Turn Many Payments Into One,at a Lower Rate
A consolidation loan simplifies what you can already afford.
Not sure that's your situation? We'll help you find the right path.
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Mesa Group Consulting is not a lender. We help you compare offers from our lending partners and may earn a referral fee when you complete a loan, at no extra cost to you.
Consolidation or Relief?They Are Not the Same Thing.
These are two different tools for two different situations. Sending yourself to the wrong one is a costly mistake, so start here.
A consolidation loan
For people who can afford their debt and want it simpler. One new loan pays off the others, so you make a single payment, ideally at a lower rate.
- You can keep up with the total, it is just messy
- One fixed monthly payment instead of many
- Paying on time can help your credit
- Best with decent-to-fair credit and steady income
Debt relief
For people who cannot realistically pay what they owe. It works to reduce the balance, which can hurt your credit and carry tax consequences. A last resort, not a first step.
- The total is genuinely out of reach
- Aims to lower the amount owed
- Impacts credit and may have tax effects
- Considered when a loan is not realistic
Not sure which is you? Call us at (661) 310-3040 and we will help you decide honestly, even when the answer is the one we do not get paid for.
The Right Path First,Then the Right Rate.
A lead-gen site just wants the click. We are a credit consulting firm, so we can help you pick the right tool honestly, and then help you fix the credit that decides your rate. Consolidation only saves money when the new rate beats what you pay now.
Honest triage, including no
If a loan is the wrong tool for you, we say so and point you to what fits.
We fix what holds your rate back
Credit is usually the lever. See Credit Restoration and Build Credit, or map your payoff timeline with our free debt payoff calculator.
A local team you can visit
A real Bakersfield office, in English, Spanish, and Punjabi.
See Your Payment, and Your Savings
Set the total you want to combine and a term. Watch the single payment, and the interest you could save.
Term
Estimated single payment
at a representative 11.99% APR
$527/mo
Estimated interest saved
vs a typical 24% card APR
$6,020
Estimate only. Payment shown at a representative 11.99% APR; interest saved is compared to a typical 24% credit card APR over the same term. Your actual rate, payment, and savings vary by credit, income, balances, and lender. A longer term lowers the monthly payment but can increase the total interest you pay. Consolidation saves money only when the new rate beats what you pay now.
How a Consolidation Loan Works
Check your rate
Answer a few questions to see what you may qualify for. This is a soft inquiry, so your score is not affected.
Compare your offers
Look at rate, term, and monthly payment together. It only saves money if the new rate beats what you pay now.
The loan pays off your debts
The lender clears the balances you chose, and you make one payment going forward.
Have These Handy
Checking your rate takes a few minutes. Having these four things nearby makes it faster.
Your balances
A rough total of the debts you want to combine into one.
Your income
Steady, verifiable income that comfortably covers one payment.
Your credit
Generally fair and up. It shapes your rate more than approval.
Mostly unsecured debt
Credit cards, medical bills, and personal loans are the usual fit.
The one habit that makes it work
Consolidation works best when you stop adding new debt to the cards you just paid off. A loan turns many payments into one, but only new habits keep it that way. We will talk through a plan so the balances stay down for good.
Rates and terms vary by credit, income, and lender. Savings depend on your rate, balance, and term.
Guidance You Can Check.People You Can Visit.
Mesa Group Consulting is not a lender. We help you compare offers, and we tell you honestly when a loan is not the right tool.
Serving Bakersfield and Kern County since 2023, in English, Spanish, and Punjabi, from a real office you can visit.
Leave us a Google review"My credit was 512 and I felt stuck. Within 6 months my score jumped over 250 points, and doors started opening that had been closed for years."
Julian M.
Qualified after Mesa helped his credit
Bakersfield, CA
"I tried two other companies for over two years and got nothing. With Mesa the results spoke for themselves in just a few months."
Alex M.
Results in months, not years
Bakersfield, CA
"They turned my credit around when I thought there was no recovering from it. I'm beyond thankful for the options I have now."
Loveleen S.
New options after a turnaround
Bakersfield, CA
Savings depend on your rate, balance, and term, and are not guaranteed. Rates and terms vary by credit, income, and lender. Results vary by individual circumstances; testimonials reflect individual experiences.
Mesa Group Consulting is not a lender. We help you compare offers from our lending partners and may earn a referral fee when you complete a loan, at no extra cost to you.
Common Questions.Honest Answers.
Everything you need to know before you consolidate.
Many Payments.One Plan.
Checking your rate takes a few minutes and will not affect your score.
If a loan is not the right tool for you, we will be the ones to tell you.
Or call us: (661) 310-3040
🇪🇸 Hablamos Español · 🇮🇳 Assi Punjabi Bolde Haan
Mesa Group Consulting is not a lender. We help you compare offers from our lending partners and may earn a referral fee when you complete a loan, at no extra cost to you.