债务合并
债务合并贷款是债务再融资的一种形式, 这意味着用一笔贷款来偿还一笔或多笔其他贷款. 通过合并你的债务，你可以降低你每月的总还款额. A debt consolidation loan also gives you the flexibility and comfort to determine the length of time to pay off the loan and allows you to work directly with one single lender, gpk电子游戏官网, 而不是多个贷款人. 就像 个人贷款在美国，债务合并贷款不需要任何担保或抵押品. 然而, a debt consolidation loan is used strictly to pay off debt rather than used to create new debt. 申请过程很简单，资金可以迅速支付. There are no upfront fees and we offer flexible repayment terms with fixed low rates.
Some of the bills most commonly consolidated into a debt consolidation loan are:
- 医疗费用
- 个人贷款
- 信用卡
- 发薪日贷款
- 其他无担保债务
Consolidating multiple loans means you’ll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner. 通过了解如何巩固你的债务有利于你, you’ll be in a better position to decide if it is the right option for you. 了解更多关于债务合并贷款的利弊.
债务合并贷款利率
| 术语 | 低至APR¹% |
|---|---|
| 1 - 12个月 | 7.99% to 17.99% |
| 24里面几个月 | 12.30% to 17.99% |
| 技能月 | 12.35% to 17.99% |
| 37-48月 | 12.40% to 17.99% |
| 49-60月 | 12.45% to 17.99% |
| 61 - 72个月 | 14.45% to 17.99% |
| 73 - 84个月 | 16.44% to 17.99% |
1年费率. 对于所有贷款, the actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, and the amount borrowed are all factors that determine the rate. 并不是所有的借款人都有资格获得最低利率. 从来没有任何提前偿还贷款的罚款. 所有贷款均须经信贷审批. 截至本披露日期，最优惠利率为8.50%.
为您提供更多金融工具
个人贷款
少借500美元，用这笔钱做任何事情. Choose your loan term and get a competitive APR for an affordable monthly payment.
个人信用额度
Get a credit line of up to $50,000 to pay for ongoing projects and expenses. 只对你使用的资金支付利息!
Where can I find educational resources to learn more about debt consolidation loans?
债务合并贷款常见问题解答
The most common way to consolidate your debt is through a debt consolidation loan. When you apply for a debt consolidation loan, you complete a simple loan application process. During this process, we analyze your finances to determine how much you’re qualified to borrow. 你的贷款可以担保, meaning you put up collateral such as your home or vehicle to get the loan, 或无担保, 也就是说不需要抵押品. You can “pay off” all of your debt with creditors using the money you get from a debt consolidation loan. You’ll then pay one monthly bill for a specific number of months at a consistent rate until you’ve paid off the balance. So instead of making multiple payments each month, each with a different interest rate, you make one.
你可以通过以下三种方式申请:网上申请，打电话给GPK电子游戏 415-775-5377，或到GPK电子游戏的分支机构参观.
The term of the loan is the length of time you are provided to pay back the funds borrowed. GPK电子游戏提供1-84个月的期限.
债务合并的唯一目的是合并债务. 因为条款的灵活性和GPK电子游戏极具竞争力的低费率, this product has been known to help members combine their debt into one loan, with one single payment and a foreseeable end to stress and burden that debt carries. Taking advantage of a debt consolidation loan can also save you money over time.
GPK电子游戏提供最低500美元，最高5万美元的个人贷款. The amount you are approved for will be based on several factors we review for qualification.
No, gpk电子游戏官网 does not charge a pre-payment penalty. We encourage our members to increase their monthly payments or make additional payments when they can. 这将有助于更快地减少余额并节省利息.
一旦你仔细评估了你的财务状况和目标, you are in a better position to determine if a debt consolidation loan from gpk电子游戏官网 is appropriate for you. 请理解，债务合并贷款不同于 个人贷款, so any special promotions we may have available throughout the year for our 个人贷款s does not apply to our debt consolidation loan. 你可以打电话申请你的债务合并贷款 415-775-5377, by stopping into one of our branch offices or by clicking on the button to the right. 所有贷款须经信贷审批. 阅读更多
作为一个负责任的金融伙伴, gpk电子游戏官网 is committed to making sure we have safe and ethical lending practices. 这意味着当您申请GPK电子游戏的贷款产品时, we do a thorough review to ensure that granting the loan does not put you in an uncomfortable financial situation. Your credit score and income tell a story on your ability to manage your finances and your commitment to paying money owed. 它还可以帮助GPK电子游戏确定GPK电子游戏可以借给你的金额和利率.
Some of our lending products, like closed-end loans, are available to non-permanent U.S. 居民，视乎目前的工作许可/签证审查而定. 某些贷款期限将取决于签证/许可证的到期日期.