Take control of your debt.

A debt consolidation loan can simplify your finances and lower your interest rate.
  • Erase $25,000+ in credit card debt
  • Loans up to $150K. Rates from 2-3% APR**
  • Does Not Apply For Car Loans & Student Loans
  • Safe & Secure With No Upfront Fees & No Obligations
  • Checking rates won't hurt your credit score.
Get Pre-Approved In Minutes

How It Works

America's #1 Debt Consolidation Leader.

Since 2020, we've been building the most transparent debt consolidator in the the USA. We have saved 1000's of families from the financial burden of heavy credit card debt.

Step 1

Apply online in minutes

Tell us about yourself and how much unsecured credit card debt you want to erase.

Step 2

We pick the best finincial institution to fit your debt needs.

Compare the lowest rates, favorable terms, and minimum payments in the industry.

Step 3

Get your money

Get all your debt consolidated at 2-3% fixed APR.

Over $500 Million Since 2020
Debt Consolidation Processed

Why consolidate your credit card debt?

What are the benefits?

When you consolidate your debt, you are combining all of your existing unsecured debt into a single installment loan. Remove the headaches of paying multiple cards every month.

Step 1

Only One Payments

Consolidating into one affordable monthly payment.

Step 2

Save Money

A lower fixed-interest rate WILL reduce the total interest you pay while getting you out of debt the fraction of the time.

Step 3

Low Fixed Rate

With an affordable fixed rate, your monthly payment never increases. Talk about simple!

Privacy Comes First

We take your data security very seriously. Rest assured knowing Horizons Lending protects your data with advanced encryption.

Why Horizons Lending

Totally free to apply

Horizons Lending is free to use for anyone with over $25,000 in credit card debt. No hidden fees! No hard credit pulls!

Real-time Quotes

We set you up with our best consolidation partners in minutes.

Won't hurt your credit score

Checking your rates does not affect your credit score at all. No soft or hard credit pulls.

Loans up to $200K

Credit card consolidations ranging from $25,000 to $200,000

Safe & secure & fast

We protect your data with advanced end to end encryption.

Transparent

With Horizons Lending, you can transparently compare your options and choose the best one, without any pressure.

Consolidate & Save

How much can you save?

Consolidating your credit card debt with a personal loan can help you save in the long run. Enter your credit card debt amount and see how much you can save.

Get Pre-Qualified Here

Testimonials

We love saving our clients $1000's in credit card interest.

Here's what our users are saying about our debt consolidation.

I applied and was approved in literally 1 day. Quick, simple and easy. Would recommend to others. - Cathy M.

Horizons Lending helped my wife and I get out of or wedding debt fast. They got me the financing I needed to wipe out my credit card debt. - Jake P.

I really was fast & easy! Horizons Lending is great! - Judith M.

Frequently Asked Questions

Your debt consolidation questions answered.

  • Debt consolidation is the process of combining your existing high-interest debt, like credit cards, into one manageable personal loan with a fixed monthly installment payment. Instead of making multiple payments each month to various creditors, you make just one payment at a lower overall interest rate, which reduces your monthly payment obligation and simplifies your bill-paying process.

  • Each lender has their own set requirements to qualify for a debt consolidation loan. But what they typically look for borrowers who are U.S. citizens or permanent residents that are 18 or older, have a valid Social Security number, have a steady income, and those who have a good credit history.

  • Based on the information you submit via the Horizons Lending site, the lenders in our network will evaluate your request and pre-qualify you for the products or services you’ve requested.
  • After submitting your application, you will get a response quickly - usually within seconds.
  • Horizons Lending's data driven screening allows you to check what rates and terms you prequalify for with leading lenders by completing one short form. There are no strings attached and it won't hurt your credit score.

Get your personalized personal loan rates now.

Checking rates is safe and will not affect your credit score.