Shop Your Loan

Shop three credit card payoff loans in two minutes.

Credit cards average 27% APR. A personal loan to pay them off usually runs less than half. Compare three real offers side by side in one soft-pull check.

Shop My Rate
No credit impact$1,000–$100,000Real offers, not estimates

Side by side. One check.

Here's what you'll see.

Lender A
Best rate
APR
8.99%
Payment
$635/mo
Term
36 mo
Lender B
Lowest payment
APR
10.49%
Payment
$553/mo
Term
48 mo
Lender C
Shortest term
APR
9.75%
Payment
$871/mo
Term
24 mo

Illustrative example for a $20,000 credit-card payoff loan. Actual rates and terms vary based on creditworthiness, loan amount, and lender.

How it works

1

Tell us about you

About 2 minutes. Basic info — no SSN to see rates.

2

See your offers

Compare real rates from multiple lenders — soft pull only.

3

Take the one you like

Pick your lender. Funds as soon as tomorrow.

Start shopping

Two minutes. Soft pull. No credit impact.

Pay off credit cards

Replace high-interest balances with a fixed-rate loan

Go

Consolidate my debts

Combine multiple payments into one lower monthly bill

Go

Something else

We can help with that too

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Checking your rate won't affect your credit score.

50+
lenders
2-min
check
No
credit impact
100%
free

FAQ

Will this hurt my credit score?Toggle
No. Checking your rate uses a soft credit inquiry that won't affect your credit score. A hard inquiry only happens if you choose a lender and apply.
Can I pay it off early?Toggle
Most personal loans in our network allow early payoff with no prepayment penalty. Check the specific terms of any offer before you sign.
Do I need to close my credit cards?Toggle
No. Most financial advisors recommend keeping cards open (but empty) to protect your credit utilization ratio. Up to you.
What if I get denied?Toggle
You compare multiple lenders in one soft-pull check — so a single denial doesn't end it. If no lender offers terms you want, you walk away with no credit impact.

Start shopping.

Shop My Rate

Not a lender. The operator of this website is not a lender, does not make offers for loans, and does not make credit decisions.

Rate & terms. Personal loans are online loans which generally range from $1,000 to $100,000. Your actual rate, loan amount, and terms are determined by our lender partners based on your creditworthiness and other factors.

Credit impact. Checking your rate uses a soft credit inquiry that won't affect your credit score. A hard inquiry only happens if you apply with a lender.

Sources. Credit card APR data: Federal Reserve Consumer Credit Report. Comparison-shopping behavior: CFPB shopping-behavior research; LendingTree and Consumer Reports rate-shopping studies.