Debt consolidation
Give your debt a repayment plan you understand.
Compare balances, rates, fees, and repayment time. A smaller monthly payment may mean paying longer, and securing debt with your home adds risk.
Our AI-assisted process offers a convenient way to explore financing; the potential benefit of consolidating depends on your actual costs and repayment plan.
Start with AI Chat: What costs and risks should I consider before consolidating debt?
No obligation to take a loan. General questions and booking a call do not start a credit check.Start with a conversation. Move forward when you are ready.
Make the decision yours
A useful conversation starts with what matters to you.
Map the balances
Start with the debts, payments, and rates you want to review.
Compare the full repayment
Look at total costs and term, not just the proposed payment.
Consider the risk
Understand what changes when debt is secured by your home.
Explore your direction
See the options. Understand the tradeoffs.
Use these starting points to explore. A loan professional can help you compare the details for your situation.
HELOC
A credit line for access to equity over time. Review rate changes and repayment terms.
Explore a HELOCHome equity loan
A lump-sum approach for a defined expense. Compare the actual payment and costs.
Explore equity loansCash-out refinance
A new mortgage that replaces the current loan. Compare the effect on your entire balance.
Explore cash-out refinancingReady to take the next step?
Start your secure online application, or talk through your options first.
Good questions. Clearer choices.
Know what comes next.
Get oriented here. For answers about your own plans, speak with a loan professional.
View licensing disclosuresCan consolidating debt increase my total costs?
Yes. Fees or a longer repayment period may increase total costs. If you use home equity, previously unsecured debt may become debt secured by your home.
What should I compare before choosing a loan?
Review the proposed payment, upfront costs, rate structure, repayment term, and total cost. Ask what can change and which conditions apply to the offer.
Can I discuss my options before applying?
Yes. Book a Call to choose a time or call us directly. Start with your goals and questions, then decide whether an application is the right next step.
What happens after I start an application?
The application begins a review process. A loan professional may request information and supporting documents. Starting an application does not guarantee approval or specific loan terms.
Where should I provide financial documents?
Use the secure application or account portal when documents are requested. Keep personal financial information out of general chat messages.
Where is USAloans licensed?
Review the State Licenses page for company licensing disclosures and the states served. Loan availability also depends on program, property, and eligibility requirements.
Your information, protected.
Encrypted applicationOur application portal uses 256-bit encryption and a SOC 2 Type II audited provider.
Privacy safeguardsPhysical, electronic, and procedural safeguards help protect your information. Employee access requires a business purpose.
Share securelyAsk AI Chat general questions. Use your application account for sensitive details and financial documents.
Your next step, your choice
AI moves the process. You make the next move.
Get answers, begin online, or choose a time to talk. Explore your options with no obligation to take a loan.
Start with a question.
Use AI Chat for general information about loan options and next steps. Try asking: “What costs and risks should I consider before consolidating debt?”
Move forward online.
Begin through our secure application portal at your convenience, with personal guidance when you need it.
Start My Application →Talk it through.
Choose a time to discuss your goals, compare costs, and plan your next step with a mortgage professional.
Book My 15-Minute Call →No obligation to take a loan. Complete an initial application and eligibility review with no credit inquiry or a soft inquiry, without affecting your credit score.