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What Should I Do to Qualify For an Unsecured Personal Consolidation Loan?

In order to qualify for a personal unsecured consolidation loan you need to meet certain requirements. Credit score is the key to getting approved but there are other requisites youíll need to fulfill in order to get your loan.

When are unsecured personal consolidation loans useful?

An unsecured personal loan can be used for consolidating your debt if the amount of debt you hold is not that large. Consolidating your debt is always a risky financial transaction. If you donít do your math correctly, you may end up defaulting on the new loan. If this loan is guaranteed on an asset, the lender can take legal action in order to repossess the property.

If, on the other hand, you use an unsecured personal loan, that risk does not exist as the loan is not guaranteed on any asset. The lender can still take legal action, but it wonít be that easy for him to recover his money using the legal path so he will probably accept a refinance or reprogramming of the outstanding loan.


Each lender has different requirements but there is, however, certain consensuses on what are the basic conditions for getting approved for an unsecured personal loan. The main requisites for approval are a good credit score, a stable job, a verifiable income and credit history free from significant blemishes.

Good Credit Score

If you have a good credit score, you are probably half the way approved. This is due to the fact that Credit score is somewhat of a combination of all the other prerequisites. If you donít have a job, a good income and a credit history free from stains, youíll probably have a bad credit score.

However you may have a bad credit score due to past financial mistakes and you might have been rebuilding your credit in the past months or years. If this is your case, you donít need to worry as youíll be able to find bad credit unsecured loans as long as you are able to fulfill the other requirements.

Stable Job and Verifiable Income

These two requisites go hand by hand, If you can show proof of a stable job youíll probably be able to prove an income. Nevertheless, itís not enough to show you have an income. Your income needs to be high enough to afford the loanís monthly payments. Usually lenders wonít grant you a loan with monthly payments higher than 40% of your net income.

Clean Credit History

If at all possible the last two years of your credit history need to be clean. There must not be late payments, missed payments, or other delinquencies. A past bankruptcy will probably prevent you from getting an unsecured loan unless it has been discharged more than two years ago or if you can provide a co-signer. If you canít show a credit history free from stains, it needs at least to show that youíve been improving your credit behavior and it also needs to show uninterrupted payments for a couple of months.

About the Author: Bryan Quinn is a financial advisor with more than thirty years of experience in the field of finance who aids people undergoing financial problems and helps them obtain personal loans, home loans, student loans and grants, consolidation loans, car loans and many other financial products regardless of their credit situation. For more smart tips on Personal Loans and Debt Consolidations you can visit and also learn more about other financial options.

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