Is an unsecured loan the right choice for you? While a personal loan lets you make one payment over a short period, it isn't the right debt solution for everyone. Check out other ways to consolidate your debt.
Do you want a low monthly payment? If you have equity in your home, then a home equity loan, or cash-out mortgage offer you low-interest rates and a long-term payment schedule. You don't need excellent credit to qualify.
If you are struggling with your monthly payment, your credit is damaged (or about to tank), and in financial hardship, then consider a debt settlement program. If you qualify, then you might be debt free within 2-5 years.