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Disclaimer
The information and tools on AR Unique Thoughts are provided for general educational purposes only. They do not constitute financial, credit, legal, tax or investment advice, and should not be relied upon as such.
Estimates, not guarantees
The Debt Consolidation Loan Calculator produces estimates using the numbers you enter and simplified assumptions — for example, treating minimum payments as fixed and excluding late fees, promotional rates and changes in your balances. Real lender offers, APRs, fees and repayment schedules will differ. Never make a borrowing decision on the basis of these estimates alone.
Not a lender or adviser
We do not lend money, arrange loans, or recommend specific lenders or products. Any mention of loan types (personal loans, balance transfers, consolidation services and so on) is descriptive, not a recommendation. Your eligibility, rate and terms depend entirely on the lender and your personal circumstances.
Do your own research
Before consolidating debt, compare multiple offers, read the full terms, and consider speaking with a qualified financial professional or a reputable nonprofit credit-counselling agency. What is right for one person may be wrong for another.
No liability
To the maximum extent permitted by law, AR Unique Thoughts accepts no responsibility for any decision made, or action taken, based on the content or tools on this Site.
By using this Site you acknowledge and accept this Disclaimer.