Q1: What's the minimum balance to consolidate through X-bankers?

A: You must have an outstanding balance of at least $5,000 in eligible credit card debt to consolidate under this program.

Q2: I have credit card debt and/or unsecured debt, but I also have bad credit. Can I still consolidate with xbankers.ca?

A: Bad credit, poor credit? No problem! There are no credit checks and no co-signers required for "debt-consolidation." We work solely with the debts you owe on, and nothing else.

Q3: Do I have to extend my terms when I consolidate?

A: Absolutely not! You can keep your payments and the terms the same. Also, you can customize it as low as 5 years (60 months). Keep in mind, there is no prepayment penalty.

Q4: Can I switch my repayment option later on?

A: Yes.