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The Quicker Way to

Consolidate Debt

Pay off debt and achieve your financial goals earlier with a Consolidation Plus loan


What Is Consolidation Plus?

Consolidation Plus offers debt consolidation loans of $5,000-$65,000 to eligible borrowers in select debt settlement programs.
How Does Consolidation Plus Work?
With a Consolidation Plus loan, you could pay off all of your enrolled debt and consolidate it into a single payment instead of waiting for your debt settlement program to resolve one debt at a time.
Our Loan Consultants Contact You
If you are eligible for a Consolidation Plus loan,* one of our loan consultants will contact you to explain the program and help you decide if the loan fits your needs. Then, they will invite you to complete an application and send in documents regarding your bank information and income for us to review.
Apply for a Loan
We review your application within 2-4 business days and, if you qualify, extend a loan offer to you.

If your application is approved, you can choose to start your Consolidation Plus program right away. Simply review the details with your loan consultant, sign the agreement, and return it to us. We take care of the rest.
We Use the Loan to Pay Off Your Creditors
Once you sign up for Consolidation Plus, your debt settlement company will use the funds from your loan to speed up your settlements and pay the negotiated amounts upfront.

Instead of waiting for funds to build up in your account, all of your outstanding debts are settled with your creditors in one lump sum.
You Repay the Loan
After your debt has been settled, your debt settlement program is complete and you start repaying your Consolidation Plus loan.
You can manage your Consolidation Plus account on your online Borrower Dashboard. You can pay by check, over the phone, or with ACH automatic payments.
Depending on your loan terms and how much you can pay each month, you could pay off your loan within 24-72 months.
Debt Freedom
Once you have paid off your Consolidation Plus loan, you’ll be free of the debt you enrolled in your debt settlement program.
What’s the Difference Between a Debt Settlement Program and a Consolidation Plus Loan?
If you’re currently enrolled in a debt settlement program, you already know that debt settlement could help you resolve your unsecured debt for significantly less than you owe, in less time than it would take if you simply made minimum monthly payments. While debt settlement could be a good strategy if you’re struggling with heavy debt, it could negatively impact your credit and leave you at risk for legal action with your creditors.
Unlike debt settlement, debt consolidation loans provide you with enough cash to pay off your outstanding debts and roll them into a single account, which could help simplify your payment schedule. Consolidation Plus loans are unique because we provide your debt settlement company with the money you need to resolve your enrolled debt with one lump sum payment—significantly reducing your debt and consolidating it at the same time. Unlike other debt consolidation loans that require you to have a high credit score in order to qualify, Consolidation Plus doesn’t solely base its lending decision on a single credit score.
Like any other loan, Consolidation Plus loans require you to pay back the loan with interest. Consolidation Plus also requires you to pay an origination fee of 5.99% of the loan amount to cover processing costs. There are no penalties for paying ahead of time, and your rate will never increase.
If you’re eligible for a Consolidation Plus loan and have been contacted by a loan consultant, it’s important to understand how Consolidation Plus could be a better alternative than debt settlement.
Collection Calls
While debt settlement programs have helped tens of thousands of people get out of debt, debt settlement could leave you open to collection calls and lawsuits. A loan could end your debt settlement program years in advance, eliminating collection calls.
Settle Your Debt Quicker
Consolidation Plus provides your debt settlement company with funds to settle your debt quicker.
Why Choose Consolidation Plus?
With over $1 billion consolidated since 2011, Consolidation Plus has helped thousands of people reach their goal of overcoming debt.
As a member of Freedom Financial Network, we are committed to helping people overcome debt and start on the path to a brighter financial future. We care about helping clients improve their financial lives and pride ourselves on offering excellent customer service throughout their loan repayment.
If you have been contacted by one of our loan consultants and are interested in learning how Consolidation Plus could help you speed up your debt settlement program and consolidate your enrolled debt, contact us at: [email protected]