Where can I get a debt consolidation loan with bad credit?

@margie.johnson Most banks will not lend to individuals with a bad credit score. However, there are specialized lenders out there that provide debt consolidation loans to individuals with bad credit. Examples include Rise Credit, OneMain Financial, Avant, and OppLoans.

@margie.johnson 

It can be challenging to get a debt consolidation loan with bad credit, but it's not impossible. Here are a few options to consider:

1. Credit unions: Credit unions are typically more willing to work with borrowers who have bad credit. They may offer debt consolidation loans with more favorable terms, such as lower interest rates and fees.
2. Online lenders: There are a number of online lenders that specialize in working with borrowers with less-than-perfect credit. These lenders may be able to offer debt consolidation loans, although the terms may not be as favorable as those offered by credit unions or traditional banks.
3. Peer-to-peer lenders: Peer-to-peer (P2P) lending platforms connect borrowers with investors who are willing to lend money. Some P2P lenders may be willing to work with borrowers who have bad credit, although the terms may not be as favorable as those offered by credit unions or traditional banks.
4. Debt management plan: If you're unable to secure a debt consolidation loan, you may want to consider working with a credit counseling agency to develop a debt management plan. A debt management plan involves working with your creditors to negotiate lower interest rates and monthly payments. This can help you pay off your debts faster and may be a good option if you're unable to qualify for a debt consolidation loan.

It's important to carefully consider all of your options before choosing a debt consolidation loan. Be sure to compare the terms and fees of different lenders and choose a loan that is affordable and meets your needs.