What We Offer


What We Offer

consolidating your credit card loans

Consolidating your credit card loans can be achieved through methods like balance transfers, personal loans, or utilizing home equity, offering options to simplify repayment and potentially reduce interest costs.

Credit Card Balance Transfers

For individuals capable of settling their entire balance within the introductory period, transferring debt to a lower interest rate credit card proves to be the optimal choice.
Fast & Easy Approval.


While home equity lines of credit (HELOC) can assist in consolidating debt, they are solely accessible to homeowners with significant home equity, and converting unsecured credit card debt into a secured loan tied to your home entails inherent risks.


For individuals who are approved, a personal loan offers a swift and effective method to consolidate credit card debt, serving as an unsecured option that often proves to be the most favorable choice.

What are our Rates & Terms?

Rates & Terms

Benefit from our competitive fixed rates and user-friendly terms that set you on the path to swiftly eliminating your credit card balances, offering rates ranging from 4.99% APR to 34.99% APR, the flexibility to select loan amounts between $5,000 and $100,000, choose terms from 1 to 5 years, and a transparent origination fee structure that covers all loan-related expenses while eliminating common charges like application fees, prepayment penalties, and annual fees, ensuring clarity and simplicity throughout the process.

What are your Approval Factors?


LendBee’s Loan Coaches are extensively trained to assist you in completing your application to maximize your chances of approval, focusing on the comprehensive view of your financial situation rather than just your credit score. Unlike others with strict lending practices, Lendbee Financial is dedicated to finding a way to help you.


To safeguard your credit, LendBee considers factors beyond a single number, as exceeding a 30% utilization ratio can adversely impact your creditworthiness.


Your debt-to-income ratio (DTI) assesses the proportion of your gross monthly income utilized for housing, credit card payments, and other debts, with a DTI exceeding 50% indicating a potential paycheck-to-paycheck lifestyle. LendBee advises keeping your debt expenses below this threshold.

INCOME HISTORY: 1-2 years minimum

Demonstrating a stable and verifiable source of income establishes your financial stability, requiring a minimum of 1-2 years of income history.

FICO: Higher

While LendBee acknowledges the significance of your FICO Score in summarizing your credit history, we offer loan options that are not solely FICO-driven, recognizing that you are more than a three-digit credit score, and we strive to provide tailored solutions.


Lendbee’s Loan Coaches understand that your financial needs are unique, and we are committed to guiding you through the process to find real solutions, regardless of your FICO Score, offering alternatives beyond traditional FICO-driven offerings.

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