Debt Problems

Is there a place to just do a personal loan to consolidate debt? My bills are all current. My credit is good.

I live in Texas. I do not want to do a refinance or a home equity. I cannot seem to find a source to consolidate my debt. I have good credit and i never have had a late payment. Everything i find is for people who have already fell behind. I do not wish to do this. I want to keep my credit good. I need to make one payment and interest per month rather than four. I am now self employed. Any suggestions?

Public Comments

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2. Just go to your bank....if they can't help you they could certainly put you on the right track of someone who can.
3. Try a bank or other reputable financial institution. The bank that has your account, especially now that you are Self employed, may be your best avenue. They (or another bank) may or may not consolidate ALL your current debt, so see if they will pay off the ones with the highest interest rate. And you pay the ones with the highest rate, smallest balance that the bank did not consolidate. You'll find as you pay off one loan, you will have extra money to use on the other loan(s). Good luck!
4. Try www.prosper.com This is the new p2p lending/borrowing without the middle men. (Similar to Zopa in U.K.) This works like ebay. You list a loan for $X (you can borrow up to $25,0000) at r% or less. The lenders would bid for your loan. As a borrower you are the "seller" and the lenders who bid on your loans are the "buyers." Unlike in ebay there will be multiple lenders giving you partial sums. Prosper takes 1% service fee upfront from you and distribute your monthly payments to the lenders. You personally won't have to deal with the lenders and you can remain anonymous. Your chances of getting a better rate on the loan is higher if you have good credit. Propser does the usual credit check when you sign up as a borrower and rates you as AA, A, B, C, D, E, HR(high risk), or NC (no credit).