Balance Credit offers unsecured personal loans, which differ from secured debt consolidation. Consolidating your debt allows you to reorganize your debt, but you still need to pay it in full. A secured debt consolidation loan requires a valuable asset to secure the debt, such as your home or car. By comparison, an unsecured loan like the one you may be able to get from Balance Credit, doesn’t require you to put your residence or primary means of transport on the line.