Debt Consolidation Made Simple
Turn many payments into one.
Compare personal loan options for debt consolidation from our network of lenders. Seeing your options here won't affect your credit score.
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- Privacy first
- 2-minute application
Why Request a Loan With Us
A simpler way to approach debt consolidation: from one short form to one monthly payment.
All Credit Types Welcome
Multiple lenders review your request through our network, which may improve your chances.
Fast & Simple
A short online form connects you with lenders quickly.
Your Data, Protected
Your information is encrypted when you submit your request.
One Simpler Payment
Consolidate multiple debts into a single monthly payment.
Frequently Asked Questions
Quick answers about how Lighter Lending works.
A personal loan is typically unsecured, meaning it doesn't require collateral. People often use one for things like debt consolidation or paying down credit cards. Always review the terms before accepting any offer.
No. Lighter Lending is not a lender and makes no credit decisions. We connect consumers with third-party lenders and partners in our network.
Submitting a request on our site does not affect your credit score. If you continue with a lender you're connected to, that lender may perform its own credit check.
Our service is free to use. We may receive payment from lenders or partners when we connect you with them.
Eligibility is set by each lender and may consider factors like income, identification, and a bank account. Perfect credit isn't required, and qualifying — or qualifying for any particular amount — is never guaranteed.
Availability varies by state and by lender, and some states may not be serviced. The lenders in our network determine where they operate.
Rates depend on the lender and your individual profile, so we can't quote a rate. Any rate or APR example shown on this site is for illustration only.
Representative Example
Understanding APR
APR (Annual Percentage Rate) reflects the yearly cost of borrowing, including interest. Personal loan terms vary, and the representative maximum APR is 35.99%. The table below illustrates how different APRs and terms can affect your monthly payment and the total you repay.
Example: a $10,000 loan at 12.99% APR over 36 months is about $336.89/mo, $12,128.09 total.
| Loan Amount | APR | Term (months) | Monthly Payment | Total Paid |
|---|---|---|---|---|
| $5,000 | 9.99% | 24 | $230.70 | $5,536.84 |
| $10,000 | 12.99% | 36 | $336.89 | $12,128.09 |
| $15,000 | 15.99% | 48 | $425.03 | $20,401.31 |
| $20,000 | 18.99% | 60 | $518.70 | $31,122.06 |
| $25,000 | 21.99% | 72 | $628.00 | $45,216.35 |
For illustrative purposes only. The figures above are a representative example, not actual rates or an offer of credit. Your actual APR, terms, monthly payment, and total cost depend on the lender and your individual circumstances, and are not guaranteed. Lighter Lending is not a lender and does not guarantee any rate or approval.