First, we offer a free consultation with one of our expert loan consultants to review your financial situation and explore your options, including personal loans and lines of credit for debt consolidation. Then, we help you determine the best solution based on your needs and goals. If our program is the right fit for you, we’ll work together to structure a loan that aligns with your budget and repayment timeline. Many clients find that their new monthly payment is lower than their combined credit card minimums, making it easier to pay off debt faster. Once approved, your funds are deposited quickly—sometimes as soon as 1-2 business days after approval—so you can start moving toward financial freedom with confidence.

No. Checking your rate is considered a 'soft inquiry' and it has no impact on your credit score.

Pathway Lenders provides personal loans for up to $75,000 that can be used to consolidate debt.

Loan qualifications, also known as eligibility requirements, are the criteria lenders use to determine if a borrower is likely to repay a loan. These requirements vary by lender and loan type but generally include factors like credit score, income, debt-to-income ratio, and payment history.

Lenders are required to provide an explanation letter for rejected loan applications. If you're rejected, read through the letter and determine what can be remedied. For example, you can work to improve your credit score or pay down high-interest debts to improve your debt-to-income ratio.

If you are approved for a personal loan, then we could fund the loan in as few as 1-2 business days after approval.

The only fee you would have to pay if you are approved for a loan is an origination fee that is financed into the loan.