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Simple pre-qual application in less than 1 minute.
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Choose the offer that best fits your needs.
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The average credit card interest rate exceeds 20%, making credit card debt one of the most expensive forms of borrowing. A credit card consolidation loan lets you pay off your balances at a much lower fixed rate, saving you potentially thousands in interest.
Several lenders even offer direct payment to your creditors, making the process seamless. Compare options below to find the best fit for your situation.
These lenders offer competitive rates and features designed specifically for paying off credit card debt.
| Lender | APR range | Loan amounts | Loan terms |
| SoFi | 7.99% – 29.99% | $5,000 – $100,000 | 24 to 84 months |
| Upgrade | 6.94% – 35.97% | $1,000 – $50,000 | 24 to 84 months |
| Best Egg | 8.99% – 35.99% | $2,000 – $50,000 | 36 to 60 months |
| Marcus | 6.99% – 24.99% | $3,500 – $40,000 | 36 to 72 months |
| Prosper | 6.99% – 35.99% | $2,000 – $50,000 | 24 to 60 months |
| LendingPoint | 7.99% – 35.99% | $2,000 – $36,500 | 24 to 72 months |
If you have $15,000 in credit card debt at 22% APR and consolidate to a personal loan at 12% APR, you could save over $3,000 in interest over a 3-year term while lowering your monthly payment.
Generally no. Keeping cards open with zero balances lowers your credit utilization ratio, which helps your credit score. However, if having open cards tempts you to spend, closing them may be the better choice for your financial health.
Yes, though your rate will be higher. Lenders like Upgrade (580+ score), Avant (580+), and Upstart (AI-based, no strict minimum) work with lower credit scores. Even at a higher rate, a personal loan may still be cheaper than credit card interest.
SoFi offers some of the largest personal loan amounts available, up to $100,000. SoFi charges no origination fees, no prepayment penalties, and no late fees. Members get access to financial planning, career coaching, and unemployment protection that pauses payments if you lose your job.
Marcus charges no fees — no origination fees, no prepayment penalties, and no late fees. Backed by Goldman Sachs, Marcus offers competitive rates and flexible payment terms from 36 to 72 months.
Best Egg has funded over $24 billion in loans since 2014. They offer a simple online application with funding as fast as one business day. Origination fees range from 0.99% to 8.99%.
Upgrade accepts credit scores as low as 580 and offers loans from $1,000 to $50,000. Reports to all three credit bureaus, helping build credit with on-time payments. Funds typically deposited within one business day.
Prosper is a peer-to-peer lending marketplace connecting borrowers with individual investors. Offers loans from $2,000 to $50,000 with terms of 24 to 60 months.
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