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Debt Consolidation Loans

Consolidate your debt1 and take control.

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This won’t affect your credit score.

Pay off multiple debts with one new loan.

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

So, how does debt consolidation work?

Let’s say you have $10,000 in debt from credit cards and medical bills. If you take out a debt consolidation loan for that amount, you could combine all those balances into one loan. This way you won’t have to juggle multiple bills all month long. One personal loan, one monthly payment amount, one monthly due date.

What kind of debts can you consolidate?2

Common forms of debt you can consolidate include credit cards, household bills and personal loans. You may have also heard debt consolidation called other terms like credit card consolidation or bill consolidation. But they all do the same thing: replace multiple debts with one new loan.

Why should I consolidate my debt with OneMain?

At OneMain, we understand each customer is unique. There is 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.

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

Advantages 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.3

“I was approved for enough to consolidate some higher interest debt into a manageable payment. This will give me the breathing room I need. I was able to bring my documentation in on my lunch hour and close the loan. They printed and mailed the pay-off checks immediately. What a relief.”3

— Howard H., 6/12/18

“Working with my local branch I gave them my ‘wish list” of debt consolidation items and credit issues that I needed to get taken care of to increase my credit score and reduce my monthly financial debt. I did not want a long loan or to have to pay a lot in interest. Not only did they get me my ’wish list” they were able to offer me a reduced length payment plan that took off 1/3 of the interest. Fabulous customer service, quick response, understanding and very friendly. I know I can count on One Main Financial for my future. Thank you!!!”3

— Kristen C., 6/12/18

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