Loans

Explore debt consolidation

Consolidation describes the goal of combining debts. It does not create a separate lending product or establish a saving.

Compare the whole repayment plan

Gather balances, annual interest rates and current payments. Compare both monthly payments and full-payoff interest plus fees. A longer replacement term can lower each payment while increasing overall cost.

Model existing debts and a replacement

Choose a contract type to investigate

Check early-repayment charges on existing debts and origination or administration costs on a replacement. For example, Vancity publishes a separate consolidation administration charge; a generic zero-fee assumption is unsafe.

WalletReturn compares information and hypothetical costs. No application, identity collection or credit check takes place here. Lender approval, current contract terms and province eligibility must be confirmed with the lender.