Consolidation loans
Consolidate credit card balances
into one simple payment.
Replace multiple high-interest credit card balances with a single, predictable monthly payment — often at a lower combined interest rate.
- Best for $5,000 – $100,000 of credit card balances
- Fixed terms from 24 to 60 months
- See your rate in 60 seconds with no credit impact
Checking your rate uses a soft credit pull and will not affect your credit score.
Ready to start?
Check your rate today.
Speak with a US-based specialist to see your personalized rate — no impact to your credit score.
Call (833) 289-0694Mon–Fri 8am–6pm PT
The basics
What is a consolidation loan?
A consolidation loan combines multiple unsecured balances — typically high-interest credit card balances — into a single new loan. Instead of juggling several minimum payments at varying APRs, you make one fixed monthly payment, often at a lower combined rate.
Benefits
How it can help you.
Simpler payments
One due date, one payment, one balance to track. No more juggling cards.
Potential interest savings
Replacing 20–29% credit card APRs with a lower fixed-rate consolidation loan can mean meaningful interest savings over the life of the loan.
A clear payoff date
Unlike revolving credit card minimums, an installment loan has a defined term — so you know exactly when you'll be paid off.
Best fit when
A consolidation loan works for you if:
- You have several credit card balances or other unsecured balances.
- You can qualify for a rate lower than what you're paying today.
- You're committed to not running up new balances on the cards you pay off.
May not be the right fit
It might not be ideal if:
- Your total balance is very small.
- You only have secured loans (like a mortgage or auto loan).
- You're already enrolled in a structured payment program.
A specialist can help you think through the trade-offs — no obligation.
Our process
How we review your application.
When you submit your information, we review it against our lending criteria and show you a clear offer that fits your profile. You'll see your rate, term, monthly payment, and fees up front. There is no obligation to accept, and pre-qualification uses only a soft credit inquiry.
Loan options
Pick the path that fits your goals.
Most popular
Consolidation Loans
Replace multiple high-interest balances with a single fixed monthly payment, often at a lower combined rate.
- ✓ Best for $5K – $100K of credit card balances
- ✓ Fixed terms from 24 to 60 months
- ✓ One payment, one due date
Flexible
Personal Loans
Use a personal loan for almost anything — consolidate, cover a major expense, or smooth out cash flow.
- ✓ Loan amounts from $1,000 – $50,000
- ✓ Soft credit check to pre-qualify
- ✓ Funds as soon as the next business day*
*Funding times depend on verification of your information. Not all applicants will qualify. Loan amounts, rates, terms, and approval depend on your creditworthiness, your state of residence, and applicable law. We currently lend to residents of Texas and Utah.
SSL Secured
256-bit encryption
TCPA Compliant
Express opt-in only
Privacy compliant
CCPA / state privacy laws
What clients say
Real stories from real customers.
“I was juggling six credit cards. One call, one form, and I had a clear plan within a week. My monthly payment dropped by over $400.”
“They explained everything in plain English. No high-pressure sales. I finally feel like I have a clear plan to pay everything off.”
“My rate, term, and monthly payment were spelled out up front. The specialist was patient and answered every question.”
Reviews are representative client experiences. Individual results vary based on creditworthiness, lender, and program selected.
Questions, answered
Frequently asked questions
Will checking my rate hurt my credit score?
No. Pre-qualification uses a soft credit pull and will not affect your credit score. Only if you accept an offer and a lender runs a full application will a hard inquiry be made.
Is Loan Streamline Pro a lender?
Yes. Loan Streamline Pro is a brand of Advantage First Financial LLC (NMLS #2674295), a licensed lender. We originate and fund personal loans directly for residents of Texas and Utah, and we make the credit decision and set your rate and terms.
How quickly can I get my money?
It depends on how quickly you can verify your information. Many personal loans fund within 1–5 business days after your loan is approved and your agreement is signed.
How do you protect my personal information?
Every submission is transmitted over 256-bit SSL encryption. We follow industry best practices and applicable privacy laws, including the California Consumer Privacy Act (CCPA / CPRA) for California residents. See our Privacy Policy for details, including how to request access, deletion, or to opt out of sharing.
What does the SMS opt-in mean?
The SMS checkbox is optional. If you check it, you give explicit consent to receive text messages from Loan Streamline Pro about your inquiry. Message frequency varies; Msg & data rates may apply. Reply HELP for help, STOP to cancel. Consent is not a condition of any purchase or service. See our SMS Terms.
Do you use AI in your communications?
Yes — some communications may be generated using automated technology or AI-assisted systems. A real specialist remains responsible for any binding loan offers or advice.
See your consolidation options
Check your rate in 60 seconds — no impact to your credit score.