What Is a Bill Consolidation Loan?

A bill consolidation loan, is a personal loan you can use to pay off other bills, such as your credit cards or high-interest loans.2

The loan proceeds you receive could help you to pay off high-interest debt and save money by reducing your interest rate. A bill consolidation loan might also simplify the repayment process by moving all your debt into a single monthly payment.

If the credit card balances are piling up, bills keep coming in, or dealing with too many debt sources is becoming a headache, then a bill consolidation loan might be right for you.

How to Get a Bill Consolidation Loan

Prequalifying for a Bill Consolidation loan is simple.

Fill out a pre-qualification request (this won't affect your credit score) or visit your local branch.
2 Verify your information during the loan application process. Make sure everything is accurate!

Sign documents in your local branch and get the funds to directly pay off your creditors. 3

Get Pre-Qualified

 Why Get a Bill Consolidation Loan from Republic Finance?


Fill out a pre-qualification request (this won’t affect your credit score).


Got a Moment ? You can pre-qualify in minutes with no impact on your credit score.


Our customers love us. More than ten thousand customers rated us on Feefo an average of 4.9 out of 5 stars last year.

What Are the Bill Consolidation Loan Requirements?

You could qualify for a bill consolidation loan if you meet our standards for such criteria as collateral availability, credit history, and state of residence.

One of the easiest ways to see if you might be eligible for a bill consolidation loan is by visiting our Pre-Qualification Page. The check won’t affect your credit score.

You’ll know in minutes if you pre-qualify, at which point you can choose a branch location to work with or possibly continue online.

Where Can You Get a Bill Consolidation Loan?


You can click the link below to find a local Republic Finance branch where you can apply for a bill consolidation loan.

Find a Location

What Are the Advantages of an Bill Consolidation Loan?

Visit your local Republic Finance branch to see if you qualify for a bill consolidation loan.

  • It’s stressful to manage multiple sources of debt, and expensive.
  • Bill consolidation loans offer you a possible alternative to the hassle and headache.
  • There are several benefits to a bill consolidation loan, including:
• You might lower your interest rate
• Your monthly payment might be less
• You could pay off your debt faster
• It will simplify your monthly payments
• If you make all your payments when due, a bill consolidation loan may help you build credit! 4

1. Important Notice About Refinancing or Bill Consolidation: Refinancing or consolidating your current debt may result in a higher interest rate and/or longer loan term. You should carefully consider the impact on your total debt, monthly obligations, and the length of your repayment term.

2. For typical applicants, loan offers feature quotes for loans with terms of 12 to 60 months. As an example, if you borrowed $7,000 with a 30.04% Annual Percentage Rate (“APR”) and a 60-month term, your payments would be $226.47 per month. This example is based on an average customer with good credit. APRs will not exceed 35.99%. Loan terms (e.g., rates, origination fees and max. loan amounts) apply based on your state of residence and may vary depending on your creditworthiness. Optional voluntary products are available for purchase with any secured loan extended, based on qualifying factors. Not all consumers will qualify. Additionally, not all consumers will be eligible to apply for an online unsecured loan through Republic Finance’s website. Secured loan applications and closings must be completed with a branch employee, and not on our website. Secured loans will have collateral and insurance requirements. The purchase of any required insurance from Republic Finance is optional. Auto-secured loans require a first lien on a vehicle that is titled in your name, and which has valid insurance. Current customers: some current customers may not be eligible for a loan refinance. All refinance applications and closings must be completed with a branch employee, and not on our website.

3. If you qualify for electronic funding, the funds will be deposited in your bank account within 1-2 business days. When closing a loan in a physical Republic Finance office location, you will receive your funds the same day.

4. There are a number of factors that influence your credit profile and credit score. Republic Finance is not a credit repair organization. 

Note: Insurance products offered by Republic Finance vary by your state of residence. For more information, contact or visit your local Republic Finance branch.