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Find Premium Debt Consolidation Leads from America’s Most Indebted Consumer Market
U.S. revolving credit card debt has surpassed $1 trillion and continues to climb.
Millions of American consumers — including homeowners with substantial equity — are carrying high-interest debt they want to simplify, reduce, and resolve. Debt consolidation leads represent one of the most consistently high-demand lead categories in consumer finance, and Lead Planet has been generating and delivering them since 1999.
We generate internet debt consolidation leads directly from our owned consumer websites, TV campaigns, radio spots, and direct mail programs — reaching consumers at the moment they actively search for a solution. Every lead is delivered in real time with custom filters for your company’s credit criteria, debt type, loan amount, and licensed states.
Ready to Get More Qualified Leads?
No contracts. No setup fees. $300 minimum to get started.
Talk to an account executive and get set up today.
Or call us directly: 888-271-9581
Debt Lead Types
Highest Loan Amounts
Secured Debt Consolidation Leads
Homeowners using a second mortgage, home equity loan, or HELOC to pay off high-interest credit card and consumer debt. High average loan amounts, strong financial motivation, and clear equity position. These are the most profitable debt leads for mortgage lenders and banks.
Largest Volume
Unsecured Debt Consolidation Leads
Consumers seeking a personal loan or debt consolidation program to roll multiple credit cards and unsecured bills into a single lower-rate payment. Ideal for personal loan lenders, credit unions, and fintech platforms. No home equity required — broader borrower pool.
Hardship-Motivated
Debt Management & Settlement Leads
Consumers in financial hardship seeking debt management plans (DMPs), credit counseling, or debt settlement programs. Ideal for nonprofit credit counseling agencies, debt relief companies, and lenders with hardship programs. High urgency and strong motivation to engage.
Why debt consolidation leads are valuable for mortgage companies: Homeowners carrying significant revolving debt are ideal second mortgage candidates. A mortgage company that offers a debt consolidation solution — secured by home equity — converts a debt lead into a funded second mortgage while building a loyal client relationship that extends to future refinances, purchases, and referrals.
Frequently Asked Questions Debt Consolidation Leads
A debt consolidation lead is a real-time online inquiry submitted by a consumer who is actively seeking to combine multiple debts — credit cards, auto loans, medical bills, personal loans — into a single payment at a lower interest rate or through a structured debt management program.
These consumers are not passively browsing. They are motivated by an immediate financial need: high monthly minimum payments, rising credit card rates, or an inability to make progress paying down balances. Lead Planet generates debt consolidation leads from owned consumer websites and multi-channel campaigns, delivering them to your firm in real time with complete intake data so your team can engage in the right product context from the first conversation.
A secured debt consolidation lead comes from a homeowner seeking to use their home equity — through a second mortgage, home equity loan, or HELOC — to pay off unsecured high-interest debts. These leads are ideal for mortgage lenders and banks because they typically involve higher loan amounts and the transaction converts a debt need into a funded home equity product.
An unsecured debt consolidation lead comes from a consumer seeking a personal loan or debt management program without pledging property as collateral. These leads serve a larger and more diverse borrower population — including renters and homeowners who prefer not to secure the debt against their property. Both types are available from Lead Planet with real-time delivery and custom filters.
Mortgage companies benefit from debt consolidation leads for two compounding reasons:
Immediate revenue from home equity products. Homeowners with significant revolving debt are prime candidates for second mortgages and home equity loans. A lender who offers a debt consolidation solution secured by home equity converts a debt lead directly into a funded loan — often with a higher average loan amount and stronger gross revenue than a standard refinance transaction.
Pipeline development. Debt consolidation borrowers who are not yet ready for a home equity product — because their credit score is insufficient or their LTV is too high — can become future mortgage clients once their debt is resolved. Mortgage companies that nurture these relationships generate a compounding pipeline of high-loyalty future applicants at relatively low acquisition cost.
Lead Planet delivers all internet debt consolidation leads in real time — typically within seconds of a consumer submitting their request. Delivery options include direct CRM or LOS integration, email notification, the Lead Planet lender portal, and live phone transfer.
Research on lead conversion timing shows that contacting a debt consolidation lead within 5 minutes of submission dramatically outperforms follow-up attempted 30 minutes later — and that over 90% of leads can eventually be reached through six or more contact attempts. Lead Planet’s real-time delivery gives you the maximum first-contact advantage; your follow-up system determines how fully you convert it.
Ready to Buy Debt Consolidation LeadsThat Convert?
Talk to a Lead Planet account executive today. We’ll build a custom debt lead program around your products, credit appetite, and licensed states — no long-term contracts required.