Loans to Reduce Interest Rates

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Ideally, we could simply wish really hard and all of our financial challenges would magically vanish. Since that rarely works, however, the next best thing is to organize and corral our many debts and obligations – to take control of them instead of endlessly reacting to them. Imagine consolidating those monthly bills into one lower payment, maybe even at a better interest rate. Imagine cleaning up your debts instead of feeling taken to the cleaners by them. Imagine yourself armed with a budget and a vision and the tools to follow through. That’s the potential of a low-interest debt consolidation loan.

Finding the right lender is essential for the process to be most effective. Loanry maintains a curated database of reliable online lenders, many of whom specialize in circumstances just like yours. Just because you’re having some difficulty getting a handle on debt doesn’t mean you don’t deserve to be treated well, and it certainly doesn’t mean you can’t compare your options and evaluate your offers before deciding what to do. We’d like to help you have a few more of those options and make it a bit easier to do that sort of evaluation.

What you decide at that point is, of course, always entirely up to you.

Is It Right For You?

A debt consolidation loan doesn’t magically remove debt, and it can't be used for every type of debt. However, they are very good at dealing with certain types of difficulties. For example, you may have several credit cards with outstanding balances which you just can’t seem to pay down. Maybe you have a few lingering medical bills and seven months left on your car payment and a personal loan from your in-laws who are starting to look at you less lovingly. What if you could take out one loan on a fixed interest rate, wipe those slates clean, then have one lower, predictable payment for a set time frame until paid in full? If nothing else, the in-laws might start to smile again. Installment loan consolidation can make this happen.

Typical Structure of Loans to Reduce Interest Rates

These are most often personal loans which rely primarily on your credit rating and credit history. They’re usually structured as standard term loans, with a set number of monthly payments to be made at a fixed interest rate. The payments are due at the same time every month and remain the same for the life of the loan.

Once approved for a debt consolidation loan, you use the funds to pay off your high interest credit cards, any outstanding debt from retailers, medical bills, legal expenses, etc. It’s important to avoid incurring new debt voluntarily during the life of your loan. As you focus on paying down your debt by making the required monthly payments and avoiding new debt, your credit history will gradually improve and your three-digit credit score will rise.

When it’s eventually time to finance a vehicle, take out a mortgage, or utilize any other form of credit, your improved credit will make the process much easier and give you access to better interest rates and terms than you’d otherwise be offered. It may seem like a long road from where you are now to better credit and readily available low-interest loans, but it starts here.

Loanry® is here to help you pay off Loans to Reduce Interest Rates


Why Loanry?

One of the most frustrating things about out-of-control debt is simply trying to keep up with the bills and notices and emails and phone calls. It’s not just that we can’t always make every payment in full each month; sometimes we can’t even keep track of what’s owed, who we’ve spoken to, and what we promised to do. When we feel overwhelmed, everything else is more difficult. It’s like being tired all of the time, but with an extra helping of stress and confusion – the exact opposite of how we’d like to feel if we’re going to step up and take back control of our financial circumstances and the rest of our personal world.

We can’t solve it all for you in one miraculous swipe, but we can help you take a few important steps. The possibility of consolidating some of those bills might go a long way towards reducing that chaos and stress. Then, just realizing you’ve started to shift that momentum can do a great deal for your confidence in tackling other messy issues. At the same time, it can be difficult to know where to start – after all, part of the problem is that it’s sometimes difficult to keep up with everything. You’d like to look into loan options, or put together a better budget, or learn a bit more about steps you could be taking to lower your utility bills or cable bill, but who has the time?

At Loanry, and throughout the family, we’d like to help simplify the world of personal and small business finance by gathering together practical online financial tools, information about a range of financial issues and terminology broken down into accessible language and examples, and easy online forms allowing you to connect with lenders or other professionals who want to work with you to take control of your financial life. Don’t worry about what you think that should look like in a few years. Start by imagining what it could look like in a few months – bills organized, debt restructured into manageable monthly installments, and you building your money knowledge and power by utilizing the tools available across Goalry.

There are no classes. We’re not dangling a certificate or gamifying anything with points or cartoon coins. It’s all there when you need it, when you’re ready. Take ten minutes after the kids are in bed to read that article on why we can never seem to pay down credit card debt effectively. Close that game on your phone in the waiting room during that oil change and use our online tools to compare loan options. Take your kids to the library and use those free computers to submit a little basic information in pursuit of that consolidation loan.

No one said everything in this life would be easy; that doesn’t mean we have to make things harder than they need to be.


In the short term, your most pressing goal may be to avoid debt collection or legal action. It’s difficult to think too much about the future when most of your energy is spent putting out fires with your finances and playing whack-a-mole with your debt. We certainly don’t want to face eviction or repossession or even overdraft fees or suspended credit cards if we can at all help it.

But at some point, the solution to any short-term crisis is to develop and pursue your long-term goals. Planning for the future doesn’t mean sitting around and sighing periodically, wishing things were different. It means taking tangible steps, starting today, to make the changes you know you need to make. It means tackling the issues you know you must tackle if anything’s going to get truly better. It means less sighing and more doing – even if you need a little help along the way.

An important part of this is eliminating excessive debt and avoiding delinquency on required payments. That’s only the starting point, however. Prioritize cleaning up your credit history and strengthening your credit score. It took time to get where you are today; it will take time to improve it. But it doesn’t always take as long as you might think. Eliminating multiple debts improves your income-to-debt ratio. Consolidating them into more manageable monthly payments reduces the chance of late or forgotten payments. Repaying your personal loan to reduce interest builds a positive credit history.

Why does it matter? Because no matter what your situation today, you will eventually need financing again. The time will come to purchase a new home or vehicle. You’ll want to finance major home repairs, or a wedding, or go back to school. When that time comes, the decisions you make between now and then will greatly influence the number of resources available to you and the terms on which you’re able to utilize them. Interest rates, length and amount of the loan, even the number of lenders willing to compete for your business – it all starts today.

That’s a positive thing, by the way. Shall we get started?


At, we’re simplifying the world of personal and small business finance by offering you free access to what we think of as a “content mall” for financial assistance and education. We’ve collected innovative online financial tools and information about a wide variety of money issues and organized them by general subject matter… for all of your real estate needs or questions about property ownership. to receive and pay your bills all in one place. to analyze where you could be spending less and saving more (and how to put together a meaningful budget to begin with). for emergency, small-dollar loans while avoiding those sketchy “payday loans” next door to the liquor store. for managing your credit report and credit scores (and learning about all the different things both can mean). for tying together your various accounts and obligations and making debt work for you (instead of you always working for it). when it’s time to get serious about financing your way forward. to help organize and maximize your personal and small business tax preparation and decision-making. to explore the power of personal investments for normal people like us.

Every site offers its own unique tools and professional connections. More importantly, our educational blog articles explore different facets of every topic imaginable, all in plain, simple English. If we’re going to impress anyone with our pretty words, we want it to be because they’ve made complex topics accessible and easy to understand.

There are no classes and no homework. You won’t get marked down in red ink or given stickers for how fast you complete anything. It’s all there when you need it, when you’re ready.


Did You Hear?

"Learn how to prioritize all your debt... If you have debt I'm willing to bet that general clutter is a problem for you too."

Suze Orman (Financial Advisor and Best-Selling Author)

Educate Yourself

Getting A Personal Loan to Consolidate Debt

to a Lower Interest

There’s power in having options. Local banks and credit unions, non-traditional lenders, and an array of online options mean that almost anyone can improve their financial situation with enough planning and determination. You may pay a few fees up front or face higher interest than you’d like with bad credit loans to pay off debt, and you may decide you have other options or a better pathway to financial stability. Or, you may determine that taking control of that bad debt now is the most direct path to financial freedom and better options in the future.

But it doesn’t end when you sign for that personal loan for credit card debt or send those final payments to the half-dozen agencies or offices who’ve been pursuing you. That’s when it begins. Attentive monthly budgeting and a stubborn refusal to let impulse purchases or careless debt choices send you back to some place worse than where you started? That’s what success looks like. One day and one payment at a time.

Explained in 3 easy steps

How all of
this works?

It all starts with a simple loan request that takes a few minutes to complete.

We provide that information, at your request, to participating members who might be able to able to assist you with your financial needs. Many lenders transfer funds to your checking account as soon as the next business day.


Step 1

Start Loan Shopping

Tell us things like who you are and how much money you need.It only takes minutes.

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Step 2

Find Lender

The Loanry® Store may help you find a lender interested in your loan request.

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Step 3

Check out

Funds are deposited directly to your bank account as soon as the next business day.

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Pros and Cons of Loans to reduce Interest Rates

A personal loan can be useful in a number of situations. Whether you want to consolidate bills to a lower payment or cover an unplanned emergency expense, personal loans are designed to help bridge the gap.

Pros: Simply Your Life

Lower interest and straightforward terms. Pay one bill each month instead of six or seven, and the amount will always be the same.

Pros: Rebuild Your Credit

As you eliminate balances on credit cards or cancel out medical debt, your credit history starts to show those successes and your credit rating quickly reflects your improved circumstances.

Pros: Reduce Stress and Worry

Late charges and missed due dates don’t just cost you money, they impact your sense of self and your confidence. Take charge and be in control of your finances again.

Cons: The Debt Hasn't Vanished

Keep in mind that your debt hasn’t gone away, it’s merely been restructured to be more manageable. Resist the temptation to take on new debt before paying off your new loan.

Cons: Terms Depend On Credit Rating

Loan terms depend heavily on your credit history. While there are lenders who specialize in debt consolidation for bad credit, be prepared to pay higher rates if your credit is less than stellar.

Cons: Timely Repayment Essential!

Failure to repay your consolidation loan, as with any debt, will further damage your credit, making it even more difficult in the future to secure financing or flexibility.

See FAQs

Find answers to some of the most commonly asked questions here

We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


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