Lock in a fixed rate
With competitive rates, your monthly payment never increases.
CREDIT CARD CONSOLIDATION LOANS
Consolidate your credit card debt
What is a credit card consolidation loan?
A credit card consolidation loan lets you roll multiple high-interest credit card debts into a single loan with a fixed rate, term and one monthly payment. It could help you save money over the life of the loan with a competitive rate, putting you on a path to paying off debt.
A credit card consolidation loan could also diversify your credit mix and help improve your credit, as you reduce your total debt by making on-time monthly payments.
Apply NowWhy pay off credit cards with a personal loan?
Pay down your debt
With options to fit your needs, you could be on a clear path to becoming debt free.
Improve your credit score
When you pay debt down, your credit scores may go up.
Personal loans vs. Credit cards
Personal loans
- Installment loans can help you pay down debt and take control of your budget
- Single, fixed rate monthly payment is easy to manage
- Fixed monthly payment and payoff date saves you money over time
- Lower average APRs compared to credit cards2
Credit cards
- Revolving credit accounts can lead to overspending
- Managing multiple credit cards with variable due dates, limits, and terms is time consuming and stressful
- Low minimum monthly payments and revolving compound interest can trap you in a cycle of debt
- Higher average APRs are an expensive way to pay for large purchases
What Our Members Say
Easy to apply, quick turnaround, paid off my 5 credit cards, credit score got a big boost, payments and interest are lower. Highly recommend!3
—James, a member from Wisconsin
Read More Reviews
How to apply for a personal loan
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1. Apply online in minutes
Get customized loan options based on what you tell us.
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2. Choose your loan offer
Select the rate, term, and payment options you like best.
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3. Get funded in as little as 24 hours
Once your loan is approved for funding, we'll pay your creditors directly or send the money in as little as 24 hours.3
How can we help?
Savings depend on your current card APRs, total balances, and the loan offer you qualify for. A lower fixed rate can reduce your overall interest cost.
A consolidation loan has a fixed term, fixed payment, and a payoff date. Credit cards are revolving debt with variable balances and ongoing minimum payments.
Checking your rate starts with a soft inquiry. If you accept an offer, your account mix and utilization may change as balances are paid down.
It can be a strong option if you want one monthly payment, a fixed rate, and a structured payoff timeline to clear high-interest card debt.
No. Checking your rate uses a soft credit inquiry, which does not impact your credit score.1
If approved, funds may be sent in as little as 24 hours depending on the time of approval and your bank's processing windows.
You make one scheduled monthly payment for the term of the loan. Automatic payments can help you stay on track and avoid missed due dates.