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 obligations such as: rent or mortgage, daily essentials, fuel costs, and utility bills. 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 the emergency, turning to your credit card is usually your next best 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 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. When you merge all your loans together, you benefit from one single monthly payment and from lower interest charges than the interest on loans 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 financial specialists to guide you through the debt consolidation process and help you reach financial security for you and your family. Contact us today for the best debt consolidation services, and for more information, tips, and resources to help you pay off debt.

Benefits of Debt Consolidation Loans

More favorable repayment terms

Debt consolidation loans 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 loans like credit cards have high-interest rates, often close to 20%, and the outstanding balance on your credit card can very quickly balloon due to the accruing 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 things are simple and easier to keep track of. 

Improve your credit score 

Debts and unpaid bills can lower your credit score. When Credit9 runs a ‘hard credit check’ on your finances in order to lend you money, your credit score is lowered. As you pay your previous debts and you fulfill your obligations with Credit9, your credit score will increase. 

Married couples can thus realistically hope that their credit score will soon recover to at least 700. If they want to borrow money for a home or a car, their credit report will 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 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 is 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 payments every month or the debt can start increasing again and your credit repair will take much longer.

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 to pay less in interest charges and your overall debt will be more manageable and easier to repay. 

A co-signer

A co-signer 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 a loan consolidation company run by credit specialists. We are members of the FDIC. While there are many consolidation specialists, you will find that Credit9’s professionals and debt 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. Contact us today for free counseling and advice, and for more information on the debt relief services options we can offer. 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.

Frequently Asked Questions