How consolidation actually changes your monthly math
Combining balances doesn't erase debt — it changes the shape of your payments. Here's how to tell if that shape actually works in your favor.
Read the articleCredit & lending advisory
Credit decisions your future self will thank you for.
Garner Advance sits on your side of the table before you sign anything — comparing real offers, explaining the fine print, and matching you with financing that fits your actual budget, not just your credit score.
$180M+funded through partner lenders since 2014
14,200+clients advised nationwide
4.8 / 5average client rating
Estimate a personal loan
Adjust the sliders — this is illustrative, not an offer.
Loan amount$12,000
Repayment term36 months
Estimated monthly payment
$0 /mo
Illustrative APR
7.9%
Illustrative APR shown for demonstration purposes on this page only. Your actual rate depends on credit profile, income, and the partner lender selected during your consultation.
Total funded through partner lending institutions since 2014
$180.4M
Individuals and business owners advised to date
14,200+
Average time from signed offer to funds deposited
2.3 days
Average client rating across 2,300 verified reviews
4.8 / 5
Six ways we help people borrow on better terms
Every engagement starts with a conversation about your goals, not a product we're trying to sell you.
01
Personal debt consolidation
Combine credit cards and high-interest balances into one fixed monthly payment, often at a meaningfully lower rate.
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02
Small business credit lines
Working capital for inventory, payroll, or a slow season — draw only what you need, when you need it.
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03
Auto loan refinancing
Keep the car, lower the rate. Most clients see their first lower payment within one billing cycle.
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04
Home equity advance
Borrow against equity you've already built for renovations, tuition, or major one-time costs.
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05
Credit rebuilding program
A structured, month-by-month plan to repair and strengthen a damaged credit profile.
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06
One-on-one financial coaching
Sit down with an advisor before you borrow anything at all — sometimes the right answer is to wait.
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From application to funded, in four steps
No surprises between the offer you see and the offer you sign.
1
Apply online
Five minutes, and the initial check doesn't affect your credit score.
2
We review your full picture
Income, existing obligations, and what you're actually trying to accomplish — not just a score.
3
You get a real offer
Rate, term, and exact payment shown clearly before you commit to anything.
4
Funds move
Direct deposit, typically within two business days of your signature.
Notes from our advisory desk
Short, practical reading — written by the people who sit in these conversations every day.
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Financing a small business without giving up equity
Not every growth stage needs an investor. A closer look at when a credit line does the same job as raising capital, for less.
Read the articleWhat clients say after the paperwork is done
A few of the 2,300+ reviews we've collected from people we've worked with.
★★★★★
"They walked me through three different offers and told me flat out which one was the worst deal, even though it had the lowest headline rate. I didn't expect that kind of honesty."
Priya Nataraj
Small business owner, Ohio
★★★★★
"My monthly payments dropped by almost 30% after consolidating three cards. The advisor actually asked about my budget before recommending anything, which felt new."
Daniel Ruiz
Consolidated three balances
★★★★☆
"The home equity process took a bit longer than I hoped, but every delay was explained clearly and nothing changed in the terms between quote and signing."
Lena Kowalski
First-time homebuyer, renovation