Stop Paying 22% Interest on Your Credit Cards

Compare personal loan offers from 50+ lenders and consolidate your credit card debt into one lower monthly payment. Takes 2 minutes, no credit score impact.

50+

Lenders

2 min

To check rate

Cost to you

No credit score impact

100% free service

Funds as fast as next day

See how much you could save

Your credit card debt: $10,000

$2K$50K

Credit card interest/yr

$2,200

at 22% APR

Personal loan interest/yr

$1,000

at 10% APR

You could save $1,200 per year

Check Your Rate

Free, fast, no obligation

How much credit card debt do you have?

What's your estimated credit score?

First name

Email address

How It Works

Three simple steps to potentially lower your interest rate

Tell Us About Your Debt

Answer a few quick questions about your credit card balances and credit profile. Takes less than 2 minutes.

Compare Loan Offers

Get matched with personalized offers from our network of 50+ lenders. No commitment required.

Consolidate & Save

Choose the best offer and roll your credit card payments into one simple monthly payment at a lower rate.

Why Consolidate Your Credit Card Debt?

Americans pay billions in unnecessary credit card interest every year

Lower Your Interest Rate

The average credit card charges 22%+ APR. Personal loans can be as low as 6-12% for qualified borrowers.

One Simple Payment

Stop juggling 3, 4, or 5 different credit card bills. One loan, one payment, one due date each month.

Fixed Payoff Date

Credit cards can take decades to pay off with minimums. A personal loan has a clear end date - typically 2-5 years.

No Impact on Credit Score

Checking your rate uses a soft pull - it won't affect your credit score. Only a hard pull occurs if you accept an offer.

Common Questions

Everything you need to know before checking your rate

Will checking my rate affect my credit score?

No. We use a soft credit inquiry to show you potential offers, which does not impact your credit score. A hard inquiry only occurs if you choose to proceed with a specific lender's offer.

How much can I save by consolidating credit card debt?

It depends on your current rates and the loan offer you receive. For example, if you have $15,000 in credit card debt at 22% APR and consolidate into a personal loan at 10% APR, you could save over $3,000 in interest over 3 years.

Is this service really free?

Yes, 100% free. We are compensated by lenders in our network, not by you. There is no cost and no obligation to accept any offer you receive.

How quickly can I get the funds?

Many lenders in our network can fund approved loans as quickly as the next business day. Approval decisions are often made within minutes of completing the full application.

What credit score do I need?

Our network includes lenders who work with a range of credit profiles. While better credit typically means lower rates, options may be available even if your score is not perfect.