Debt consolidation, explained honestly
Trade tangled, high-interest card balances for one fixed monthly payment.
See exactly how long your debt will take to pay off today — and how a consolidation loan could change the math. No jargon, no pressure.
What a consolidation loan can do
One simple payment
Replace several card bills and due dates with a single fixed monthly payment you can plan around.
A real payoff date
An installment loan has a set term, so you know exactly when you’ll be debt-free — instead of paying minimums for years.
Potentially less interest
If your loan rate is lower than your cards’ APRs, more of every payment goes to the balance instead of interest.
Personal loans for consolidation typically range from about 7% to 36% APR depending on your credit. We help you compare lenders and find the right fit — not just one option.
Run your own numbers in 30 seconds
Enter what you owe, your interest rate, and what you pay each month. The calculator shows your payoff timeline as-is, then lets you compare it to a consolidation loan at any rate and term you’re considering.
Open the calculatorYears of payments, much of it interest
One fixed payment, a clear payoff date
Illustrative only. Your results depend on your actual rate and term.