Explore debt consolidation loan offers in seconds.

You could qualify for a debt consolidation loan between $2,000 and $45,000.

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Checking your offers won't impact your credit score.

Why Rocket Loans℠ for debt consolidation?

Same day funding available

You could receive your loan money as soon as today.

No early payoff penalties

Because paying off your loan sooner should be a good thing.

Fixed rates forever

Once you close on your loan, you'll lock a rate that never changes.

Pay down your debt once and for all.

Here's how a personal loan for debt consolidation could simplify your monthly payments and speed up your path to financial freedom.

Stress-free budgeting

Consolidate debts into one easy-to-remember monthly payment.

Faster debt payoff

Focus on paying down the loan itself, not just interest.

May help your credit

By consolidating debt, you could lower your credit utilization ratio and boost your credit score over time.

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Clients love Rocket Loans for debt consolidation

This was the smoothest financial process that I have ever gone through! Nothing was difficult or stressful. I would definitely recommend to anyone.

Latanya H., April 2024

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Potential finance charge savings with a $16,000 debt consolidation loan

A finance charge is the total amount paid for a loan, including all interest and fees added at the time of origination.

Savings example assumes a $16,000 credit card balance making 91 monthly payments of approximately $376.83 at 23.24% APR for a total of $17,940.48 in interest paid as calculated using the Calculator.net Credit Card Calculator versus a Rocket Loans Personal Loan of $16,000 with a 6.95% origination fee and making 59 scheduled monthly payments of approximately $376.83 and 1 final monthly payment of approximately $399.09 based on a 14.55% interest rate and 17.90% APR for a total of $6,632.06 paid in interest. Actual savings may vary based on the actual APR of existing credit cards and the APR of a personal loan you may obtain through Rocket Loans.

Savings example assumes a $16,000 credit card balance making 91 monthly payments of approximately $376.83 at 23.24% APR for a total of $17,940.48 in interest paid as calculated using the Calculator.net Credit Card Calculator versus a Rocket Loans Personal Loan of $16,000 with a 6.95% origination fee and making 59 scheduled monthly payments of approximately $376.83 and 1 final monthly payment of approximately $399.09 based on a 14.55% interest rate and 17.90% APR for a total of $6,632.06 paid in interest. Actual savings may vary based on the actual APR of existing credit cards and the APR of a personal loan you may obtain through Rocket Loans.

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Ready to apply for a debt consolidation loan?

Our rocket-fast application process is simple and secure.

1. Tell us about you

Enter some personal details such as your income and address.

2. Check loan offers

Explore different loan offers that you're prequalified for.

3. Select your loan

Choose a loan offer that fits your needs and help us verify your details.

4. Sign your offer

Close on your offer online and receive your loan money as soon as today.

Start Application

Debt consolidation questions, answered

Understand the ins and outs of debt consolidation.

  • It may be a good idea to get a debt consolidation loan if:

    • You want to combine multiple debts into a single monthly payment. This can simplify your monthly budget and bill paying process.

    • You want to potentially lower your interest rate on your debts. Instead of paying multiple interest rates across everything you owe, a debt consolidation loan could provide a lower interest rate, depending on your credit and other factors.

    • You want a longer repayment term. Personal loans for debt consolidation can often come with longer payment terms, giving you more time to pay them off.

    • You want to lower your credit utilization ratio. Making timely payments on a debt consolidation loan could help improve your credit score over time.

    • You want your interest rate to stay the same. If you use Rocket Loans to consolidate debt, your monthly payment will remain the same each month through the life of your loan.

  • Your debt-to-income (DTI) ratio is the percentage of your total monthly income (before taxes) that you pay toward your monthly debts. Financial institutions use this percentage to decide if it's a good idea to lend you money. A debt consolidation loan may help you improve your DTI ratio over time by merging your debts into a single, fixed monthly payment.

  • So glad you asked! Start your application to check your debt consolidation loan offers with Rocket Loans. Checking your offers won't impact your credit score one bit.

  • An unsecured debt consolidation loan is a type of personal loan that provides a convenient way to borrow money without the need for clients to put up any collateral, such as a car or house.


    Here at Rocket Loans, we offer unsecured debt consolidation loans because they provide our clients with a quick and easy approval process based on credit history and income, which can lead to faster access to funds for debt consolidation.

Boost your debt consolidation knowledge.

What is Debt Consolidation?

Learn about different types of debt consolidation, how they work, and more.

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Is Debt Consolidation a Good Idea?

Discover the benefits of debt consolidation so you can make an informed decision.

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Which is Better: Debt Consolidation Vs. Debt Settlement

Explore and compare these two common debt-reduction strategies

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