Simplify Your Finances With Bill Consolidation Loans

Are your bills piling up? Would you like to consolidate your higher-interest rate accounts?

Imagine having fewer checks to write and fewer due dates to manage each month. When you open a bill consolidation loan with Wells Fargo Financial, you can combine your consolidated monthly bills into one, easy-to-manage payment. Or, you can get access to extra cash to pay off other expenses.

Wells Fargo Financial will work with you to find the bill consolidation option that fits your budget. Our bill consolidation loans include mortgage refinances, auto refinances and credit card solutions.

Why Should I Consolidate My Bills?

My spouse and I can’t seem to manage debt. We spend close to $1,350 a month on our mortgage and have $778 of other expenses that pop up. I don’t know how we will ever get ahead. What consolidation options are available for us?

Does this sound familiar? Many individuals and families struggle with their finances, so it's reassuring to know bill consolidation options are available in the financial services industry.

When you consolidate bills, multiple debts are combined into one loan with one payment. By paying one payment each month, you no longer have to juggle as many bills. Plus, if you choose a consolidation solution with a lower interest rate, you may be able to pay your accounts off faster and pay less toward interest overall.

Consider Your Options

Do you have equity in your home or do you own your vehicle? Wells Fargo Financial offers several bill consolidation loans which could put more breathing room in your budget, but it's important to understand each of the options available. Compare our consolidation options.

Table 1: Consolidation Options

Consolidation Options	Key Features	May be Right for You If
Mortgage Refinancing	Tax deductible solution.1 Flexible terms available. Loan to value percentages available that extend beyond those of conventional or traditional mortgages.2 Apply online in eight minutes or less	You want to consolidate bills. You want fewer monthly payments. You would like to free up extra cash.
Auto Refinance	Refinance your auto loan to pay off balances with higher interest rates. Customize your terms and payments to meet your needs. Receive up to a 45-day break from payments.3 Get an instant online credit decision.	You need to lower your current monthly payment. You need extra cash to pay off other bills. You want an instant online credit decision.
Credit Cards	Convenient access to funds for purchases, cash advances and balance transfers.4 One, easy-to-manage monthly payment. Transactions are available online so you can track everyday spending.	You want the convenience of a revolving account. You need multiple ways to access your credit line. You enjoy the convenience of making your payments online.

Tips To Get Ahead

Industry experts offer several tips that you could use to get ahead.

• Pay yourself first by investing in a retirement savings plan.
• Pay down high-interest debt and tackle bills with the highest interest rates first.
• A consolidation loan could help you get your bills under control.
• Trim the fat from your spending. Spending just a few minutes with your budget could give you big savings.
• Keep some of your money liquid and build up an emergency fund with three to six months of living expenses.

Does a bill consolidation loan sound like it might meet your unique financial needs? Apply online today!