District of Columbia (DC) or Washington DC is the capital of the USA where people use credit card loans to fulfill their requirements. According to the 2021 report, $ 8586 is the average debt amount of every American family. American family uses debt settlement or relief programs but only some companies or loan lenders do not provide settlement or relief programs. Many Debt Consolidation Loan Lenders in District of Columbia provide debt loans at lower interest rates, lower monthly installments, term time to repay, no hidden or organization fees charged, and all these offers are based on your good credit score.
These Loan lenders consolidate all types of debt loans such as personal loans, mortgage loans, vehicle loans, home improvement loans, and auto financing loans, and convert them into debt consolidation loans with a single interest rate. A single loan can be easy to pay but if you have many loans on a credit card then it is hard to pay. So, you can take debt consolidation loans from Banks, Loan Lenders, Private Firms, Companies, etc. but make sure your credit card score is good.
Best Debt Consolidation Loan Lenders in the District of Columbia
In the District of Columbia or Washington DC, Many Loan lenders provide debt consolidation loans online through their website. These loan lenders check your credit card score and after that consolidate your all loans into one and fix the interest rate for a debt consolidation loan and it helps you get off debt sooner.
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1. Money Fit by DRS
If you apply for debt consolidation loans from this company, it will help you to pay a lower monthly payment, lower interest rates, term time to repay the loan, and no extra orientation or late fees charged by the company. If you fail to repay the loan after the term time then the company will use collateral to recover its loan.
Money Fit is a nonprofit organization that provides all types of loans such as credit card loans, personal loans, home improvement loans, payday loans, etc. Organizations approve your loan based on your good credit card score. It is one of the best debt consolidation loan lenders in District of Columbia that provides unsecured debt consolidation loans and takes collateral as a security.
Headquarters: Bohemia, New York
Contact: 1-800-432-0310 (HQ)
Discover Company was established in 1985, in Utah, USA, and provides debt consolidation loans for those who want small amounts of loans. For debt consolidation loans, the company checks your credit score, and if it is up to 660 then you get a loan of $ 40,000 in loan amounts for 3-7 years term time, a lower interest rate, and lower monthly installment.
It is one of the best debt consolidation loan lenders in District of Columbia company that converts other loans such as vehicle loans, personal loans, etc. into one single loan. You can easily apply for a debt consolidation loan but make sure your credit card score is good. The company will charge late fees if you fail to repay your loan after the term time.
Headquarters: Salt Lake, Utah
Contact: 1-800-347-2683 (HQ)
3. US Bank
In 1863, US Bank was established in Minnesota, USA, and provides services in different states of the USA such as Washington DC, Kansas, Kansas City (MO), New Jersey, etc. through their online website. It is one of the top debt consolidation loan lenders in District of Columbia that offers many loan services such as credit card loans, student loans, retirement loans, personal loans, etc.
You can convert the above loans into one debt consolidation loan If you are paying individual loans at individual interest rates. Through a debt consolidation loan, you will get a lower interest rate on debt and pay small monthly installments but for this loan, your credit card score is up to 600 and after that, you will receive up to $ 50,000 loan amount.
Headquarters: Minneapolis, Minnesota
Contact: 1-503-401-9991 (HQ)
4. Debt Reduction Services (DRS)
In 1996, Joseph T. Cestaro and Thomas Drechsler established the Debt Reduction Services Organization in Boise, Idaho. It is a non-profit counseling organization that consolidates your all debt into a single debt consolidation loan. In a Debt Consolidation Loan, the company reduces the 75% interest rate, small monthly installment, and no extra organization or hidden fees charged by the company.
DRS is one of the best debt consolidation loan lenders in District of Columbia. you can negotiate on interest rates and can convert your old debt such as vehicle loans, personal loans, home improvement loans, medical loans, etc. into one loan but make sure your credit card score is good or enough for this debt consolidation loan service.
Headquarters: Boise, Idaho
Contact: 1-866-688-3328 (HQ)
5. Capital One
Capital One is an American Bank holding company specializing in credit card loans, personal loans, auto financing loans, home improvement loans, student loans, etc. It was established by Richard Fairbank and Nigel Morris in 1994. This company serves its services in all United States areas, Canada, and the United Kingdom through its online website.
Capital One offers Debt Consolidation Loans when you have multiple loans and consolidate your all monthly payments into one payment installment. Maintaining all debts with a lower interest rate is a popular option. This company consolidates student and credit card loans on your good credit card score and gets 2-4 years of term time to repay your loan.
Headquarters: Virginia, USA
Contact: 1-877-383-4802 (HQ)
6. Chase Bank
J. P. Morgan Chase Bank was established in 1955, in the USA. It is an American National Bank that has 2.5 lakh employees, 4,500 branches, and 17,000 ATMs in 100 countries. This Bank provides many loans such as credit card loans, debt consolidation loans, auto financing loans, mortgage loans, home loans, investment loans, commercial loans, student loans, etc.
In Debt Consolidation Loans, your credit card score will be up to 620, get a lower interest rate, and up to a $ 50,000 loan amount for a term time. This debt consolidation loan is an unsecured loan which means if you fail to repay the loan then the company will recover its money through collateral.
Headquarters: New York, USA
Contact: 1-800-935-9935 (HQ)
7. American Express
American Express is one of the debt consolidation loan lenders in District of Columbia bank holding company. American Express was established in 1850 by William Fargo, Henry Wells, and John Butterfield. This company opened its office in 2001, in Washington, DC, and offers medical loans, personal loans, travel loans, insurance loans, business loans, etc.
American Express follows some steps to approve debt consolidation loans such as your credit score, the number of debts you have taken, your budget, etc. After that, you will get a debt consolidation loan at a lower interest rate, 2-4 years of term time of loan amount, and lower monthly installment of the loan.
Headquarters: New York, USA
Contact: 1-800-419-2122 (HQ)
8. Citi Bank
Citi Bank is a subsidiary of Citi Group and it was founded in 1812 by Samuel Osgood. It is the first national bank in New York, USA. Citi Bank provides its services in almost all areas of the USA. Citi Bank offers personal loans, small business loans, credit card loans, mortgages, and home equity loans all over the USA through its online website.
Debt Consolidation Loans are very popular loan services provided by the Bank because Every American family has 2-3 loans and they try to consolidate debt into one monthly installment. Bank offers a lower interest rate, one single payment, loan amount for a term time. Approximately 580-650 credit score for applying for a debt consolidation loan.
Headquarters: New York, USA
Contact: 1-860-210-2484 (HQ)
9. Wells Fargo
Wells Fargo company is a subsidiary of Wells Fargo Bank, It is considered in Four big banks such as Citi Bank, Bank of America, and Chase Bank. It serves its services in 35 countries including the USA. In the USA, Wells Fargo has many branches in different locations such as Washington, New York, San Francisco, New Jersey, etc. William Fargo was the founder of this company and founded in New York.
Wells Fargo offers many loans such as personal loans, investment loans, and small businesses, and converts your all debts into debt consolidation loans. In Debt Consolidation Loans, they charge a lower interest rate, 660 credit card score, up to $ 50,000 loan amount, 12 to 84 months term time, and no orientation or hidden charges are considered.
Headquarters: San Francisco, California
Contact: 1-800-869-3557 (HQ)
10. Bank of America
Bank of America is a public loan lender that provides debt consolidation loans through their branches all over the USA. It is the 2nd largest investment and financial bank after the J.P. Morgan Chase Bank. Amadeo Pietro Giannini founded Bank of America in 1904, in San Francisco, California. It was formally known as the Bank of Italy.
Bank of America provides home loans, credit card loans, auto loans, investment and business loans, etc. For Debt Consolidation Loans, your credit card score must be above 300 and a maximum of 750, and get a low loan amount such as $ 25,000, 12-72 months term time to clear your debt consolidation loan.
Headquarters: San Francisco, California
Contact: 800-432-1000 (HQ)
11. Synchrony Financial (GE Capital Retail Bank)
Synchrony Financial services company was established in 2003, in Stamford, Connecticut, USA. It is a public-private loan lender company that provides credit card loans, personal loans, investment loans, home loans, auto loans, student loans, and small business loans. In Debt Consolidation Loans, the company offers 3 ranges of credit card scores: Fair (640-699), Good (700-749), or Excellent (750-850).
Based on your credit score, the company will offer a loan amount for a fixed term time. It is an unsecured loan which means if you fail to repay the loan then the company will use collateral and recover its loan. No orientation or hidden fees are charged by the company. If you can not pay the loan after term, the company charges late fees in some conditions.
Headquarters: Stamford, Connecticut
Contact: 800-859-9975 (HQ)
USAA (United Services Automobile Association) is an American financial services company providing banking and insurance loans to military members, veterans, and their families. USAA offers $ 2000 to $ 20,000 unsecured loan amount in debt consolidation loan for 12-84 months.
In the Debt Consolidation Loans service, the company consolidates your all debts into one single monthly payment with a fixed interest rate and it helps you get off the debts sooner. Your credit card score must be above 640 after that you are eligible for applying debt consolidation loan from this company.
Headquarters: San Antonio, Texas
Contact: 800-531-8722 (HQ)
13. OneMain Financial
OneMain Financial is an American financial services holding company and subsidiary of OneMain Finance Corporation. It was established in 1912 by Alexander E. Duncan in Maryland. It is formally known as CitiFinancial and Now, OneMain Financial has 1400 corporate offices in 44 countries and provides banking services. This company provides services all over the USA.
OneMain Financial offers debt consolidation loan service, which will help you to manage your financial debt into one debt, lower your credit card score, and lower interest rates on debt consolidation loans. This company consolidates your all debts including personal loans, student loans, auto loans, financing loans, etc.
Headquarters: Evansville, Indiana
Contact: 800-290-7002 (HQ)
14. DC Credit Union
DC Credit Union was founded in 1950, in Washington DC, USA, and serves services for District government employees. DC Credit Union offers small business loans, personal loans, home loans, auto loans, credit card loans, student loans, etc. APR is different for all these loans and credit card scores.
For Debt Consolidation Loans, your credit card score at least 750 if your credit card score is below 550 then you can not consolidate your all debts. DC Credit Union offers small loan amounts for debt consolidation loans such as $ 1000 for 60 day term time and for this loan, your APR is equal to 7.99%.
Headquarters: Washington, USA
Contact: 877-784-5551 (HQ)
15. DC Loans
DC Loans is a division of The Lending Team Corp. that consolidates your loans into debt consolidation loans. DC loans consider your all debt loans such as personal loans, mortgage loans, student loans, etc. After evaluating all debt and its interest, the company offers you a low-interest rate on debt consolidation loans that help you to pay single payment installments instead of multiple payments.
In Debt Consolidation Loans, you can have up to $ 2,50,000 in unsecured loan amount on a 2.49% interest rate, a low credit score, term time to repay your loan, and fast funding from the company. No extra or hidden charges are charged by the company. If you have a bad credit score then you can also apply for debt consolidation loans.
Headquarters: California, USA
Contact: 1-888-878-3295 (HQ)
16. Pacific Debt Relief
Pacific Debt Relief was founded by Kavin Landie in 2002, in California. It is one of the best debt consolidation loan lenders in District of Columbia that provides services in Washington areas and other areas such as San Diago, Arizona, Florida, New Mexico, etc. This company provides debt consolidation loans through their website after verification of your all documents.
In DC, every family has approximately 3 debts such as credit card loans, mortgage loans, and student loans. To overcome these loan debts the company offers debt consolidation loans that help you get off the debt sooner. Low-interest rate, medium loan amount for a term time can be approved easily based on credit card score.
Headquarters: San Diago, California
Contact: 833-865-2028 (HQ)
17. Freedom FCU
Freedom Federal Credit Union (FCU) has been providing its services since 1953. This Union provides credit card loans, debt consolidation loans, home loans, vehicle loans, student loans, etc. If you have more debts then you can convert them into one debt. Freedom FCU offers approximately 5% APR, 60 months of term time, lower monthly payment, low credit card score.
Freedom FCU offers debt consolidation loan plans based on APR. If your APR is high then your term time is approximately 3 months and APR is low then you will get up to 60 months to repay your loan. No annual, application and repaying plenty of fees are not considered.
Headquarters: Bel Air, Maryland
Contact: 800-440-4120 (HQ)
United States Senates Federal Credit Union (USS-FCU) was founded in 1935, in Washington, DC. USS-FCU provides credit card loans, personal loans, auto loans, student loans, refinancing loans, small or long-term business loans, etc. If you want to convert loans into one loan then USS-FCU provides debt consolidation loans.
A debt consolidation loan is a strategy in which you have to pay one debt at a fixed interest rate for a term time. This loan is unsecured and you have to repay this loan on time otherwise, the company will charge late fees from you. If you fail to repay debt consolidation loans then you can consider a debt settlement option via court.
Headquarters: Washington DC, USA
Contact: 800-374-2758 (HQ)
EP-FCU was established in 1935, in Washington, DC by 10 employees who were the members of the Bureau of Engraving and Printing. EP-FCU provides credit card loans, home equity loans, vehicle loans, mortgage loans, business loans, student loans, personal loans, etc. It is a non-profit financial organization which means it offers low interest rate-based loans.
In Debt Consolidation Loans, many plans are considered you can borrow money up to $ 2,50,000 for 10-15 years of term time, with a lower APR rate, and interest rate, you can choose your debt consolidation loan plan according to your requirements and can consolidate your all debt into one plan.
Headquarters: Washington DC, USA
Contact: 202-318-1991 (HQ)
Avant or AvantCredit was established in 2012. It is an online lending platform that provides all types of loans based on your credit score and documents. AL Goldstein is the CEO and Co-founder of this company. Avant provides home improvement loans, debt consolidation loans, investment loans, personal loans, etc.
For Debt Consolidation Loans, your credit card score is at least 560+, up to a $ 35,000 loan amount for 12-60 months, but make sure your APR is between 9-35%. If you fail to repay the loan amount on time then the company will give you 10 days but after 10 days they will charge $ 25 per day.
Headquarters: Chicago, USA
Contact: 800-712-5407 (HQ)
Washington, DC is the capital of the USA. So, here living and study costs are very high. The average American family has 2-3 credit or mortgage loans. People pay 2-3 installments but they convert their loans into debt consolidation loans. We have shared the top 20 companies that provide debt consolidation loans based on your credit card or APR score. You can negotiate with these companies for interest rates and term time and get a debt consolidation loan amount according to your requirements.