After my wife lost her job we maxed out our credit cards fast. Horizons got us back on track to live debt-free!

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Consolidate your debt...

Get one simple monthly payment for credit card, medical bills and unsecured debt.

  •   One Low Monthly Payment

  •   No Hidden Fees

  •   Will Not Affect Your Credit Score

Horizons Lending

Who We Are

Are you constantly bombarded by calls from creditors and burdened with an overflowing inbox? Look no further, because Horizons Lending is ready to offer assistance.

Say goodbye to the hassle of managing multiple bills and payments. With our convenient monthly payment option, you can consolidate all your debts into one, and it's likely to be nearly half of what you're currently spending. When interest rates are reasonable, paying bills can become a stress-free experience. Trust Horizons Lending to provide the support you need.

The 3 Steps To Becoming Debt Free


Complete our application: Help us get to know you and your debt.

Note: Your credit score will not be impacted.


You will be contacted by a personal financial consultant, usually within seconds, to get you started.


Start making lower payments. You could save $1000's in credit card interest.

Take Control of Your Debt

Horizons Lending

Are you feeling financially cluttered with unsecured debt? It can be overwhelming to keep track of multiple bills and payments each month.

With debt consolidation, you can streamline your payments into one manageable monthly bill. This will not only make it easier to keep track of your payments, but can also help you save money on interest charges.


Your Questions Answered

Debt consolidation is a financial strategy that involves taking out a new loan to pay off multiple existing debts. This can help to simplify your monthly payments by combining them into a single payment, and it may also be able to save you money by lowering your overall interest rate.

To consolidate your debts, you would first need to apply for a debt consolidation loan from a lender. This loan would be used to pay off your existing debts, leaving you with just one monthly payment to make. In some cases, the lender may be able to negotiate lower interest rates on your behalf, which can help to reduce your overall monthly payments and save you money.

Whether or not debt consolidation is right for you will depend on your individual financial situation. If you have a lot of high-interest credit card debt, for example, consolidation may be a good option for you because it could help you save money on interest. On the other hand, if you have a good credit score and can qualify for a low-interest personal loan, it may be more cost-effective to pay off your debts using that method instead.

Taking out a debt consolidation loan can have an impact on your credit score, but it will depend on a number of factors. If you make your monthly payments on time and in full, your credit score may actually improve because you are showing a good credit history. On the other hand, if you miss any payments or default on your loan, your credit score could be negatively affected.