Over 2,000 Homeowners Have Given Us 5-Star Reviews

Since 2015, our team has been helping homeowners get better rates and save more money. Our clients love us!

SMART MONEY

Use equity to pay 50% less

Consolidating credit cards and personal loans is most effective with mortgage products like home equity loans and HELOCs, which offer significantly lower interest rates and monthly payments. On average, we can help homeowners save around $750 per month—or $9,000 per year—by consolidating $50,000 of credit cards + loans.

Common questions from clients on consolidation:

1
How does consolidation help?
Pay 50% less interest, boost your score within 90 days, and simplify your life with one payment.
2
How about consumer proposals?
Proposals remain on your credit history for 3 years after the proposal was paid or 6 years after the proposal was filed. The costs generally outweigh the benefits.
3
How long does the process take?
The process usually takes about 2 weeks from start to finish, but we'll always match our client's pace and urgency.
4
What are your rates?
Lenders decide based on your income, credit, and equity. As brokers, our job is to help you get the best offers. If you don't want to break your current mortgage, you can get a home equity loan with rates starting at 6.99%.
5
What are my next steps?
Call us or apply online. We'll show you how much you can save and what you might qualify for, collect some documents, and present the best options on the market.

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Paid off $85,000in credit cards & car loan
Credit score increased to 720after 3 months

Case Study: Saved $1,400+/mo

Julia is making good money as a marketing manager but she feels like her finances are negatively impacting her well-being. She's paying about $2,275 per month towards her $45,000 of credit cards balance and the $40,000 left on her car loan.

She has very little disposable income to spend on activities and she feels anxious constantly. While her payments are always on time, her credit score is going down because her credit card balances are always close to their limits.

How 360Lending helped Julia saved $1,400/mo

Julia has about $420,000 left on her mortgage which is locked in at a great rate for another year. We ordered an appraisal with an approved appraiser and confirmed that her condo's market value is $900,000.
We advised Julia that she has lots of equity available in her home and the most suitable product for her would be a home equity loan if she wants to keep her existing mortgage.
Our team will be able to help her refinance her mortgage after her cards + loans are paid and her credit score is improved over the next 12 months.

Results

Julia paid off $85,000 of credit cards, saved over $1,425 per month and her credit score went back up to 720 after 3 months. Her quality of life improved immediately and she started a college fund for her daughter with her savings.

Find out how much you can save:

How much do you owe?

How much do you pay per month?

INTEREST PAYMENT COMPARISON

Current payment

$0 / month*

360Lending payment

$0 / month*

Your estimated interest savings

$0 /month*

or save

$0in payments over 12 months*

with 360Lending payment

Paying off your credit cards will help boost your score within 60-90 days

*The information presented is for illustrative and educational purposes only. Monthly payments are an estimate. Calculations are made assuming an APR of 11.99% for 360Lending payments and an APR of 19.99% for fixed payments with your credit card provider.

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