"She was patient with me, listened to my whole hardship story... If there is a light at the end of this tunnel, I think its name is Nicole."
Debt consolidation loans
One loan. One payment. A real person to help you through it.
Lend & Loan offers debt consolidation loans for balances over $10,000. Combine credit cards and other bills into one fixed monthly payment, with a loan specialist who walks you through every step.
Checking your rate won't affect your credit score.
Example
Credit card$312/mo
Store card$148/mo
Medical bill$95/mo
Personal loan$226/mo
One fixed paymentSame amount, same date, every month
1Illustration only. Your payment depends on your balance, rate and term.
- Licensed lenderNMLS ID 2774718
- Two officesIrvine, CA · Phoenix, AZ
- 100,000+ clientshelped so far
- No prepayment penaltyPay it off early, no fee
How it works
Three steps. No pressure at any of them.
STEP 1
Check your rate
A short form, about two minutes. It's a soft check, so your credit score stays the same.
STEP 2
Talk it through
A loan specialist calls you, goes over your options, and answers every question. If a consolidation loan isn't the right fit, they'll tell you.
STEP 3
Get one payment
Once approved, funds usually arrive in 3 to 5 business days. From then on, it's one fixed payment each month.
Payoff calculator
See what one payment could look like.
Put in your current balances and payments. The calculator compares what you pay now to a single fixed-rate loan. The numbers below are an example to start from.
$
%
$
%
This is an estimate to help you compare. It isn't a loan offer. Your actual rate depends on your application.
New monthly payment
$0
Monthly difference$0
Interest you could save$0
Paid off by–
See the full comparison
| Now | One loan | |
|---|---|---|
| Total interest | – | – |
| Time to pay off | – | – |
| Total paid | – | – |
At your current payment, the balance never gets paid down because interest is larger than the payment.
Want your real numbers?
The product
A debt consolidation loan, explained in one minute.
You take one loan, use it to pay off your other balances, and then make a single fixed payment each month until it's paid off. Same payment every month, a clear end date, and one company to call.
For balances over $10,000
Loans up to $250,000
Fixed rate and fixed monthly payment
No prepayment penalties
Commonly used for credit cards, medical bills and other personal loans
Applicants across a wide range of credit scores are considered
Nobody here is going to lecture you.
Most balances build up the ordinary way. A car repair, a medical bill, a few tight months that turned into a year. Our job isn't to judge how you got here. It's to look at the numbers with you and tell you straight whether this loan makes sense.
Reviews
What people say after the first call.
"He listened to my concerns and was professional throughout the process... I now feel relieved I'm in a better financial position."
"Great phone call. My representative was super nice. Got approved for $20,000. Very happy with the service."
Who we are
A licensed lender with real people behind it.
Lend & Loan Financial is a registered name of BrightStart Solutions LLC, a licensed lender with offices in Irvine, California and Phoenix, Arizona. When you call, you talk to a loan specialist on our team, not a call center reading a script.
NMLS ID 2774718
Look us up on NMLS Consumer Access →
Irvine office18012 Cowan, Irvine, CA 92614
Phoenix office4408 N 12th St, Phoenix, AZ 85014
In the news
Experts in consumer debt
Lend and Loan has been featured in financial and consumer-focused publications for its approach to responsible debt consolidation. Our insights help people understand their options and make informed decisions about their money.
“Lend and Loan Financial expands unsecured financing solutions to address record consumer debt crisis”
Check my rate
Check your rate in about two minutes.
- Won't affect your credit score
- No obligation to accept
- A loan specialist calls you within one business day
Rather talk now?
844-677-LOAN (5626)
Thank you.
A loan specialist will call you from 844-677-LOAN (5626) within one business day.
Want to talk sooner? Call us now.
Ready to speed things up? The full application takes about five minutes, and your details are already filled in.
Finish your full application
FAQ
Questions people ask before they call.
Will checking my rate affect my credit score?
No. Checking your rate uses a soft inquiry, which doesn't affect your score. A full credit check happens only if you decide to move forward with a loan.
How fast is the process?
Most loan decisions are made within one business day. After approval, funds usually arrive in 3 to 5 business days.
What can I consolidate?
Credit cards, medical bills, other personal loans and similar unsecured balances. Your loan specialist will go through your list with you.
What do I need to qualify?
Verifiable income, an active U.S. bank account, and a debt-to-income ratio under 45%. We consider applicants across a wide range of credit scores.
Are there fees for paying the loan off early?
No. There are no prepayment penalties.
Is Lend & Loan licensed?
Yes. Lend & Loan Financial is a registered name of BrightStart Solutions LLC, NMLS ID 2774718. You can verify our license on NMLS Consumer Access.
Rather talk to a person? So would we.
Call and talk to a loan specialist on our team.
844-677-LOAN (5626) Check my rate online