Do Consolidation Loans Count as Bad Credit Cash Loans?

There are so many different types of loans out there I am a bit confused. Is a bad credit cash loan different from a consolidation loan? I really want to be able to pay off all my debt with a loan that has a lower interest rate, and I am not sure if this is the right type of loan to use for this. I have to do some research I guess to see which type of loan has the lower interest rate and the longer payment period since I really need to get lower monthly payments for the debt that I have.