What is a personal loan?
A personal loan is known as an unsecured loan. That means you don’t need to offer collateral – no need to sign away your car or home. While a mortgage can only be spent on your home, and a student loan can only be spent on your education, a personal loan can be spent on anything. There are no strings attached.
Epic specializes in loans for credit card debt consolidation. We can typically reduce your interest payments by half or even more, depending on your situation.
*consulting with Epic does NOT affect your credit score
What are the pros and cons of a personal loan?
Pro: You get the money you need as quick as you need it. You don’t need collateral, but you still get a low interest rate. You make one easy payment, and you can spend the money however you want.
Con: Not everyone can get a personal loan at a super-low interest rate – or even get one at all. If your credit score is low, the interest rate on your loan won’t save you as much as you might like. And if your credit score is poor, lenders might not approve you.
But all is not lost. Like we always say, Epic says YES when the rest say NO. We can find a way to help you get out of credit card debt once and for all.
Why get a personal loan through Epic?
Getting a personal loan isn’t hard these days. Getting the best interest rate in just one day can be almost impossible. When you call us, you receive a FREE consultation with a loan expert who reviews all your options – to find the one that works best for you.
Our loan specialists focus on more than just the numbers…
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- Do your monthly payments feel disorganized and unmanageable?
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- Do you miss payments or make late payments?
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- Are your debts stressing you out?
We work with you to find a solution to your financial problems – even when others have turned you down or turned you away.
Payment plans are available
Epic Loans knows one size rarely fits anyone, much less everyone. So we offer payment plans customized to every budget. Our loan specialists will answer every question and present you with every option – no obligation and no hard sell.
Frequently Asked Questions
A credit card consolidation loan is a personal loan that specifically targets credit card debt. Your Epic loan pays off the big balances on all your credit cards – and replaces interest rates as high as 25% with one rate as low as 5%.
All you need is a Social Security number, a physical address where you live, an email address where we can contact you, and a source of income. You also need to be at least 18 years old. That’s it.