Debt consolidation loans: one payment, one rate, one end date.
Roll two or three high-interest balances into a single fixed-rate loan of $2,000 to $5,000. Lower the rate, stop the minimum-payment treadmill, and know when it ends.
What debt consolidation typically costs
Ballpark ranges in the U.S. — get a written quote before you borrow so you request only what you need.
Before you borrow
- Only consolidate if the loan APR is lower than the cards' — run the math on our personal loans page.
- Pay the cards off the day the loan lands, then keep them open but empty.
- Pick a term by the payment, then pay extra — no prepayment penalty on most loans.
- Don't add new balances to the cards; that's how consolidation fails.
How it works for debt consolidation
One request, lenders licensed in your state, the agreement before you sign.
Request now- RequestAmount, pay date, checking account — 3 minutes
- Soft checkEligibility without touching your score
- AgreementAPR, schedule and total shown; decline free
- FundedNext business day; same day possible
Debt consolidation loan FAQ
Does the lender pay my cards directly?
Usually not — funds arrive in your account and you pay each card. Keep the confirmations.
Will consolidating hurt my score?
A hard inquiry when you accept, then utilization drops as the cards are paid — most people see their score rise within a few months of on-time payments.
What if my debt is over $5,000?
Consolidate the highest-rate portion and keep paying the rest, or look at a credit-union consolidation loan.
Cover the debt consolidation — then get on with your week.
Request $2,000 – $5,000 with a soft credit check. See the full cost before you decide.