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HSM Consulting LLC, owner of whyconsolidatetoday (“WCT”) provides an online marketplace where interested consumers have an opportunity to receive loan and non-loan offers from a network of service providers. We are not lenders or creditors and do not make credit decisions. Referral arrangements with our partners make it possible for you to apply for a loan. Annual Percentage Rates (APR) range from 5.99% to 35.99% and loan terms range from 24 to 84 months. The APR calculation includes all applicable fees, including the loan origination fee. For example, a four year $10,000 loan with an interest rate of 16% and corresponding APR of 19% would have an estimated monthly payment of $299 and a total cost $14,352