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To qualify for the balance transfer cards you typically need to have at least an average credit rating.
If you have bad credit this may not be an option for you.
You will not be able to get any new credit until you complete the program.
You may be able to qualify for a cash-out refinance with bad credit as low as 620.
There are several credit cards out there that offer a 0% initial interest rate between 12-24 months.
Many people choose to consolidate debt because of the high interest rates making it hard to pay down the principal balance.
Getting a consolidation loan with a high rate just doesn’t make much sense.
Debt consolidation loans for bad credit are either not possible, or come with high interest rates.