Discover Debt Consolidation Loans Services in Columbus, Ohio

Struggling with multiple debts in Columbus doesn’t have to be overwhelming. The city offers numerous reputable debt consolidation services that can help you regain financial control and find your path to freedom from debt.
Columbus residents have access to diverse debt relief options, from nonprofit credit counseling agencies to major banks and credit unions. These institutions provide personalized solutions with interest rates ranging from 8.87% to 29.49% APR, making debt management more affordable and streamlined.
This comprehensive guide explores the top debt consolidation services in Columbus, examining their core offerings, benefits, and qualification requirements. Whether you’re dealing with credit card debt, medical bills, or personal loans, you’ll discover the most suitable options for your financial situation.
Top List Consolidate Debt in Columbus OH
If you’re looking for the best debt consolidation services in Columbus, Ohio, below are some top-rated services and lenders in the area:
Jump Legal Group
Jump Legal Group is a Columbus-based law firm with over 20 years of experience specializing in debt relief and bankruptcy solutions.
As of January 2025, they maintain an active presence in Central Ohio, offering comprehensive legal services for individuals struggling with debt.
Core Services
- Chapter 7 and Chapter 13 bankruptcy representation
- Debt settlement negotiations
- Student loan debt management
- Foreclosure defense
- Credit harassment protection
Program Benefits
Feature | Details |
---|---|
Consultation | Free initial consultation |
Fee Structure | Transparent upfront costs, no hidden fees |
Timeline | Debt-free solutions in 24-48 months |
Coverage Area | Multiple locations across Columbus |
Support | Personalized attorney representation |
Qualification Requirements
- Must schedule an initial consultation
- Provide complete financial documentation
- No minimum debt requirement for consultation
Note: The firm specifically does not offer debt consolidation services, focusing instead on legal debt relief solutions through bankruptcy and settlement options.
Guerrieri, Cox & Associates
Guerrieri, Cox & Associates is a Columbus-based financial advisory firm specializing in debt management and bankruptcy solutions.
With over 25 years of experience, Guerrieri, Cox & Associates provide personalized financial guidance to individuals and businesses facing debt challenges.
Core Services
- Debt management consultation
- Bankruptcy filing (Chapter 7 & 13)
- Credit counseling services
- Financial planning
- Creditor negotiation
Program Benefits
Service | Advantage |
---|---|
Consultation | Free initial meeting |
Legal Protection | Immediate creditor contact cessation |
Payment Plans | Flexible monthly arrangements |
Documentation | Complete case management |
Support | Dedicated financial advisor |
Qualification Requirements
- Must provide current financial statements
- Income verification required
- List of all creditors and debts
- Recent tax returns
- Asset documentation
- No minimum debt amount required
Contact Information
- Main Office: 1900 E. Dublin-Granville Rd, Columbus, OH
- Phone: (614) 267-2871
- Hours: Monday-Friday 9:00 AM – 5:00 PM
- Website available for online scheduling
- Emergency after-hours contact available
Money Fit
Money Fit is a nationwide nonprofit organization that has helped over half a million people pay off nearly $2 billion in debt since 1996.
They specialize in debt consolidation without requiring new loans, focusing instead on negotiating with creditors to achieve better terms for their clients.
Services Offered
- Debt Management Plans that consolidate multiple debts into one payment
- Credit counseling with certified counselors
- Budget planning and financial education resources
- Credit report reviews and analysis
- Emergency savings planning guidance
Why Choose Them
- No new loans required – they work directly with creditors
- Potential to reduce interest rates and eliminate fees
- Debt-free timeline of 5 years or less
- Comprehensive support including financial education
- Available nationwide with personalized local service
Core Benefits
- Stop collection calls and late fees
- Lower monthly payments by up to 50%
- Works with major credit card companies
- Free consultation and personalized plans
- Specialized programs for military and first responders
InCharge Debt Solutions
InCharge Debt Solutions is a nationwide nonprofit organization that provides debt consolidation services to help consumers get out of debt.
Incharge Debt solution specialize in debt consolidation programs that combine multiple credit card balances into a single monthly payment with lower interest rates.
Key Services
- Debt consolidation loans with rates ranging from 6% to 36%
- Home equity loan options for homeowners
- Balance transfer credit card assistance
- Line of credit solutions for total debt management
- Unsecured debt consolidation programs
Benefits
- Won’t significantly hurt your credit
- Flexible debt repayment terms of 3-5 years
- Best debt consolidation options for those with excellent credit
- Must have a credit score of at least 620 to qualify for a debt consolidation loan
Why Choose InCharge
- Helped clients pay off over $3 billion in debt
- We’re here to help with personalized solutions
- Consolidate your debt with or without loans
- Best debt management plans nationwide
- Available in Columbus and nationwide
Note: Debt consolidation might not be suitable for everyone. Success depends on individual financial circumstances and commitment to the program.
Trinity Debt Management
Trinity Debt Management is a trusted nonprofit credit counseling agency operating in Columbus and nationwide since 1994, helping those struggling with debt and financial challenges.
Their certified credit counselors work with clients to develop personalized solutions for managing current debt and improving your credit.
Core Services
- Debt management program to consolidate your credit card debts
- Assistance with medical bills and auto loans
- Credit history review and credit utilization ratio analysis
- Help paying off debt at lower credit score friendly terms
Program Benefits
- Get a debt consolidation loan with flexible loan terms
- Pay your creditors through one monthly payment
- Reduce debt faster without additional debt
- Debt consolidation can help preserve available credit
Why Choose Trinity
- Better Business Bureau accredited organization
- Helps Ohio residents and OH debt situations
- Expertise to help you discover the best path to becoming debt-free
- Balance transfer card guidance for those struggling with credit card debt
Process Overview
- Review copy of your credit from major credit bureaus
- Evaluate options to consolidate high-interest credit
- Create plan to reduce your pile of debt with best credit practices
- Work with debt consolidation companies to secure favorable rates and terms
- Develop strategy to avoid damage your credit while working toward debt
Freedom Debt Relief
Freedom Debt Relief is a leading debt settlement company that helps consumers reduce their debt load through negotiated settlements. They specialize in helping clients who are considering applying for a debt consolidation or transferring debt to a balance transfer.
Core Services
- Negotiates with creditors to settle debt at a lower rate
- Customizes debt payments to fit your budget
- Helps clients who need a credit score improvement
- Experts who debt and negotiate with creditors directly
Program Benefits
Feature | Advantage |
---|---|
Settlement Process | Professional negotiators work directly with creditors |
Payment Structure | Single monthly deposit into dedicated account |
Timeline | Most clients complete program in 24-48 months |
Support | 24/7 online client dashboard access |
Qualification Requirements
- $7,500 or more in unsecured debt
- Regular source of income
- Ability to make monthly program deposits
- Commitment to stop using credit cards
Kemba Credit Union
Kemba Credit Union offers some of the best debt consolidation loan options, providing personalized lending solutions to help members combine multiple debts into a single manageable payment.
With competitive rates starting from 12.90% APR and loan amounts ranging from $500 to $50,000, they focus on creating excellent digital lending experiences for their members.
Core Services
- Personal loans and lines of credit for debt consolidation
- Credit builder loans ($500-$2,000) for establishing credit
- Quick cash loans ($300-$1,500) for immediate needs
- Digital lending platform for seamless application process
Program Benefits
Feature | Details |
---|---|
Interest Rates | Starting at 12.90% APR |
Loan Terms | Up to 60 months |
Monthly Payment Example | $227.10 per $10,000 borrowed |
Additional Perks | No origination fees for members |
Qualification Requirements
- Must become a credit union member
- Income verification required
- Credit score requirements vary by loan type
- Direct deposit may be required for certain loans
- Debt-to-income ratio evaluation
Contact Information
- Phone: 614.235.2395 or 800.282.642010
- Multiple branch locations across Central Ohio
- Online application available
- Free consultation with financial experts
Note: As of January 2025, Kemba offers flexible options even for those with less-than-perfect credit, with personalized solutions available through their dedicated financial advisors.
SoFi
SoFi is a leading online lender offering comprehensive debt consolidation solutions since 2011. With over 5.5 million members and 40+ financial products, they specialize in helping borrowers with good credit consolidate and refinance their debt with competitive rates.
Core Services
- Personal loans ($5,000-$100,000)
- Student loan refinancing
- Credit card debt consolidation
- Home equity loans
- Mortgage refinancing
Program Benefits
Benefit | Details |
---|---|
Interest Rates | 8.99%-29.49% APR with autopay |
Loan Terms | 24-84 months |
Funding Speed | Same-day funding available |
Fee Structure | No origination, prepayment, or late fees |
Rate Discounts | 0.25% autopay discount, 0.25% direct deposit discount |
Qualification Requirements
- Credit score minimum: 650-680
- Must be U.S. citizen or eligible resident
- Solid financial history and employment status
- Income verification required
- Debt-to-income ratio evaluation
- Clean credit history with no recent bankruptcies
Additional Features
- Unemployment protection program
- Free financial planning services
- Mobile app for loan management
- Joint application options
- Multiple loan refinancing allowed
Note: As of January 2025, SoFi maintains competitive rates and continues to expand its services while focusing on borrowers with strong credit profiles.
Truist Bank
Truist Bank is a major financial institution offering comprehensive debt consolidation solutions with same-day funding capabilities. Their personal loans start at $3,500 and feature competitive fixed rates, making them an attractive option for debt consolidation and major expenses.
Core Services
- Unsecured personal loans ($3,500-$50,000)
- Direct payment to creditors for debt consolidation
- Fixed-rate consolidation loans
- Online and in-branch applications
Program Benefits
Feature | Details |
---|---|
Interest Rates | 8.87% – 17.82% APR |
Loan Terms | Up to 84 months |
Fees | No origination fees |
Funding Speed | Same-day funding available |
Payment Flexibility | Adjustable payment dates |
Qualification Requirements
- Must be 18 years or older
- Good to excellent credit history
- Two years of address and employment history
- U.S.-based cell phone number
- Verifiable income and employment
- Clean credit report with strong payment history
Note: As of January 2025, Truist offers fixed rates for the life of the loan, and approval decisions are made using a holistic review of the applicant’s financial profile rather than just credit scores.
How Debt Consolidation Works in Columbus, Ohio
Debt consolidation in Columbus combines multiple debts into one manageable monthly payment, often with lower interest rates.
This process helps residents simplify their debt management while potentially saving money through reduced interest charges and fees.
Understanding the Process
Step | Action |
---|---|
Assessment | Review current debts and credit score |
Application | Choose a lender and submit required documents |
Approval | Receive loan terms and consolidation offer |
Disbursement | Lender pays off existing debts |
Repayment | Begin single monthly payments |
Important Considerations
- Interest rates vary by credit score
- Some options require collateral
- Fees may apply
- Term lengths affect total cost
- Credit impact varies by method
Success depends on maintaining consistent payments and avoiding new debt during the consolidation period.