Rates Are Still Low So Refinance & Consolidate Your Debt Now!

Refinancing to Lock in a Lower Mortgage Rate Rates. As of this posting, the national average interest rate is at 4.15%. While that number is higher than it has been in the recent past, rates are still much lower than the average 6% rate you would have secured before the 2008 recession or the 10% average rate you would have had to pay in the 1980s.

Borrowers report saving more than a thousand dollars over the course of their loan through LendingClub when they use it to consolidate debt or pay off credit cards. * Personal loans through LendingClub have fixed rates and terms, so your monthly payment never changes, and you can mark the date when you will be debt free.

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Debt consolidation and debt refinancing are the two major ways that people deal with their debts (past simply repaying them, of course). For many people, the ideal outcomes for consolidation and refinancing are the same: better interest rates, lower payments and more favorable terms for their debt overall.

Debt Consolidation Loans: Estimated offers for $10,000. Personal loans for debt consolidation. debt consolidation loans allow borrowers to roll multiple debts into a single new one with fixed monthly payments and, ideally, a lower interest rate. compare loans for debt consolidation and learn about your options for consolidating debt.

If so, now may be the ideal time to lock in a low fixed rate by refinancing your home mortgage. A refinance mortgage that can lower your interest rate often equals big savings for homeowner as long as they plan on staying in the home for a number of years.

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Keep in mind that when you consolidate debt, there are two factors that reduce your payment – a lower interest rate, and a longer term. Most refinance loans have 15 or 30-year terms, while home.

So using your equity to pay off debt may appear attractive, but it could actually increase your loan-to-value and your rate, and decrease the attractiveness. That’s a hard calculation for a consumer to do on their own." In certain cases, Smith said the benefits of using a cash-out refinance for debt consolidation are clear.