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HomeBlog Debt ConsolidationSaving With Low APR Debt Consolidation Loans
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Saving With Low APR Debt Consolidation Loans

February 18, 2012 by National Debt Relief

Do you feel as if you were drowning in debt? Does it seem like at the rate you’re paying off your debt that you will never see light at the end of the tunnel? If so, you’re not alone. There are huge numbers of people worldwide who are feeling the same stresses as you are because of their debt. Luckily, debt consolidation loans could be the answer.

Debt consolidation loans

Even if you’re not having a great degree of trouble meeting your obligations, a low APR debt consolidation loan can help free up more money monthly so that you would be able to live better. If you opt for a low APR debt consolidation loan, you’ll be making just one payment a month instead of the five, ten or even more you may be making now. You will no longer have credit card companies or loan companies calling to harass you. You won’t need to remember which payments you have to make on which days of the month. And your monthly payment will most likely be lower than the sum of the payments you’re making now. In other words, more of your hard earned money will stay in your wallet every month–exactly where it is supposed to be–instead of going to all of your creditors.

Eliminate the stress

Regardless of why you might want to get a low APR debt consolidation financial loan, it can be a good idea. This is because it will not just lower your monthly obligations but will also eliminate a lot of the frustration that comes with having to pay all those different bills. As noted above, if you get one of these loans you will have to make just one payment to one loan provider every month. You won’t have to keep an eye on how much debt you owe to each creditor, when each statement will arrive and who has been or not been paid. You just make one monthly payment and you are set. It’s that easy.

Where to find low APR debt consolidation loans

Most of the large banks offer low APR debt consolidation loans. However, be aware that their rates may be on the high side. Also, a bank may have a difficult and complex application process and could be very selective in terms of people to whom it will loan money. These debt consolidation loans are usually unsecured loans meaning that you don’t have to pledge an asset such as your house to get one. This requires banks to take a higher degree of risk, which is why they tend to be very cautious.

I have found that the best way to find a low APR consolidation financial loan is by using the Internet.

If you use your Internet browser to search on loan companies, you’ll find a number of them that are ready and willing to loan you money. Most have online application forms that you can fill out and get the process going so you could get your loan very quickly.

Just imagine, with so many online loan companies offering low APR debt consolidation financial loans, you should be able to get one with good terms and a low interest rate – allowing you to lower your monthly obligations and be debt free fairly quickly. However, there is one thing to keep in mind and that is the fact it will probably take you longer to pay off the loan. If you work hard, you could probably pay off all your credit cards in two to three years. However, if you consolidate all that debt into one loan, it may take five or even seven years to pay it off.

Do you qualify for debt consolidation?

National Debt Relief
National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

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By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
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Easy National Debt Relief Caller: April Transcribed WE 1/17/2021 April: Our call may get recorded. What financial concerns had led you to seek out National Debt Relief's services? RILEY: I guess just not being able to pay my debt. April: What had you choose National Debt Relief over other companies that provide the same service? RILEY: Really just researching online. Everything that I had read about them seemed pretty positive. April: What service or program did National Debt Relief help you to get through? Like a payment or consolidation program, anything like that? RILEY: I just do bi-monthly payment to them, and then they reach out to my debt account, I guess, that negotiated everything for me. So, it’s pretty easy. April: Can you walk me through the process of what you went through to enroll for the services? RILEY: God, it's been like two years, so I kinda don't really remember. I just had to fill out some stuff online and then talk to them on the phone. I had to give them all my account information and everything. And then they worked out a payment plan for me. And they communicate with me like once a month with my statement. And whenever they have communication with my accounts, they have called me and had me verify before they've done anything and whatnot. April: That sounds like a really good service there. RILEY: Yeah. April: At this point, are you still in the program or have you completed it at this point? RILEY: I'm almost done. It was, I think, a two-year plan. So, yeah, I think I just have one other account that I'm paying on. April: How about any interactions with the negotiators? You said they will call you at any time that there was maybe an account activity that they want to confirm with you first. RILEY: Uh-huh [yes]. April: So, how is the interaction with them when they reach out to you and you're able to discuss with them? How is that interaction? RILEY: It's been super easy and positive for me and relieves a lot of stress and anxiety. So, yeah, it’s been very easy. April: And then how has National Debt Relief been able to work with you in terms of your payment plan? RILEY: I basically just told them what I could afford, and they figured it out. And they have offered COVID relief if I need to stop payment for the time being or whatever. Fortunately, I haven't had to do that. So, I don't really know how that would have worked, but that was an option. But they're always like, “Call us if you can't make payment, and we'll figure something out for you.” April: What are your thoughts about the cost in relation to the quality of the service you received? RILEY: I'm really happy with the program. [unclear 0:04:22] as far as I know. I don't have any complaints. April: Has working with National Debt Relief impacted your life? RILEY: Yeah. April: How would you say that it's impacted your life at this point? RILEY: It just has relieved a ton of pressure and stress, financial stress, anxiety. I'm not living paycheck to paycheck now to pay my interest, so that’s been nice. April: Have you had other experiences to National Debt Relief that perhaps you want to share with us in regards to your experience with them? RILEY: No. I think that’s it. April: On a scale of 1 to 5, where would you rate National Debt Relief, if 5 stars is that you recommend to your friends and 1 star is you're very dissatisfied? RILEY: I would say 5. April: In a few words, how would you summarize overall the National Debt Relief in your experience with them? RILEY: Just easy and stress-free. April: Would it be okay for us to also utilize your commentary as a review that we can publish for National Debt Relief? And that would go to public webpage here, but that's to help other consumers make good choices if they're also in the same market. RILEY: I guess. Would it have my first and last name? I don’t— April: Only the first name. And if that's an issue, we do the first letter. RILEY: [unclear 0:06:03] you want my full name. April: Not at all. So, we only do the first name as an option. We can also do the first letter. So, it's really up to you on which option you prefer. But just the first name. We don't do last name. We don't post anything personal like your phone number. RILEY: Yeah. I think you can use my first name. April: I do offer a link that we can also send you with a direct link to your review. So, once it's published, you also get to see directly. Is that something you would like to have sent to your email? RILEY: No.

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Riley Barker
ConsumerAffairs Reviews

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