Credit cards are a basic financial tool for most households. They are convenient and provide a simple and easy way to pay off a bill, especially an emergency bill, such as an auto repair or a medical expense. 

However, if you have high-interest rates on your credit cards, unaffordable payments, maxing out your credit lines, or have a lot of bills that are hard to manage, then you could probably benefit from credit card consolidation.

Getting a personal loan with bad credit is a challenge. If you have bad credit, then bad credit debt consolidation can be a great solution to help you pay off bills and get back on track.

One possible alternative is a bad credit personal loan. Expect to receive a high-interest rate. Only use the loan as a stop-gap measure and make 100% certain that you can afford the payments. Avoid a payday loan trap, where you keep rolling over the loan and the amount you owe increases.

If you can't afford the loan, or if the interest rate is high, then look for other alternatives. 

Bill Consolidation combines a number of your bills and personal debts into one payment, including credit card, medical, and household expense bills. You can either combine the amounts into a low-interest loan, such as a cash-out or home equity mortgage, or take out a short-term bill consolidation personal loan.

If you can’t qualify for a loan, then look for alternative bill consolidation such as a debt settlement, or a debt management program.

Not all lenders are the same. Some specialize in excellent credit loans and others in bad credit loans.

Bills.com researched and provides you detailed information about debt consolidation loan companies based on credit score, loan amount, and loan rates. In general, lenders offer personal loans for many purposes including debt consolidation, medical bills, weddings, vacations, big-ticket items, and home repairs. However, when comparing companies, check to see if they offer discounts for certain types of loans, especially debt consolidation loans.