A credit card consolidation loan essentially combines all your credit card debt into one manageable payment system. Not only does this help you manage your finances better, it can also help you get your finances back on track. At Loan Ridge, we know that applying for a loan can be a long and tedious procedure. That is why we have streamlined the process, making it as easy as 1, 2, 3. All you need to do is fill out our online application form.