Personal loan for debt consolidation

[valkyrie]

Y'all gave great insight into SoFi's checking and savings. My husband and I have decided to open accounts that we plan to eventually use as our primary.

Now my question is about personal loans for credit card debt consolidation.

My husband and I have about 18,000 in credit card debt between two cards that have 17% APR. We have pre-qualified for a SoFi loan at 7.49%. It's a three year term. We currently pay close to what the monthly payments are. (See photo in comments)

I do have one recent credit inquiry and new account on my credit report. I opened a recent credit card in the last few months that is no interest and I have used it exclusively for work travel that is then reimbursed so the card is paid in full. Transferring the balance to this card is not possible because the credit limit is not high enough for it to have a positive impact on my credit score.

So all of that said, have you used a loan for a similar situation? What was your experience?

[artorias]

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[jenniebalerd]

Consolidating credit card debt with a personal loan can be a smart move. If you're pre-qualified for a SoFi loan at 7.49% for a three-year term and it aligns with your current payments, it could save you money in interest. Just ensure the terms fit your budget. I haven't used a loan for this specifically, but many find it beneficial for simplifying payments and reducing interest. By the way, safeguarding a healthy credit history is essential, but I've faced complexities with mine. I stumbled upon this resource https://unchex.com/chexsystems-removal and wonder if services like this are genuinely beneficial. Any experiences to share?

[jenniebalerd]

I hope you will be able to solve your problem :)

[Alveulli]

Hi friends, can anyone recommend a reliable mortgage loan company? Where can I get favorable terms and professional service? Thank you in advance for your experience!

[Rerterom]

Hi. If you are considering mortgage loans, you should consider Mr. Cooper. They provide competitive terms and excellent customer service. Mr. Cooper, as a mortgage leader, offers a variety of products and a personalized approach. Visit https://mr-cooper.pissedconsumer.com/customer-service.html . It is important to determine your needs and clarify loan terms. I received not only favorable interest rates, but also professional handling of issues. However, I also recommend doing your own research and comparing the offers of different companies. Read user reviews to get a better understanding of the different options. Good luck in your search for a mortgage loan!

[Randolph2]

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