Debt Consolidation for Married Couples

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Married life offers companionship to people. Married couples often share the same goals and work together to achieve them. 

Sometimes, however, married partners may encounter financial challenges. They often have various financial obligations such as: rent or mortgage payments, daily essentials, fuel costs, and utility bills among others. If they have children, they need to consider additional expenses as well.

In today's economic climate, married couples face higher prices that diminish their available income and increase their expenses. Almost everything has become more expensive. 

Married couples often have to deal with emergencies such as home or car repairs, and if you don’t have the required amount of money in your checking or savings account to finance an emergency, turning to your credit card is usually your next move. 

When things get tough but you still need to pay for all your everyday needs and care for your family, it’s only natural to use your credit card or other types of loans. 

If credit card balances spiral out of control and loans become debts, married partners can turn to Credit9 to receive a debt consolidation loan, which can make paying off debt faster and easier, and potentially even save money along the way.

By merging their current debts into one, married couples can enjoy the benefits of lower interest rates. With a debt consolidation loan, their financial situation can become more manageable and easier to handle. Such a loan can even become the vehicle for financial stability. 

What Is Debt Consolidation?

Whether you have multiple monthly payments on credit card debt bills or other loan payments, a debt consolidation program can roll all your existing debts into a new loan with a single monthly payment, and make it easier to stay on top of the loan payments and your budget. 

To qualify for a debt consolidation loan you must have more than one outstanding loan or credit card. When you merge multiple loans or credit cards together, you benefit from one single monthly payment and from lower interest charges than the interest on the loans and credit cards you intend to consolidate. A debt consolidation plan thus helps you manage your debts more easily and may even let you save money.

Credit9 has professional loan specialists to guide you through the debt consolidation process and help you reach financial security for you and your family.

Benefits of Debt Consolidation Loans

More favorable repayment terms

Debt consolidation loans can make life easier by simplifying debt management. You only have to make one monthly payment, which is easier to accommodate with your existing income and expenses. Debt consolidation loans often have lower interest rates than credit cards which means you will pay less in interest charges. 

Benefit from lower interest rates

All credit institutions charge interest on the loans they provide: that’s how they make money. Some types of credit accounts like credit cards have high-interest rates, often more than 20 percent, and the outstanding balance on your credit card can very quickly balloon due to the compounding interest. 

Debt consolidation loans offer lower interest rates than credit cards, depending on your credit score, your income, and your financial status.

You only have one monthly payment

A debt consolidation loan has one monthly payment. When married couples have multiple credit cards and other loans, they have to make several payments throughout the month. With a consolidation loan, payments are simple and easier to keep track of throughout the year. 

Improve your credit score 

Debts and unpaid bills can lower your credit score. As you pay your previous debts and you fulfill your obligations with a consolidation loan from Credit9, your credit score can increase over time. 

Married couples can thus realistically hope that their credit score will rebound to at least 700 if their score is lower with multiple credit accounts and haven’t missed any payments. If they want to borrow money for a home or a car, their credit report may have improved significantly, thus increasing the chances of a successful application.  

Repayment period

Married couples have the option to negotiate how fast they would like to repay their consolidation loan. If a couple has existing obligations, they may choose to extend the repayment term so that they have smaller monthly payments. Conversely, some couples may prefer to shorten the repayment period, resulting in larger payments over a shorter time frame. 

Why should I apply for a debt consolidation loan?

If you have multiple credit card accounts or loans, consolidation may be the best way to simplify or lower payments and make sure you avoid the possibility of missing or late payments.

A debt consolidation loan from Credit9 can give you financial security and the opportunity to better manage your debts. It is easier to keep track of your loan and integrate it with the rest of your expenses. A debt consolidation loan can be the right move for couples to become debt-free and take control of their financial future. 

What determines my consolidation loan?

The lending institution you apply to will review your specific conditions including: any bad credit, high-interest debt, joint loans, or personal loans as well as your credit history, credit reports, and credit scores before they offer you new credit and consider consolidating your debt. When you consolidate your debt, it is important to meet the required loan payments every month.

A good credit score

If you have a good credit score as a married couple, you may benefit from a consolidation loan with a lower interest rate. You may have the chance to pay less in interest charges and your overall debt can be more manageable and easier to repay. 

A cosigner

A cosigner is liable for the debt if you don’t pay it. If your co-signer has a stable job and a good credit score, you can benefit from better loan terms. This will help repay the loan quickly and it will cost you less in interest charges. 

Credit9 For Your Debt Consolidation Loan 

Credit9 is an online lender and is subject to the regulations of the FDIC. While there are many debt consolidation companies, you will find that Credit9’s professionals and loan specialists can help you with your loan application and deal with your financial issues. 

Credit9 draws on years of professional expertise to deliver excellent debt consolidation services. Take advantage of our company's great customer service and support, and get started today on the path to becoming free from debt and regaining control of your finances. Contact us today for a free consultation, and for more information on the debt relief services we offer. 

Frequently Asked Questions