Before vs. after consolidation
A simplified example — your results depend on your actual balances and approved rate.
See what consolidation could cost
Illustrative examples at a 11.9% APR. Your actual rate depends on your total balances and credit profile.
| Debt consolidated | Term | Est. APR | Est. monthly payment |
|---|---|---|---|
| $8,000 | 36 months | 11.9% | $265 / mo |
| $18,000 | 48 months | 11.9% | $472 / mo |
| $35,000 | 60 months | 11.9% | $778 / mo |
| $50,000 | 72 months | 11.9% | $942 / mo |
From several bills to one payment
List your debts
Tell us which balances you want to consolidate.
See your new rate
Soft credit pull — compare your new rate to your current ones.
We pay it off
Optional: we send funds directly to your creditors for you.
One payment
Make one fixed payment each month until it's paid off.
Debt consolidation questions
You can choose to have funds sent directly to your listed creditors, or deposited to your account so you pay them yourself.
No — consolidating pays down the balance, but whether to close the card afterward is entirely up to you.
Most borrowers qualify for a lower rate than high-interest credit cards, but your exact rate depends on your credit profile — we'll show it before you commit.
See your consolidation rate
Takes 3 minutes. Checking your rate won't affect your credit score.
Start My Application