When to consolidate your debt with a personal loan or refinancing - Business Insider

or other high-interest debts with a single, lower-interest personal loan can help you save money in a couple of ways. Between lower interest rates and a faster payback period, you could wind up saving a bundle.1. You can get a lower interest rate, is this: only consolidate if you can move your balance to a lower interest rate. Moving to a higher interest rate will cost you more in the long-term, not less.

Most personal loan interest rates are based on a combination of market interest rates and your personal credit history. If you have great credit, you can leverage it to pay off your debts at the lowest possible cost.If you have a half dozen credit card payments due every month, it's easy to miss a payment due date or make another mindless mistake.

Popular personal lenders offer fixed and flexible terms. If you can convert credit card debt into an installment loan balance, you'll know exactly when your balance will be paid off.

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