By state · California
Debt consolidation loans in California
Compare unsecured personal loan offers from a vetted network of lenders licensed to lend in California. Soft credit check, no obligation, no fees from us.
Checking your rate uses a soft credit pull — no impact on your credit score.
What California borrowers should know
A debt consolidation loan replaces high-interest credit card balances with a single fixed-rate personal loan. For most California borrowers, that means one predictable monthly payment instead of three to five, and usually a meaningfully lower APR than what credit cards charge.
Loans through the Swift Financial Network range from $1,000 to $50,000 with terms of 24 to 84 months. Representative APRs run from 6.99% for excellent credit up to 35.99% — the rate you actually get depends on your credit profile, income, and total debt load, not your state of residence.
California licensed lenders in our network are state-regulated and required to disclose all loan terms in writing before you sign anything. There are no fees to use the comparison platform — lenders pay us, you don't.
Eligibility (the basics)
- U.S. citizen or permanent resident, 18 or older, with a California address.
- Verifiable income — full-time employment, self-employment, retirement, or steady benefits all count.
- A checking account in your name to receive funds.
- Most approved borrowers have a credit score of 600 or higher, though several network lenders work with fair credit.
How it works
- 1. Tell us about your debt. Loan amount, purpose, basic income — about 60 seconds.
- 2. See your real offers. A soft credit pull surfaces real rates from lenders that match your profile and serve California.
- 3. Pick the offer that fits. Compare APR, term, monthly payment, and any fees side-by-side.
- 4. Finalize directly with the lender. The chosen lender runs a hard pull, finalizes the loan, and funds — often within one business day.
Run the numbers first
- Debt consolidation calculator — combine your current balances and APRs.
- Debt payoff calculator — see how fast you'll be debt-free.
- Snowball vs avalanche — compare DIY payoff methods to a single loan.
