Debt Consolidation Loans
Debt consolidation loans built around your full profile.
Compare debt consolidation loan options up to $100,000 from lenders that consider income, credit, and ability to repay — not just your score.
SOFT INQUIRY · NO OBLIGATION · 60 SECOND FORM
- Soft inquiry
- Compare lending partners
- No obligation
Why consolidate
One loan can be easier to manage than several balances.
Debt consolidation may help borrowers replace multiple eligible debts with one personal loan payment. Swift Financial Network lets you compare options from lending partners before deciding whether an offer fits your budget.
Bring balances together
Explore options for consolidating credit cards, medical bills, or other eligible unsecured debts.
Compare before deciding
Review potential loan amounts, terms, and estimated payments from lending partners.
Move at your pace
Checking options uses a soft inquiry and there is no obligation to accept an offer.
The verdict
A clearer way to compare consolidation loan options.
Borrowers use Swift Financial Network to check consolidation options, compare lending partners, and decide whether replacing multiple eligible balances with one loan payment makes sense for them.
4.9 / 5 · Rated excellent by verified borrowers
- Funded through the network in 2025$8.5B+
- Vetted lending partners35+
- Average application time58s
- Debt consolidation and personal-loan optionsUp to $100K
A consolidation preview
See what one payment could look like.
For a borrower consolidating $25,000 over 60 months, a representative offer in our network could be a 7.99% APR with a monthly payment of about $507. Your actual options depend on lender review.
IF YOU CONSOLIDATE
$25,000
ESTIMATED MONTHLY PAYMENT
$507 / mo
60 mo · 7.99% APR · representative example
How it works
Check options before you commit.
01
Tell us what you want to consolidate
Start with the loan amount and a few details about your profile.
02
Review lending partner options
See potential loan options from vetted lending partners, subject to lender review.
03
Choose whether to move forward
If an option fits, you can continue with that lender. If not, there is no obligation.
Checking options uses a soft inquiry. There is no obligation to accept an offer. Loan availability, rates, terms, and funding timing vary by lender and borrower profile.
Borrower scenarios
Debt consolidation looks different for every borrower.
$54K
CONSOLIDATION
AMOUNT“I wanted to stop juggling several due dates. Swift Financial Network helped me compare consolidation loan options without committing before I was ready.”
MARCUS T. · AUSTIN, TX
$22K
CONSOLIDATION
AMOUNT“I was comparing ways to consolidate credit card debt. Seeing estimated payments side by side made the next step clearer.”
JENNIFER R. · COLUMBUS, OH
$38K
CONSOLIDATION
AMOUNT“Five cards, five due dates, five interest rates. Checking my options only took a few minutes and didn't touch my credit score.”
DAVID K. · SACRAMENTO, CA
$15K
CONSOLIDATION
AMOUNT“Medical bills had piled up after surgery. I wanted to see realistic monthly payments before talking to any lender.”
PRIYA S. · RALEIGH, NC
$41K
CONSOLIDATION
AMOUNT“I liked that nothing felt pushy. I reviewed a few consolidation loan options on my own time and picked what worked for my budget.”
ROBERT M. · MINNEAPOLIS, MN
$29K
CONSOLIDATION
AMOUNT“Combining everything into one estimated monthly payment finally made my debt feel manageable instead of scattered everywhere.”
ALICIA G. · TAMPA, FL
$67K
CONSOLIDATION
AMOUNT“I was skeptical at first, but the soft inquiry let me actually see numbers before deciding anything. That made a big difference.”
THOMAS W. · DENVER, CO
SCROLL TO SEE MORE · BORROWER SCENARIOS · INDIVIDUAL RESULTS WILL VARY
Common questions
What borrowers ask first.
Yes. Debt consolidation is one of the most common reasons borrowers use Swift Financial Network. You can compare personal-loan options from vetted lending partners that may let you replace multiple eligible balances with one loan payment.
Your turn
See your debt consolidation loan options.
Check options from lending partners with a soft inquiry and no obligation to accept an offer.
Check my rateNO CREDIT IMPACT TO CHECK OPTIONS · 60 SECOND FORM · NO OBLIGATION
