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The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%., Your actual APR may be higher than the rate shown.
Consolidating debt could simplify your finances
If you have multiple higher-interest debts, a personal loan could help you combine them into a single loan with a predictable, fixed payment each month. See more tips and resources to help you manage debt.
Paying less in interest could reduce your debt faster
Use our Debt Consolidation Calculator to see how a new fixed interest rate could lower your monthly payment, interest paid, or both.
Manage debt on your terms
Customize your loan to fit your needs, with a term between 12 and 84 months and a loan amount from $3,000 to $100,000. You'll get a competitive fixed interest rate, a fixed monthly payment, and no hidden fees.
Get rates and funds quickly
You can check your loan options in minutes with no credit impact. Applying is quick, too — most customers get a same-day credit decision. If you’re approved, you could have funds the same day you sign for your loan.
Ready to get started?
Repay a personal loan in terms of 12-84 months. Rates range from 6.99% to 24.49% Annual Percentage Rate (APR), which includes a relationship discount of 0.25%. No origination fee or prepayment penalty. Representative example of repayment terms for an unsecured personal loan: For $16,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the monthly payment is $539. This example is an estimate only and assumes all payments are made on time.
Frequently Asked Questions
What is a debt consolidation loan?
A personal loan for debt consolidation combines multiple debts into a single loan with a fixed interest rate and repayment term. You can consolidate debts from credit cards, mortgages, and other sources. Please note that college student loan debt is not eligible for this type of personal loan.
Are debt consolidation loans a good idea?
Consolidating your debt can be a smart move if you have multiple higher-interest debts. It could help you pay off your debt faster, lower your interest payments, and get down to one monthly payment. You'll need to have a credit score that's high enough to qualify for a lower interest rate. Otherwise, a personal loan for debt consolidation may not be the right option for you.
How do debt consolidation loans work?
Debt consolidation merges other qualifying debts you have into one loan. When you're approved for the new loan, those funds are used to pay off existing debts. Depending on the terms of your new loan, you could simplify your finances by making a lower monthly payment and paying off your debt sooner.
Do debt consolidation loans hurt your credit?
In some cases, debt consolidation loans can temporarily lower a borrower's credit score. But they can also have a positive impact on your credit score in the long term, if the loan is used responsibly and payments are made on time.
