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When you’re drowning in credit card debt, it can be hard to come up for air. You’re stressed about making sure payments are on time — and about coming up with the minimum amount. You might even avoid making your monthly payment if you can’t afford it, which can crush your credit.

But you don’t have to avoid your credit card debt to make it go away — you just need to take steps to conquer it. A low-interest personal loan can help you tackle your high-interest credit card debt. We looked at lenders (including online lenders) which had APRs starting under 6.00% to show you some low-interest personal loans you can take advantage of today.

The personal loan companies in the table below compete for your business through Credible. You can request personal loan rates from all of these partner lenders by filling out just one form (instead of one form for each), and without a hard credit pull. You must be a U.S. or permanent resident alien to apply.

Low-interest rate loans you can get right now

Before you decide on a loan, make sure you’re reviewing all the loan options you have. Take into consideration APRs, the amount you can borrow, and the minimum credit score amount you need to qualify.

LightStream

LightStream has one of the lowest rate offers. If your credit is good, you have a solid chance of qualifying.

  • APR: Fixed starting at 3.34%+
  • Terms: 2 to 7 years
  • Loan amount: $5,000 to $100,000
  • Fees: None

LightStream doesn’t disclose the minimum FICO score needed, but suggest having at least five years of credit history, a strong payment history, and stable annual income.

See LightStream Rates Now

FreedomPlus

You can use a FreedomPlus loan for things like debt consolidation, home improvement, medical expenses, and more.

  • APR: Fixed starting at 4.99%+
  • Terms: 2 to 5 years
  • Loan amount: $10,000 to $35,000
  • Fees: Origination and late payment fees

FreedomPlus doesn’t specify what the minimum credit score needs to be to take out a loan with them.

See FreedomPlus Rates Now

Best Egg

Best Egg offers low amounts and you can have money in your account within a day.

  • APR: Fixed starting at 5.99%+
  • Terms: 3 to 5 years
  • Loan amount: $2,000 to $35,000
  • Fees: Origination, late, and processing fees

Best Egg doesn’t specify what your minimum credit score needs to be to qualify.

See BestEgg Rates Now

Payoff

Payoff has low or no fees compared to other lenders, but have some restrictions on eligibility depending on where you live.

  • APR: Fixed starting at 5.99%+
  • Terms: 2 to 5 years
  • Loan amount: $5,000 to $35,000
  • Fees: Origination fee

You’ll need a 640 minimum FICO score to qualify. Payoff isn’t currently available in Massachusetts, Mississippi, Nebraska, Nevada, and West Virginia.

See Payoff Rates Now

Looking for more personal loans? Check out the best personal loan lenders on Credible.

How to get approved for low-interest loans

Before considering a loan, you’ll want to ensure your finances and credit history are in good shape. Here are three actions you should take before applying.

1. Check your credit report

Your credit report shapes how much lenders trust you. It details your creditworthiness — how often you make payments on time, how much you borrow from creditors, and how long your credit history is. If you want a lower rate loan, you’ll have to have a good or excellent credit score.

If your credit score is a little too low for a loan on your own, look into finding lenders that offer loans with a cosigner.

2. Beef up your score

Your credit score will determine your interest rate. Generally, the higher your credit score, the lower the interest rate will be on your loan.

So if you have the time to get your credit score up, take advantage of it. Ensure you’re paying your bills back on time and paying at least the minimum payment every month. After a few months, your credit score should go up, which will give you a better chance of getting a low-interest loan.

3. Consider other fees and loan terms

When you’re trying to pay off debt with a personal loan, it’s easy to take the first personal loan offer you get. But it’s important to review all your loan options and not just interest rates. Look into other fees, like application, origination, late payments, and prepayments. These fees can cost you a lot every month — much more than what your original loan amount is worth. Look for lenders that have low fees.

Also, check repayment terms. The longer the life of the loan, the less you have to pay back every month. If you think you’ll struggle to make your monthly payment, try to get a loan that has longer repayment terms. That way you’ll know you’ll be able to at least make the minimum. And if you’re able to pay more per month, you can pay it off sooner. But keep in mind, if you go this route, you’ll typically end up paying more in interest over time.

It’s also worth seeing if the lender offers any discounts like an autopay discount. This will usually save you about 0.25% for setting up automatic payments from your bank account.

Don’t settle, always compare lenders first

Having a low or bad credit score might make you feel like you won’t get any personal loan offers, but that’s not the case. However, it’s important to compare as many lenders as you can before settling on one. Review the interest rates, fees, and how long the loan term is before completing a full application.

Credible makes it easy to compare rates from multiple lenders all by just filling out one simple form. It only takes about 2 minutes to request prequalified personal loan rates and only a soft credit inquiry is conducted (so your credit score isn’t affected).

Compare Rates Now