You may not see the option to Combine your loans for several reasons, including:
You have an active secured loan. Secured loans can’t be combined because your existing loans can’t be closed and rolled into a new loan.
You have a pre-approved available limit.
Borrowing from your pre-approved funds will always be set up as a separate loan with its own terms.Other loan-specific factors may apply.
Certain loan types or circumstances may also restrict your ability to combine your loans.
In any of these cases, you’ll need to keep your existing loan as is and start the new loan separately.