Simplify Your Finances With One Lower Monthly Payment
Use your home equity to consolidate debt and save thousands
How Zenfi USA Works
We make debt consolidation simple and effective
Check Your Eligibility
Complete our simple pre-qualification form to see if your home equity can help you consolidate debt.
Get Your Custom Plan
Our specialists analyze your current debts and create a personalized consolidation strategy.
Simple Application Process
We handle the paperwork and guide you through every step of the approval process.
Enjoy Lower Payments
Consolidate your debts into one manageable monthly payment and start saving immediately.
The Zenfi USA Advantage
Why thousands of Americans choose us for debt consolidation
Lower Interest Rates
Replace high-interest credit card debt with a single low-interest mortgage payment.
One Simple Payment
Consolidate credit cards, auto loans, and other debts into one easy monthly payment.
Improve Credit Score
Reduce your credit utilization ratio and establish a positive payment history.
Cash Flow Relief
Free up hundreds or even thousands of dollars in your monthly budget.
Financial Stability
Create a clear path to becoming debt-free with a structured repayment plan.
Leverage Home Equity
Put your home's value to work improving your financial situation.
See If You Qualify in Minutes
Complete this short form to check your eligibility for our debt consolidation solutions.
- No impact on your credit score
- Fast, secure process
- Immediate pre-qualification results
Success Stories From Real Clients
See how Zenfi USA has helped hundreds of American homeowners
Zenfi USA helped me consolidate over $45,000 in credit card debt and two car loans. My monthly payments went from $2,100 to just $1,350. I can finally breathe again!
After my husband's medical emergency, we were drowning in bills. Zenfi USA consolidated everything and lowered our monthly payments by $850. Their team was compassionate and professional throughout the process.
I was skeptical at first, but Zenfi USA delivered exactly what they promised. My interest rates dropped from an average of 19% to just 5.2%, saving me thousands in interest over the loan term.
Frequently Asked Questions
Get answers to common questions about debt consolidation
How does debt consolidation with home equity work?
Debt consolidation through home equity works by using the value in your home to secure a new loan that pays off your existing debts. This allows you to replace multiple high-interest payments with one lower monthly payment, often at a significantly reduced interest rate.
Will debt consolidation hurt my credit score?
In most cases, debt consolidation actually improves your credit score over time. By reducing your credit utilization ratio and establishing a history of on-time payments on your new loan, you'll typically see your score increase within 6-12 months.
How much equity do I need in my home to qualify?
Generally, you'll need at least 15-20% equity in your home after the new loan is in place. Our specialists can evaluate your specific situation to determine if you have sufficient equity for debt consolidation.
How long does the debt consolidation process take?
The typical process takes 3-4 weeks from application to closing. Our streamlined approach helps ensure you can start enjoying the benefits of your consolidated payment as quickly as possible.
What types of debt can I consolidate?
You can consolidate most types of unsecured debt, including credit cards, personal loans, and medical bills. You can also include auto loans and other secured debt in many cases. Student loans may have special considerations.
Is there a minimum credit score required?
While we work with a range of credit profiles, most approved applicants have a credit score of 620 or higher. However, we evaluate each application on a case-by-case basis, considering factors beyond just credit score.
Ready to Take Control of Your Finances?
Join hundreds of satisfied clients who have simplified their finances with Zenfi USA.
Get In Touch
Our debt consolidation specialists are ready to answer your questions.
Call Us
(800) 555-1234
Mon-Fri: 8am-8pm EST
Email Us
info@zenfiusa.com
We respond within 24 hours
Visit Us
1234 Financial Way, Suite 100
Orlando, FL 32801
Schedule a Consultation
Fill out the form below to book a time with one of our specialists.
