Simplify Your Debt Management

Do you have high-interest, unsecured debt from credit cards and personal loans following you around? Consider consolidating into a single, low-rate debt consolidation loan and save money in the process!

Lower Monthly Payments

Combine multiple high-interest payments into one affordable monthly payment that fits your budget.

Reduced Interest Rates

Save money over time with our competitive interest rates that are typically lower than credit cards.

Simplified Payments

Manage your debt with just one monthly payment instead of juggling multiple due dates.

Simple Application Process

1

Check Eligibility

Review our requirements and ensure you meet the criteria for a debt consolidation loan.

2

Complete Course

Finish our free "Creating a Budget and Sticking To It" course through our partnership with Enrich.

3

Gather Documents

Collect proof of income and account statements from creditors to be paid by loan proceeds.

4

Submit Application

Complete our straightforward application process with guidance from our loan specialists.

What You Need to Apply

Proof of Income

Recent pay stubs, tax returns, or other documentation showing your income sources.

Account Statements

Statements from creditors to be paid by the loan proceeds.

Budget Course Completion

Certificate from the free "Creating a Budget and Sticking To It" course available through Enrich.

Credit Information

We'll review your credit history as part of the application process.

Additional Financial Education Resources

In addition to the required course, Enrich offers many other courses and tools to assist you in managing your finances including "Mastering Credit & Optimizing Your Score" to help you determine if debt consolidation is right for you.

Get in touch

Ready to simplify your debt?

Speak to a Sparkle Trust Consolidated specialist at (914-240-7331)