

4.0

this rating is our subjective opinion


Minimum Credit Score

680

APR Range

59% - 199%with autopay

Loan Amounts Up to $100 per day
Fixed APR Does not charge interest
Loan Terms Until your scheduled payday
Frees No late fees ororigination fees
Time to Recive Funds Same day funding avalible
Recommended Credit Score No credit check required
Read the full review: Earning Personal Loans

Consolidating Debt: Consider the Benefits

Debt consolidation means using various debt assistance plans, which combine multiple loans, debts, or payments. For example, your credit card debit can be easily consolidated with our assistance.

In other words, debt consolidation is an online process where you apply for a new loan that helps you pay off your existing debts. That way you can choose the best debt consolidation loans online!

Before you complete the application form and push the final button, carefully consider everything. Find out more about your monthly payments, loan terms, and interest rates. Everything is interrelated here, and changes to one factor will mean changes to the others. When you consolidate debt with online loans, you must be 100% sure. Personal Money Service is ready to assist.

debt consolidation loans

3 Steps to Request Funds Online

1

Fill out the Form

  • short and easy form
  • safe & secure
2

See If You're Approved

  • real-time request review
  • large network of lenders
3

Check Your Account

  • convenient borrowing option
  • money into bank account


Strong benefits you can use

fast cash
Lower interest rates
easy process
Lower monthly payment
quick response
A monthly payment to one source
best companies
No collection calls from multiple creditors
debt consolidation loan
The chance to get rid of the debt faster
debt consolidation online
The opportunity to improve credit score
consolidating debt

These tips may be helpful for making the final decision on whether to seek for a debt consolidation loan:

  • Conduct careful research. Different financial institutions offer various repayment terms and loan interest rates.
  • Determine the realistic amount you are ready to pay monthly on a new consolidated loan.
  • Concentrate on the existing debt; do not get involved in some new credit opportunities.

The right debt consolidation plan will not only help you combine most, if not all of your multiple obligations, but will also make you more organized and focused in dealing with your monthly financial obligations.

Besides this, you should have an understanding of the debt consolidation procedures. After your multiple debt consolidations, you will have a single payment to make monthly, but it will not necessarily cause lower costs or a shorter term. Check all the benefits and drawbacks of the plan and decide whether the option is right for you personally.

Apply now to check the possible options.

What is an unsecured loan?

An unsecured loan definition tells us that this lending solution can be used for the short term and it doesn’t require any collateral to secure the debt. It presents fewer risks to the borrowers and has become widespread because of that.

Are unsecured loans a good idea?

They can be a good idea provided that you use the option wisely. An unsecured loan requires a borrower to be responsible, request only the exact amount necessary to remain financially afloat, and repay the debt on time so that the credit history doesn’t get hurt.

Do unsecured loans hurt your credit?

If you don’t pay the debt off on time and in full, you may end up having a lower credit rating. On the other hand, if you are accountable and take an unsecured loan, it may help you rebuild credit score and boost your credit history.

Why does an unsecured loan have a higher interest rate than a secured loan?

Whereas loans with no collateral needed have higher fees, secured loans are more affordable. It happens because creditors face higher risks of default from unsecured options. Not every lender wants to take such risks, so they have to put higher rates.

What is the difference between a secured and unsecured loan?

A secured lending option requires a borrower to back it up with some valuable assets such as their house or car. An unsecured loan offers a chance to obtain quick funds with no collateral, so consumers often opt for this solution.


Arthur Goldgaber

Arthur Goldgaber is a financial writer and editor. He works with asset management firms and leading private banks. Arthur's articles are published on the blogs of famous financial companies and he was the main editor of the popular financial book "Wall Street Back to Basics". He creates clear texts and turns complex topics into easy-to-understand content.