Debt consolidation is the process of combining your existing high-interest debt, like credit cards, into one manageable personal loan with a fixed monthly installment payment. Instead of making multiple payments each month to various creditors, you make just one payment at a lower overall interest rate, which reduces your monthly payment obligation and simplifies your bill-paying process.

Each lender has their own set requirements to qualify for a debt consolidation loan. But what they typically look for borrowers who are U.S. citizens or permanent residents that are 18 or older, have a valid Social Security number, have a steady income, and those who have a good credit history.

Based on the information you submit via the Horizons Lending site, the lenders in our network will evaluate your request and pre-qualify you for the products or services you’ve requested.

After submitting your application, you will get a response quickly - usually within seconds.

Horizons Lending's data driven screening allows you to check what rates and terms you prequalify for with leading lenders by completing one short form. There are no strings attached and it won't hurt your credit score.