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Best Debt Consolidation Loans in Denver, CO

Updated 10/12/2018

As Americans struggle to balance their finances, many find themselves looking for debt relief. Options can be confusing. One remedy is debt consolidation, which merges all of your existing debt into one, manageable loan. If the new loan offers a lower interest rate, you could save money, lower your payment and get out of debt faster, which makes it worth contacting these best companies for debt consolidation in Denver.

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#1 MOST POPULAR
National Debt Relief
National Debt Relief
CALL NATIONAL DEBT RELIEF
(844) 462-9121 VISIT WEBSITE
Sponsored Ad Features
  • No cancellation fees
  • No upfront service fees
  • Free consultation
  • Plans by state
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#2
Freedom Debt Relief
Freedom Debt Relief
CALL FREEDOM DEBT RELIEF
(866) 515-6714 VISIT WEBSITE
Sponsored Ad Features
  • Free consultation
  • Settlement negotiation
  • Customizable payment plan
  • No upfront service fees
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#3
Trident Debt Solutions
Trident Debt Solutions
Features
  • Free online consultation
  • Attorney-managed firm
  • No upfront fees
  • Unsecured debt negotiator
Read More
Location:
1444 Stuart St.
Denver, CO 80204
(303) 872-8492
US Mortgages US Mortgages Features
  • Financial counseling
  • Cash-out refinance loans
  • Home refinancing
  • Credit building
Location:
6855 S. Havana St., Ste. 500
Centennial, CO 80112
720-524-8020
Consumer Debt Consolidation Consumer Debt Consolidation Features
  • Online only
  • denver.consumer-debt-consolidation.com
Location:
Online services only Serves residents in
Denver, CO
DebtConsolidationCare DebtConsolidationCare Features
  • Online only
  • debtconsolidationcare.com
Location:
Online services only Serves residents in
Denver, CO
CareOne Debt Relief Services CareOne Debt Relief Services Features
  • Online only
  • careonecredit.com
Location:
Online services only Serves residents in
Denver, CO
Debt Reduction Services Debt Reduction Services Features
  • Online only
  • debtreductionservices.org
Location:
Online services only Serves residents in
Denver, CO
CreditGuard of America CreditGuard of America Features
  • Online only
  • creditguard.org
Location:
Online services only Serves residents in
Denver, CO

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How we chose the best

ConsumerAffairs thoroughly researched debt statistics, settlement options and consumer reviews.

36 Hours researched
301 Reviews analyzed
15 Companies evaluated
9 Companies selected
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#1
RECOMMENDED
National Debt Relief

Reduce your credit card debt

Call National Debt Relief
Call today!
(844) 462-9121 VISIT NATIONAL DEBT RELIEF
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How to consolidate debt in Denver

denver skyline

If debt is becoming too much to handle, a debt consolidation loan can help you avoid bankruptcy. Debt consolidation doesn't eliminate any of your debt, but rather rolls all of the debts you choose into one new loan. Debt consolidation companies take control over your existing debts, and then you work with them to pay it off.

Pros of debt consolidation loans

  • If the new loan interest rate is lower than your current interest rates, you can end up saving money.
  • If the new interest rate is lower, it may also decrease the monthly payment amount.
  • Making one payment each month instead of several payments saves time.
  • Making one payment can help you avoid late fees if you often miss payments.

Cons of debt consolidation loans

  • If the new loan interest rate is higher than your current interest rates, you will pay more on top of your debt.
  • If the new loan interest rate is variable, that means it can increase and end up costing more money.
  • Since a debt consolidation loan is a new loan, it may negatively impact your credit.
  • By consolidating loans, you lose terms and conditions of any existing loans. For example, for federal student loans, once you consolidate, you'll lose any benefits that go along with it, such as income-based repayment options or student loan forgiveness.

While quality of life is great, the cost of living in Denver is 12 percent higher than the national average. Denver is one of the 15 most expensive cities in the U.S. to buy a home. Residents, on average, carry $6,000 in credit card debt. Average debt including auto and personal loans balloons to about $42,000. More than half of Colorado's population holds a bachelor's degree and an average of $26,520 in student loan debt, making debt consolidation loans attractive to residents.

National Debt Relief

National Debt Relief (844) 462-9121

CALL TODAY!

National Debt Relief allows you to transfer high-interest credit cards and other debts into one loan, which could possibly have a lower interest rate. Customers say the online portal was easy to use, and it was a simple process. People also report that customer service professionals answered all of their questions.

VISIT NATIONAL DEBT RELIEF
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Freedom Debt Relief

Freedom Debt Relief (866) 515-6714

CALL TODAY!

Freedom Debt Relief offers a free evaluation to see how much you can save by consolidating your debt with them. They boast about their negotiating power with creditors, resolving 50,000 accounts per month. According to reviews, representatives were honest, made the process easy and made customers feel comfortable.

VISIT FREEDOM DEBT RELIEF
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Trident Debt Solutions

Trident Debt Solutions

M-Th: 8am - 5pm, F: 5am - 5pm, Closed Sat and Sun

tridentdebtsolutions.com

Trident Debt Solutions is a Colorado-based company specializing in credit card debt relief. Debt consolidation is available for individuals who have $30,000 or more in unsecured debt, such as credit cards or medical expenses. Denver customers say representatives are confident, supportive, sincere and knowledgeable.

US Mortgages

US Mortgages

M-F: 8am - 6pm, Closed Sat and Sun

usmortgages.com/denver-home-loan-mortgage-refinance/debt-consolidation-building-credit

US Mortgages is a Denver-based company that offers debt consolidation and is available to help create a specific plan tailored to your financial situation. Denver residents report a great experience working with US Mortgages, saying they were accommodating and transparent about the process.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.