Say goodbye to credit card debt
Rates from 5.99% APR*
Loan amounts from $1,000 to $100,000
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|Lender||Rates from (APR)||Loan term||Loan amount|
|9.95% - 35.99%||2 - 5 years||Up to $35,000||Show details||Check Rate|
|5.99% - 29.99%||3, 5 years||Up to $35,000||Show details||Check Rate|
|5.99% - 29.99%||2 - 5 years||Up to $35,000||Show details||Check Rate|
|6.95% - 35.89%||3, 5 years||Up to $40,000||Show details||Check Rate|
|15.49% - 34.99%||2 - 4 years||Up to $25,000||Show details||Check Rate|
Marcus by Goldman Sachs
|6.99% - 28.99%||3 - 6 years||Up to $40,000||Show details||Check Rate|
|5.99% - 24.99%||2 - 5 years||Up to $35,000||Show details||Check Rate|
|6.95% - 35.99%||3, 5 years||Up to $40,000||Show details||Check Rate|
|6.98% - 35.89%||3, 5 years||Up to $50,000||Show details||Check Rate|
|8.09% - 35.99%||3, 5 years||Up to $50,000||Show details||Check Rate|
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Rogelio paid off his credit
The process was easy and quick. The rate was competitive and the staff very friendly. I was surprised to have been approved since my bank had turned me down. My loan was to refinance credit card debt.See review on Trustpilot
Nicole consolidated her
credit card debt
I was able to consolidate all of my credit card debt within days of my application. The process was quick and easy to understand. I highly recommend this service.See review on Trustpilot
high-interest credit card debt
Definitely recommend! Quick, easy and worth your time to consolidate credit cards! I finally have a way to pay this debt off in a short time.See review on Trustpilot
Getting rid of high-interest debt can save you money on interest payments.
Improve your credit
Making on-time payments on a loan can boost your credit score.
Know when you’ll be debt free
Instead of having an open-ended term with your credit card company, a loan provides you with an end date so pay off is in sight.
Having multiple credit card balances to keep track of can be difficult. A credit card consolidation loan pays down the balances on one or more of your high-interest credit card accounts.
This can simplify repayment and, in many cases, save you money by getting you a lower interest rate which can help you get out of debt faster.
Some credit card companies offer a credit card balance transfer which could also help simplify repayment of multiple credit card balances. But this differs from a debt consolidation loan in a few ways.
Although you may get a good introductory rate on a balance transfer credit card, it can expire in as little as six months. Balance transfer cards might also have a balance transfer fee.
When you consolidate credit card debt with a personal loan, however, you can choose loan terms with a monthly payment that matches your budget and doesn't change. Personal loans usually come with a fixed interest rate, but keep an eye out for origination fees.
These and other lender charges will be reflected in the annual percentage rate (APR) calculation that lenders will offer you.
Consolidating credit card debt can save money by helping you pay off your debt faster — and at a potentially lower interest rate.
With credit card debt, your repayment costs are unpredictable, since you'll typically have a variable interest rate that rises and falls when economic conditions change.
Let's say you're repaying $10,000 in credit card debt at 16.91% interest. In order to pay that debt off in two years, you'd have to make monthly loan payments of $494, and you'd pay $1,856 in interest charges.
Refinancing that debt into a two-year credit card consolidation loan with a 10.36% interest rate would lower your monthly payment by $31 and save you $741 in interest.
Many borrowers get even better rates on debt consolidation loans by checking with multiple lenders. The best rates are reserved for borrowers with good credit to excellent credit.
Learn More: How to Pay Off Credit Card Debt
If you're consolidating credit card debt with a personal loan, many online lenders can provide you with personalized rates in minutes, and approve your loan the same day. Some online lenders will fund loans as quickly as the next business day.
Before accepting loan offers, it’s a good idea to request rates from multiple lenders. Every lender has their own methods for evaluating borrowers, so comparing rates and terms can help you get the best deal.
Remember that credit card consolidation lenders consider how much of your monthly income is needed to repay your existing debt, your credit history, and credit score.
Bad credit is not an automatic disqualification for a new credit card or new loan. But if you have too much debt to qualify for credit card consolidation, consider credit counseling and creating a debt management plan.
Compare Rates: Best Personal Loans for Credit Card Debt
Whether you want to make more than the minimum monthly payment or pay off your loan entirely, none of the lenders on the Credible platform charge a prepayment penalty. You may, however, be charged a prepayment penalty by other lenders not on our platform.
So make sure to do your research first to see if you'll be charged a prepayment fee and, if so, how much.