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Content articles 1. You can get a loan with a bad credit score 2. You can get a loan with a low credit score 3. You can get a loan with a high credit score 4. You can get a loan with a low income Debt consolidation is a great way to manage multiple debt payments. It can help you save money and improve your credit score. However, it is important to shop around before accepting any loan. Look for lenders that do not require a hard inquiry on your credit report. The minimum acceptable credit score for a debt consolidation loan varies by lender. Generally, it will be higher than the average credit score. 1.