Combine high-interest debt into one lower monthly payment. Compare rates from top lenders — no impact to your credit score.
📅 Last updated: June 2026 — Rates verified from lender websites. Compare multiple lenders before applying.
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APR ranges reflect each lender's published minimum and maximum rates. Your actual rate depends on your credit score, income, loan amount, and term. Always compare multiple lenders before applying.
Replace multiple high-interest debts with a single fixed monthly payment at a lower rate.
Pre-qualifying uses a soft pull — no effect on your credit score. Hard pull only happens if you formally apply.
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Consolidating credit card debt at 22% into a loan at 10% can save thousands over the life of the loan.
See exactly how much you could save by consolidating. Adjust amounts, APR, and term to get an instant estimate.
Debt consolidation is the process of combining multiple debts — such as credit card balances, medical bills, or other loans — into a single new loan with one monthly payment. The goal is to simplify repayment and, ideally, secure a lower interest rate that reduces the total amount you pay over time.
Checking your rate with most lenders uses a soft credit pull, which does not affect your credit score. If you formally apply, there will be a hard inquiry that may cause a small, temporary dip (typically 2–5 points). Over time, successfully managing a consolidation loan usually improves your credit score by reducing your credit utilization ratio.
Requirements vary by lender. Many top lenders prefer a score of 660 or higher for the best rates. Some lenders, like Upstart and Avant, accept scores as low as 580. If your score is below 580, you may want to explore secured loan options or work on credit repair first.
Savings depend on your current interest rates and the new loan rate you qualify for. A borrower with $20,000 in credit card debt at 22% APR who consolidates at 10% APR could save over $6,000 in interest over 5 years. Use our loan calculator to estimate your specific savings before applying.
A balance transfer credit card with a 0% intro APR is best if you can pay off the debt within 12–21 months and have good credit (typically 680+). A debt consolidation loan is better for larger balances, longer repayment timelines, or if you need to consolidate non-credit-card debt like medical bills or personal loans. Personal loans also offer fixed rates and fixed payments, which makes budgeting easier.