Consult with a legitimate credit counselor who will help you develop a personalized money-management plan. A debt consolidation loan for bad credit is a personal loan that you use to roll (or consolidate) many debts into one.These are typically unsecured loans. CNBC Select compared debt consolidation loans for borrowers with less-than-perfect credit based on score requirements, fees and interest rates. Secured loans require collateral, are typically easier to qualify for and could be a good choice if you have bad credit. National Debt Relief offers programs that can help you get your finances back on track, reduce stress, and work towards a brighter financial future. A Washington debt consolidation loan may be available whether you have good credit or bad credit. Key Facts:Oportun loans may be a fit for borrowers with no credit history looking to cover a small expense or emergency. If you're worried about how to get out of debt, here are some things to know — and how to find legitimate help. Ask for help if you need it.