Combine Your Debts. Simplify Your Life.
Stop juggling multiple credit cards and high interest rates. Consolidate your debt into one predictable monthly payment. Check your rate today with no impact on your credit score.
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Our Accreditations and Ratings
Top rated by financial experts and consumers
The Orchard Key Advantage
Why Consolidate Your Debt?
Trading multiple confusing bills for one straightforward personal loan is one of the smartest financial moves you can make to regain control.
Juggling Multiple Debts
- Multiple high variable interest rates (APRs) on credit cards.
- Several different due dates spread across the entire month.
- Making minimum payments keeps you in debt for years.
One Consolidation Loan
- Potentially lower fixed interest rate that never goes up.
- Exactly one predictable monthly payment to remember.
- A clear, guaranteed timeline of when you will be 100% debt-free.
Simple Process
Your Path Out of Debt
Getting a debt consolidation loan online has never been easier. Follow three simple steps to financial clarity.
1. Tell Us Your Debt Total
Add up your credit card balances and high-interest loans. Submit our fast form to view your pre-qualified rates instantly via soft credit check.
2. Choose Your Terms
Select the monthly payment and repayment schedule (typically 24 to 84 months) that comfortably fits your budget goals.
3. Pay Off Creditors
Receive funds as soon as the next business day. Use the money to zero out your credit card balances and enjoy just one loan payment.
Freedom From Debt
Designed With Your Success in Mind
Orchard Key debt consolidation personal loans are structured to help you save money on interest while providing a clear finish line for your debt.
Say Goodbye to Variable Rates
Credit cards can increase your APR unexpectedly. Our personal loans feature fixed rates, meaning your payment will never change.
No Prepayment Penalties
Want to conquer your debt even faster? Make extra payments or pay off the entire loan early without any hidden fees or penalties.
Improve Your Credit Over Time
By paying off maxed-out revolving credit cards and maintaining on-time payments on an installment loan, you could see a positive impact on your credit profile.
Customer Rating
4.9/5
Knowledge Base
Debt Consolidation FAQs
Expert answers to help you understand if consolidating your debt is the right move.
Debt consolidation involves taking out a new personal loan specifically to pay off multiple existing debts—most commonly high-interest credit cards, medical bills, or other personal loans. Instead of paying multiple creditors every month, you use the new loan funds to zero out those balances. Moving forward, you make just one single monthly payment to Orchard Key.
Initially checking your rate with Orchard Key utilizes a "soft" credit pull, which has absolutely no impact on your FICO® score. If you proceed with the loan, a hard inquiry will be placed, which may cause a minor, temporary dip. However, using the loan to significantly lower your credit card utilization can positively impact your score over time, assuming you continue making on-time payments.
Financial experts generally recommend keeping your credit card accounts open, even with a zero balance. Closing accounts reduces your total available credit, which can inadvertently spike your credit utilization ratio and negatively impact your credit score. The key is to keep them open but avoid running up new debt.
Depending on the loan terms you qualify for and select, the funds may be deposited directly into your designated bank account for you to distribute, or Orchard Key may offer the option to disburse the funds directly to your creditors on your behalf, saving you the extra step.
Become Debt-Free Faster
Take control of your financial future today. Consolidate your debt with Orchard Key and secure a clear path forward.
Check My Rate — FreeChecking your rate takes 2 minutes and will not impact your credit score.