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Consolidation works best when your ultimate goal is to become debt-free.This type of credit card charges no interest for a promotional period, often 12 to 18 months, and allows you to transfer all your other credit card balances over to it.
A car loan consolidation is relatively easy to get, as the vehicles are all collateral against the loan.
With that said, there are still some things that are required before you make any final decisions.
Get together all your current outstanding loans, and find out the remaining balances on all of them. Once you have the amounts, begin your search of lenders for the best lending rates and terms.
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You’ll need a good to excellent credit score — above 690 — to qualify for most cards.