A personal loan with a set payoff period is a great option to choose if you want to consolidate debt and there are many great deals out there, if you’re willing to shop around. Benefits include:
•One monthly payment
•A set interest rate
•You don’t need a perfect credit score

During this process, it’s best to apply for several loans to check rates. Unlike credit cards, some personal loan providers let you check the rate you’ll get without impacting your score. They’ll do a ‘soft pull’ with your Social Security Number so give your information to several of them and see who gives you the best rate.