Get Credit Card Consolidation Loans

Life is but a series of ups and downs. Paying off debts is just one such rock that you might stumble upon. Debts can be tricky and the emotional burden that they bring along with the financial burden is like a sword hanging over your head. College debt, housing debt, car loan, etc., you might have to pay for one of these or a combination of these. Does this not sound crippling enough to the mind?

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Credit Card Consolidation Loan

Well, do not stress anymore. We, at Your Own Funding, aim to take away your money troubles by way of the Credit Card Consolidation Loan. No, this will not trap you in a debt cycle. It will be a way to combine several debts into one, or to be more precise, you will be able to put all credit cards into one payment, make regular payments and pay less interest at the same time.

Getting a loan to pay off credit cards debt may sound risky and to be honest, it is not without its risks. But our company will help you scour the market to find the best credit card debt consolidation loans. So, even if your credit score is not up there, we will find a loan to pay off credit cards with bad credit. We will find a loan that suits you and wipes away all your troubles relating to credit card consolidation loan bad credit and whatnot.

Benefits of Credit Card Consolidation Loan

Well, look no further! Here are some of the benefits that you can avail if you choose Your Own Funding.com. They are as follows:

Transparency and clarity

We make sure that you are provided with loans where the terms and conditions are specified clearly and are spelt out without hiding anything.

Flexibility and short-term loans

Our company offers you a comprehensive list of lenders who furnish loans that give you flexibility so that even if you pay early you are not penalized for it. We ensure that the loans are not structured to trap you, but only serve to finish them in a short span.

Approval for everybody

We ensure that loans are approved for almost every client and they get the credit card consolidation loan that is tailored to their needs and wants. We do not want to see you compromising. We find loans for you, no matter what. Bad credit score, average credit score or a good credit score – each of them has a place at Your Own Funding.com.

Support throughout and quick business

Thus, Your Own Funding.com is going to be there for you every step of the way connecting you with legit lenders who can provide you access to funds within one to two business days and by extension, a loan which is not a burden, rather, only serves to help you get rid of the debt burden.

Lower Interest Rates

Even if you have a bad credit score, we find lenders for you. The interest rates are lower and do not trap you in a debt cycle. The interest can be easily paid no matter the credit score.

What does Your Own Funding.com aim to do by providing a Credit Card Consolidation Loan?

It simply aims to find for you loans to pay off credit card debt. Such online debt consolidation loans involve the process of combining different credit card debts into one that is putting all credit cards into one payment following which you make singular payments. You do not pay multiple installations to the creditors along with the heavy interest, instead, you pay a single amount and a single interest payment.

How to apply for Credit Card Consolidation loan?

To give the best of what you deserve, we have plenty of parameters to help you out in every possible way.

How to apply for Credit Card Consolidation loan?

Some of the ways in which we aim to help you are as follows:

Step 1

Procuring necessary details from you

We begin with a short query form that provides us with all the necessary details about you. You will be expected to provide details like how much amount you need, some particulars about yourself, etc. This process usually takes about 5 minutes.

Step 2

Connecting the borrower to the lender

As per the details that you have provided for online debt consolidation loans will be run through our database and we will connect you with the different lenders with loan options that are available to you and are tailored to meet your needs and concerns.

Step 3

Transfer of funds for a better future

You can receive the money within 24 hours or more based on the lender you have chosen and your bank.

We have helped over 130,000 people

“The representative helping me was absolutely fantastic. Not only did I get my loan but she also advised me that she could help me get my credit back.”

Joy Cole, NY

“Their application process was quick and simple. In a short time I had the funds I needed to complete some much needed improvements around the house.”

Jennifer Kerr, LA

“These guys are always ready to help you need it most. They helped cover school fees for my brother and when i was a little low on cash.”

Mary Kate, GA

Frequently Asked Questions
Is consolidating credit cards bad for your credit ?

To this, first we need to understand the need you are consolidating your credit cards. The credit card consolidations might lead you to a debt cycle only if you choose to have lack of knowledge. This is because the credit card consolidation debts are reduced to a month’s payment duration.

Hence you need to keep a watch on your transactions for a timely payment of your debts. Consulting an experienced Credit counsellor would surely help you out.

Also, check out for your daily activities if you feel like finally consolidating your credit cards on an urgent basis :

  1. Making up a proper budget: The budget making has been into trend not just for the sake of letting you decide the optimal usage of your cash in future. Moreover, once you analyze and work accordingly up on your budget, you get the suitable strategy to control your debt repayments within your budget too.
  2. Expense control : Keeping an eye over how to control your expenses at some point of time, is very important. This way you could prevent yourself from unnecessary expenses as well as maintain a good credit. Thus, you are able to manage and realise the need for consolidating credit cards.

So, the concluding part says that credit card consolidation is not at all a bad idea unless you figure out the two sides of the consequences after you choose to take or ignore credit card consolidations.

Is credit card consolidation a good idea?

Again, as we have seen earlier that going for a credit card consolidation isn’t always bad. But this is the case only when you choose to be smart enough to identify where they could take you.

If you are being casual in paying your debts timely, then that would be a pillar of troubles to you in the future. Else you will have to have an easy-going life after you have been successful in clearing your debts on time.

Getting the point?

It’s just as simple : as long as you keep a check over your budget and expenses at your present, you will get out of the risks of trapping yourself in credit card consolidation debt traps.

Moreover, in comparison to high interest rates in the conventional ways of loans might prove a headache at times. Therefore, going for the credit card consolidation debt at such time is a much better option,providing you negotiable interest rates.

How do you get approved for a credit card consolidation loan?

If you need yourself served with a credit card consolidation loan, then the procedures must be followed.

  1. Query form submission : Firstly the lending company that you have chosen for yourself shall provide with an online/offline form regarding your personal details. You need to answer the details correctly and genuinely to avoid any mess in the future.
  2. Re-evaluation of the form : After seeking your details, a proper process that is carried out and within a day or two, the further procedures are taken into account. Within the same procedures you are able to negotiate for your interest rates only if you are eligible enough for the companies’ loan.
  3. Final Approval : The thorough analysis of your details involving your past relations with the banks, history of your loans acquired and much more is what makes you eligible for a final approval for credit card consolidation loan.
Will credit card consolidation affect my credit score?

The truth is that you can not use credit consolidation at all to increase your credit score. The reason being that you already are in a difficult position to pay off your remaining debts.

On the other hand, being honest may sound bitter, but the increasing interest rates and payments to be made within a month or two, is more prone to decreasing your credit score. However, that depends on the methods you have acquired for credit card consolidation loans.

But, as an ultimate consequence, once you are done with the clear payments of all your debts, you are sure to have back your fallen credit scores over time. Be patient and focus on the timely payments to get yourself out of the debt cycle as quickly as possible.

Why Your Own Funding.com?

You can always read credit card consolidation loan reviews given by our clients who have trusted us and availed our services. We have not given anyone a single reason to feel disappointed, especially if you are worried about not finding a loan because of online debt consolidation loans bad credit. Are you still in two minds about choosing debt consolidation loans online?

Benefits

Well, look no further! Here are some of the benefits that you can avail if you choose Your Own Funding.com. They are as follows:

  1. Transparency and clarity: We make sure that you are provided with loans where the terms and conditions are specified clearly and are spelt out without hiding anything.
  2. Flexibility and short-term loans: Our company offers you a comprehensive list of lenders who furnish loans that give you flexibility so that even if you pay early you are not penalized for it. We ensure that the loans are not structured to trap you, but only serve to finish them in a short span.
  3. Approval for everybody: We ensure that loans are approved for almost every client and they get the credit card consolidation loan that is tailored to their needs and wants. We do not want to see you compromising. We find loans for you, no matter what. Bad credit score, average credit score or a good credit score – each of them has a place at Your Own Funding.com.
  4. Support throughout and quick business: Thus, Your Own Funding.com is going to be there for you every step of the way connecting you with legit lenders who can provide you access to funds within one to two business days and by extension, a loan which is not a burden, rather, only serves to help you get rid of the debt burden.
  5. Lower Interest Rates: Even if you have a bad credit score, we find lenders for you. The interest rates are lower and do not trap you in a debt cycle. The interest can be easily paid no matter the credit score.

All in all, loans do not have to be a load that has to solely rest on your shoulders. You can always share this load with us at Your Own Funding.com.

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