[Home](/) > [Loans](/loan/) > [Personal Loan](/personal-loan) > [Debt Consolidation](/personal-loan/debt-consolidation) > [$12,000](/personal-loan/debt-consolidation/12000) > 5 years

# Debt Consolidation

Consolidating my debt

with a Personal Loan

Looking for a $12,000 loan for Debt Consolidation over 5 years?

## Rates

- 7.99% p.a. – 24.99% p.a.

## What customers say about debt consolidation

4.8 out of 5 from 39,401 reviews
ShopperApproved (37,113) · Google (2,113) · TrustPilot (175)

> "Quick easy process, made consolidation a breeze. Follow up phone call explaining process. Satisfied customer."
>
> — Linda, 3 days ago (TrustPilot), 5/5 stars

> "I love and appreciate how hassle free this entire process is.  I also appreciate that your customer service team are really helpful and non-judgemental.  Thank you for helping me consolidate some of my debts.  I really appreciate it."
>
> — Mihi N., 4 years ago (ShopperApproved), 5/5 stars

> "The process was quick and easy, all done online and approved within 24 hours. Have used Harmoney before and came back to them for a debt consolidation as the interest rate was a lot more competitive than others."
>
> — Ana F., 2 years ago (Google), 5/5 stars

> "i am happy as able to sort my debts pay over a timeline that I am able to meet..."
>
> — Candyce K., 2 years ago (ShopperApproved), 5/5 stars

> "Prompt and hassle free service. Thank you for making consolidation of debt super smooth and stress free."
>
> — Priya D., 4 years ago (ShopperApproved), 5/5 stars

> "I applied for debt consolidation and the offer they made me was very good. I would recommend them to anyone wanting assistance for sure."
>
> — Andrew G., 3 years ago (ShopperApproved), 5/5 stars

> "You made a stressful situation so easy and seamless. Thank you for your dedication to the customer experience. Highly recommend you, glad I listened to the great recommendation from friends. The lowest interest rates thus far."
>
> — Too A., 2 days ago (TrustPilot), 5/5 stars

> "I thought that it was too good to be true how fast I received my loan but harmoney made it possible. Thank you so much harmoney for helping me financially and giving me timely schedule to pay my debt back to you. I truly recommend harmoney! Fast process all around. "
>
> — Veisinia T., 2 days ago (TrustPilot), 5/5 stars

> "Extremely quick and easy to deal with, my interest rate was better than a normal big bank was offering. "
>
> — Angela C., 2 days ago (TrustPilot), 5/5 stars

## Other loan purposes

- [Home Improvements](/personal-loan/renovation-loan)
- [Holiday Expenses](/personal-loan/travel-loan)
- [Purchase Used Vehicle](/personal-loan/used-car-loan)
- [Purchase New Vehicle](/personal-loan/new-car-loan)
- [Business Cash Flow](/personal-loan/business-loans)