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Debt Consolidation Loans

Consolidate your debt1 and take control.

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This won’t affect your credit score.

Simplify your finances with a debt consolidation loan.

Dealing with debt doesn’t have to be complicated. If you want to pay down your loan balances and reduce the stress of multiple bills, a debt consolidation loan could be the answer.

How do debt consolidation loans work?

Debt consolidation is the process of combining multiple debts into one through a personal loan. Let's say you have $6,000 in credit card debt and owe $4,000 in medical bills. With a debt consolidation loan, you could pay off those balances with one $10,000 loan – with just one monthly payment amount and one monthly due date.

A single debt consolidation loan can make your finances easier to manage, saving you from stress and late fees by only having one monthly payment to remember. An added bonus? Your new monthly payment could be lower than your current monthly payments combined, freeing up a little extra money for other needs or future expenses.

What kind of debts can you consolidate?

Common forms of debt you can consolidate include credit cards, household bills and installment loans. Sometimes referred to as credit card consolidation or bill consolidation, a debt consolidation loan can streamline your finances and make budgeting easier with predictable monthly payments.

Get an idea of how much your monthly debt consolidation loan payment might be at different APRs by using our debt consolidation calculator.

Why should I consolidate my debt with OneMain?

At OneMain, we understand each customer is unique. There’s no “one size fits all” when it comes to debt consolidation. We’ll work with you one-on-one to understand your needs and help you decide if a debt consolidation loan is right for you. There are also no surprises. With fixed loan terms, you’ll know exactly what to expect every month.

Today’s the day. See if you prequalify for a OneMain personal loan for debt consolidation.1

Benefits of a OneMain debt consolidation loan.


Several debts rolled into one loan

Dollar Sign

Fixed interest rate


Only one monthly payment to remember

Ready to consolidate your debt?See if you prequalify for a OneMain personal loan now.

Check for Offers

This won’t affect your credit score.

Real debt consolidation stories from OneMain customers.2

“OneMain was so helpful in getting my debt consolidated. It was a painless process that felt like it took no time!!”2

— Brooke B., 3/3/20

“Excellent service. Fast. Easy. OneMain really helps with the simplest requirements. I’d recommend to anyone to consolidate and help rebuild credit.”2

— Cheryl T., 2/25/20

2 These customer testimonials reflect individuals' personal experiences, so you may not have the same results