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Multiple credit cards, high-interest loans, or overdue bills can feel impossible to manage. A debt consolidation plan can simplify everything into one payment — often with a lower overall interest cost and less stress.
Loangate is a financial matching service. We connect Canadians with licensed lenders that offer consolidation options. You submit one secure request, then review available offers (if any). There’s no obligation to accept.
Lender availability and terms vary by province and by your financial profile. Always review the lender’s APR, fees, and repayment schedule before you agree.
Initial matching may use a soft check that typically doesn’t impact your score. If you proceed with a full application, the lender may run a hard inquiry as part of their process.
Not always. Some lenders consider more than just a credit score. Approval and rates depend on the lender and your overall profile.
Many consolidation options cover unsecured debt like credit cards, personal loans, and some overdue bills. Secured debt (like mortgages) usually isn’t included in standard personal consolidation loans.