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May 24, 2017 A co-signer with good credit can boost your odds of qualifying for a personal loan and lower your interest rate. See our list of lenders offering personal loans that allow co-signers, including options for good and bad credit.

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You could also consolidate your credit card debt on your own by taking out an installment loan. Many people prefer installment loans over payday loans because the monthly payments are fixed. Installment loans often have lower payments than payday loans because you can spread them out over a longer period.