Individuals in Manitoba will have to qualify to receive a debt consolidation loan. Most financial institutions offer these loans but require specific qualifications, which can make them difficult to obtain. To receive a loan, your credit scores or income can play a factoring role. There are some cases in which you might need to offer some type of collateral to qualify. If your credit is too low or your income is insufficient, you may want to consider a consumer proposal instead, as it can receive better affordability rates. All of your options will be thoroughly explored with the help of our skilled team when you schedule a free consultation today.