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19 Year Debt Consolidation Loan Of $8000 With A Fair FICO Credit Score Of 518

There are a number of options for debt consolidation loans for fair credit and we have listed many of them for your review below. We've started with unsecured personal loans for debt consolidation with loans up to $100,000. A credit score of 590 and above is required to apply. Best bad credit loan option for credit score below 590 are listed for smaller debt consolidation loans up to $5,000. We have listed business loans for debt consolidations with a credit score starting at 500. We have also listed student loan refinancing options for debt consolidation, auto refinancing, and secured loans for higher loan amounts using your home or auto as collateral.  We've listed balance transfer credit cards as a quick solution for clearing off debt.  

Debt Consolidation Personal Loan Options

An unsecured personal loan is a great solution for debt consolidation if your credit score and credit history meets the criteria of the lender.  We have listed personal loan providers with credit scores starting at 590. This lender group offers loans ranging from $1,000 to $100,000. When banks consider a 620 credit score a high risk, online lenders are happy to receive your loan application

Unsecured Bad Credit Loan Providers

A bad credit loan definition is referring to a credit score. When a credit score is below 580, this is typically referred to as bad credit. If your searching for a loan with a credit score below 580 without collateral/security, you're applying for an unsecured bad credit loan.

What you can expect when you apply for a bad credit loan: 

  • Loan amounts normally do not exceed $5,000
  • The term of a bad credit loan is much shorter with the longest term around 36 months
  • Interest rates will be much higher with some starting over 25%

Business Loan Refinancing

There is a number of business loan providers that will look at a debt consolidation loan with personal credit scores starting at 500. Some conditions apply including the time in business and gross annual revenues.

Student Loan Refinancing

Private Student Loans

Bad Credit Auto Financing

If you are searching for an auto loan up to $45,000, look no further. This auto loan provider specializes in auto loans for any credit score. Give them a try today:  Auto loans -- Bad Credit? No Credit? No Problem!

Secured Auto Purchase and Refinance

LendingTree offers hundreds of auto lenders that will help you buy the new car or refinance your existing vehicle. This can be a great way to get capital out of an asset. This provider can refinance your vehicle and get your capital back to you.

Unsecured Payday Loan Debt Consolidation: $500 to $5,000

Consolidating payday loans with 400% to 1500% interest rates will save you money. OppLoans offer an installment loan which provides equal payments over a set period of time to get rid of payday loans.

Free Credit Score Repair

Novita offers a free service credit rebuilding program

Research your Credit Score and Credit History

It's always a good idea to check your credit score and credit history before applying for a loan. Look through the report and check and see if you agree with everything on the report. If you disagree with the information on the report, contact the credit bureau and let them know that there is an error.

Lexington Law

If you find errors in your credit report, Lexington Law helps consumers repair errors on their credit report.

Co-Signing or Joint Signing

FreedomPlus specializes in co-signing with loans up to $40,000. If you are considering co-signing or asking someone to co-sign, we have provided information that explains the pros and cons of co-signing. if you have damaged your credit with too much debt a co-signer can help with lowering your monthly interest expense.

0% on purchases credit cards

Balance Transfer Credit Cards

Secured Home Equity Loan or Home Equity Line of Credit (HELOC)

A home equity loan or home equity line of credit (HELOC) provides an excellent way to consolidate debt even with bad to fair credit score. The home equity provider we have listed has consolidated over 1,500 companies to give you the greatest chance to qualify for a loan.  When you have good credit and the bank looks to provide a home equity loan or HELOC, they will normally finance the property up to 80-90% of the loan to value. The loan to value is the difference between the size of the mortgage and what you will get if you sold the property. With bad or fair credit, the loan to value may drop to as low as 60 to 70% and the interest rates may be higher. This will mean that the amount they are willing to lend will be lower.

Reverse Mortgage Options

Best Secured Bad Credit Loan Options

Most lenders are looking to provide loans to people with security. The lenders want their money to be protected with assets as collateral. If you do try to apply for a loan with bad credit, having security can go a long way. Security refers to the equity in your home, refinancing your vehicle or finding a co-signer. The lender will place a lien against your asset to secure the loan. Even when you are using security, it can be difficult getting a secured loan. Lenders still check your payment history as they do not want to risk having to repossess your assets. If you are planning on using security to secure your loan, you are risking the possibility of losing your assets if you default on the loan payment.

America Loan Service was contacted by Danika looking for a debt consolidation loan with a 518 credit score

Equifax Score: 518
Transunion Score: 506
Experian Score: 533

Original inquiry for a debt consolidation loan from Danika

Illinois says greetings via me, Danika of Okawville in Washington County. I'm looking for a debt consolidation loan with poor credit. Please let me know what my options may be?

Thanks, Danika.

Client Details: Danika
  • Client name: Danika Wershey
  • County: Washington
  • Home State: Illinois
  • Current zip code: 62280
  • Current income: undisclosed
  • Credit Card Debt: $0 on their Baltimore Orioles® BankAmericard Cash Rewards™ MasterCard®

We have recommended Danika contact Novita and improve her credit score. Borrowing with poor credit is so difficult. 

Past Applications

Application from: Raj

City: Brandenburg
State: Kentucky
Credit Rating (FICO): 675
Profession: insurance appraiser
Amount Requested: $124000
Age: 31
Current Debt: 1,000
Yearly Income: 57,000
Zip Code: 40108


were getting divorced and I need a loan to clear off all debt between us. We reside in Brandenburg Kentucky so help us out about the best loan provider for our state.

Reply to: Raj

Application from: Suzy

City: Poulsbo
State: Washington
Credit Rating (FICO): 485
Profession: sales representative
Amount Requested: $30000
Age: 18
Current Debt: 31,000
Yearly Income: 97,000
Zip Code: 98370


I am a student and would like to re-finance my loans. I need direction. I am employed but not in my field. do you have advise for me?

Reply to: Suzy

Application from: Stevi

City: Owego
State: New York
Credit Rating (FICO): 789
Profession: library science professor
Amount Requested: $20000
Age: 25
Current Debt: 10,000
Yearly Income: 62,000
Zip Code: 13827


Hi , I am Stevi and my partner and I want $20000 to pay off past due rent payments. my credit score is 789 - an excellent score , I think

Reply to: Stevi

Application from: Brandy W

City: Gresham
State: OR
Credit Rating (FICO): 631
Profession: auto technician
Amount Requested: $8000.00
Age: 39
Current Debt: credit card and loan debt
Yearly Income: 33000
Zip Code: 97030


with this loan of $8000 I can pay off all debts and easily manage a single payment

We will forward this on for you, good Luck. We have a very good lender that fits the amount of capital you require. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team

Reply to: Brandy W

Application from: Howie

City: Hato Rey
State: Puerto Rico
Credit Rating (FICO): 473
Profession: pathologist
Amount Requested: $56000
Age: 45
Current Debt: 50,000
Yearly Income: 10,000
Zip Code: 919


i have a home in Hato Rey Puerto Rico. I make $2700.00 a month. I want a debt consolidation loan of $22500.00 I have good credit - probably 579. can you know a lender who be able to give a loan. I don't have many loans to pay.

Reply to: Howie

Application from: Rebecca D*

City: Delaware
State: Ohio
Credit Rating (FICO): 533
Profession: Medical Assistant
Amount Requested: $8000
Age: Age not given
Current Debt:
Yearly Income: 30000.00
Zip Code: 43015

Message:Here are a few options for you. With your credit rating at 533, you have limited options The option that we can recommend for the amount you require and is They offer loans from $500.00 to $5,000.00 and the interest rate will be expensive. The approval rating that we have seen so far is very low. offers loans from $1,000 - $35,000.00 with interests rates starting at 5.99% to 35.99% Minimum credit score of 580 We can also recommend one company that offers debt settlement services called national debt relief if you have debt to clear up over $10,000.00 America Loan Service is not a lender, we recommend lenders and financial services.

Reply to: Rebecca D*

Application from: Nicholas*

State: TX
Credit Rating (FICO): 518
Profession: ELEVATORS
Amount Requested: $8500
Age: 34
Current Debt:
Yearly Income: 76000
Zip Code: 77591

Message:ITS A MATTER OF SPREADING WHAT WE HAVE REAL THIN. WE DID DEBT CONSOLIDATION ON OUR ITEMS, PAYING INTO THAT , BUT WITHOUT WIFE'S INCOME ITS A MATTER OF PAYING SOME STUFF OFF AND MAINTAINING FROM THERE. >Hi Nicholas, We understand the pain of job loss in the oil patch. Have many friends out of work throughout USA and Canada. Here are a few options for you. With your credit rating at 518, you have limited options. Online lenders will not consider your application under 580. will look at your application, but their rates will be higher than credit cards. The option that we can recommend for the amount you require and is They offer loans from $500.00 to $5,000.00 and the interest rate will be expensive. The approval rating that we have seen so far is very low. offers loans from $1,000 - $35,000.00 with interests rates starting at 5.99% to 35.99% Minimum credit score of 580 We can also recommend one company that offers debt settlement services called national debt relief if you have debt to clear up over $10,000.00 You did not mention your debt, but this may be an option if you need it. If you have security, we would recommend a local credit union and get a secured loan. We feel this would be your best option. We hope you and your family get back on track. America Loan Service is not a lender, we recommend lenders and financial services. Good luck, Gerald Proctor America loan Service Mountain View, California 94040

Reply to: Nicholas*

Application from: John*

City: Hinton
State: OK
Credit Rating (FICO): 533
Profession: Construction worker
Amount Requested: $1000
Age: 29
Current Debt: Child support
Yearly Income: 40000
Zip Code: 73047

Message:I will need a loan please help Dear John, Try this link

Bad Credit Unsecured Personal Loan from $500 to $5,000

Any Credit Score Can Apply

Reply to: John*

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