Credit card consolidation loans
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Replace high card balances with one predictable payment.
Compare offersCredit card interest compounds, and minimum payments barely move the balance. A fixed-term personal loan gives you a real end date.
Before you switch, compare your current card rates with the offers you see. If the new rate is not lower, a balance transfer card or a payoff plan may be better.
Before you apply
- Pull your card statements and note each APR.
- Keep the cards open but stop using them for new spending.
- Use our debt consolidation calculator to compare both paths.
Questions
Is a personal loan better than a balance transfer card?
It depends. Transfers can be cheaper short term, while a loan gives you a fixed payment and payoff date.
Will closing my cards help?
Closing them can raise your utilization. Most people keep them open and unused.
How much can I consolidate?
Offers through MoneyLion go up to $100,000.
More: all personal loans · loan calculator · requirements
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