Debt Consolidation

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Debt Consolidation

Debt consolidation is a process of debt refinancing, in which all your bills are merged into one single debt that is paid back through a loan or even by a management program. It comes with a lower interest rate and reduces your total debt in a way that you can pay it off faster. This process is carried on by the debt consolidating companies.

Criteria for Debt Consolidation

Debt consolidation is a financial strategy that can work well for you only when you fulfill some of the criteria, such as:

  • If your credit score is good enough to qualify for a debt consolidation loan at a lower interest rate or to get a 0% credit card.
  • When you have a plan of not getting any other debt.
  • If you are tired of looking at your cash flowing towards repayment of the loan and want to cut down your current interest rates.
  • Most importantly, when your debts are less than half of your total income.
Debt Consolidation
Disadvantages of Debt Consolidation

Debt consolidation can also be a bad idea when you look into some of the below facts of it:

  • Debt consolidation does not guarantee you with lower interest rates.
  • When you get to pay lower interest rates, your term for the loan repayment is increased. It is never a quick solution.
  • Debt consolidation does not mean that your debts are eliminated.
  • It is not a good idea when you owe a huge number of loans.
  • On missing any payment to the debt consolidating companies, they may revoke all concessions made to you.

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Applying Does NOT Affect Your Credit Score

We are registered with Utah's Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day which is usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Thursday: 7:00 AM to 4:30 PM (CST) or email to

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