When you apply for a consolidation loan, lenders will conduct a hard pull of your credit to review your credit scores and account history. The higher your credit score, the more likely you are to qualify. A higher credit score may also mean a lower interest rate if you do qualify for the loan.
Once the lender reviews your credit, they will let you know if you are approved and what the interest rate and terms of the loan would be.
For a debt consolidation program, you can generally qualify as long as you have enough income to make a monthly payment on your debt.