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Delaware Itemization Charges

Bi-Weekly Signature Installment Loans Consumer Phamplet $500-$750
Monthly Signature Installment Loans Consumer Phamplet $500-$1,000

Consolidate Your Debt with a Personal Loan Approval

March 13, 2019 | By Louis Tully

It’s a fact of life that most of us could use some relief from credit card debt. Between their high interest rates, annual fees, and minimal monthly payments that suddenly don’t feel so minimal anymore, it’s no wonder how so many end up trapped under the weight of these tiny plastic cards. So, why are we so addicted? Two words: instant gratification. But now that the struggle from credit card abuse has gotten all too real, it’s time to get out.

Further reading: 10 Signs That You May Have a Credit Card Addiction

At the risk of sounding crazy, why not consider how a personal loan could help better your situation?

How a Personal Loan Could Help You Consolidate Your Debt

Consider the following personal loan benefits.

  • Low rates: Compared to credit cards, personal loans come with much lower rates. By using a personal loan to pay your credit card debt, you could save a small fortune in interest alone.
  • Flexible payment periods: While credit card companies give you unlimited time to pay off the balance on your cards, they’re also charging you a lot of interest during that time. In other words, the longer it takes you to pay off your debt, the more interest you’ll end up paying. But with personal loans, the interest you‘d be paying is already calculated because there is a set time you’ll have to pay off the loan. Even so, the repayment period is flexible enough to make the payments relatively easy to manage.
  • Fast approval: Believe it or not, personal loans do not require a long, drawn out process to reach approval status. Most lenders will only need to check a few things like your income, credit, and your reason for obtaining a loan in order to make a decision. Once approved, you’ll be delivered the loan amount in one lump sum within 24 hours (in most cases).
  • It’s easier to pay one bill than several: This part’s a no-brainer. Why juggle six bills when you could simply have one? It’s much easier to stay on top of your payments when you only have one bill to manage. This and the fact that you’ll be paying less interest makes paying off your debt a walk in the park!

How Do I Get a Personal Loan?

Shop Around

It’s important to get the amount you need with a rate that you can afford, but not every bank is going to offer you the same loan. So, what do you do? You break out your laptop and shop it around online! Visit sites like or to find all the best rates fast in the comfort of your own living room!

Also, it never hurts to put in the extra effort and take a look around at some banks and credit unions in your area, too. Remember, you’re not shopping for a $30 ottoman at Ross. You’re shopping for a loan, and that may take a lot longer to pay off. And since saving money is the name of the game, you’ll want to ensure you’re getting the absolute best offer to make this venture worth your while.

Preparing for Approval

Before you can be approved for a loan, you’ll need to come prepared. Here’s how:

  • Know your numbers: Before going after your loan, there are two numbers you need to keep in mind: the amount you want to be approved for and your credit score. If your credit score isn’t up to par, there are other lenders in your area who could help.
  • Gather your documents: Before you can be considered for a loan, you’re going to need a few things to show the lender: a copy of your credit report, proof of income, your photo I.D., and your social security card. But to be sure you have everything, it’s smart to call ahead of time to see if there’s anything else you’ll need to provide.
  • Look sharp: Appearance can go a long way. People are generally happier to work with you when you look the part. So, wash your face, brush your hair, and wear something ‘office appropriate’. It may not help you get approved, but it certainly can’t hurt.
  • Meet with your lender: Now that it’s time, make sure you’re at the lender’s office on time. Don’t procrastinate just because their office is around the corner from your house. And if the commute is a little farther, be sure to give yourself plenty of time to get there and even show up a little early if need be. Besides, being somewhere on time is just common courtesy.
  • Be prepared to say “no”: This is the hard part. If you are approved for a loan, don’t take it right to the bank. Go ahead and thank the lender for their time, then proceed to check with other lenders. You can still keep their offer in your back pocket for a time and come back to it if you choose. Doing it this way will help ensure you’re getting the best offer available. It may drag the process out that much longer, but it’ll be worth it in the end.

Life After Debt

So, you took out a personal loan, paid off your credit cards and were finally able to pay off the loan a few years later; leaving you debt free at last! Not only was it easy, but you saved a ton of money too! Now, the million-dollar question is…. Would you do it all again? What I mean by that is, would you ever consider taking out another credit card? I’ll bet not, at least not for a while. But know this; now that you’re debt-free, the credit card offers are going to come flying your way from every corner.

With that said, remind yourself of the risks that come with being a cardholder. Of course, they do come with some benefits attached, but it’s wise to play your cards differently this time to avoid the same old scenario. If you want some advice, don’t do it. If you can’t pay cash for something, charging it isn’t going to make things better. Stick with actual money and you’ll stay debt free for years to come!