Shop Your Loan
27% APRaverage credit card rate today

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.

See My Payoff Offers
✓ No credit impact$1,000–$100,000Real offers from 50+ lenders
All offersLowest APRLowest payment
$15,000 ▾48 months ▾Pay off credit cards ▾
Lender A
Best rate
APR
8.99%
vs. 27% card APR: save $8,420
Monthly
$373
Term
48 mo
Origination
0.00%
Total cost
$17,904
Lender B
Lowest payment
APR
10.75%
vs. 27% card APR: save $7,180
Monthly
$310
Term
60 mo
Origination
1.00%
Total cost
$18,600
Lender C
Shortest term
APR
11.49%
vs. 27% card APR: save $6,140
Monthly
$697
Term
24 mo
Origination
2.00%
Total cost
$16,728
Illustrative example for a $15,000 payoff loan vs. 27% average credit card APR (Federal Reserve G.19). Actual offers vary.

How it works

Three steps. No paperwork.

1

Tell us about you

A few basics — income, payoff amount, current balances. No SSN required to start.

≈ 2 min
2

See three real offers

We match you with our 50+ lender network in one soft credit check. Real APRs, not estimates.

Soft pull
3

Pay off your cards

Pick the best offer, apply with the lender, and many will pay your card issuers directly.

1–5 days

Loan purpose

What's this loan for?

Pick one to start your rate check.

Pay off credit cardsLower APR, fixed term.Consolidate my debtsCombine balances into one payment.Home improvementRenovations, repairs, additions.A major purchaseVehicle, wedding, medical.Something elseTell us what you're financing.
50+
Lenders in network
2 min
To compare offers
No
Credit impact to shop
100%
Free to compare

FAQ

The short answers.

Will shopping rates affect my credit score?

No. Shopping your rate with us uses a soft credit inquiry, which is invisible to lenders and does not affect your credit score. A hard inquiry only happens if you formally apply with a lender.

How much can a payoff loan actually save me?

On a $15,000 balance at the average 27% credit card APR, paying down over 4 years costs roughly $10,750 in interest. The same balance financed at 9% APR costs about $2,900 in interest — a difference of roughly $7,800. Your savings depend on your balance, term, and the APR you qualify for. Credit card APR based on the Federal Reserve's Consumer Credit G.19 release.

Will the lender pay off my credit cards directly?

Many of our partner lenders offer direct-to-card payment — they send funds straight to your card issuers so the balances are cleared without you moving money around. Others deposit funds to your bank account for you to pay the cards yourself.

How fast will I get funded?

Most of our lending partners fund approved loans within 1–5 business days after you sign. Some offer same-day funding.

Start shopping.

See My Payoff Offers

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

Checking your rate uses a soft credit inquiry that won't affect your credit score. Hard inquiry only when you apply with a lender.

Personal loans are online loans which generally range from $1,000 to $100,000. Loan terms, amounts, and APRs shown on this page are illustrative examples and are not specific offers from any lender. Your actual offer will depend on the lender, your credit history, income, debt-to-income ratio, loan purpose, and state of residence.

The 27% average credit card APR cited throughout this page is sourced from the Federal Reserve's Consumer Credit — G.19 statistical release, commercial bank interest rate on credit card plans, accounts assessed interest. Credit card APR data is updated quarterly; figures may differ at time of reading.

Savings comparisons are illustrative only and based on the example balance, APR, and term shown. Actual savings depend on your individual credit profile, balances, payoff strategy, and the offer you select. Paying off credit cards with a personal loan does not guarantee you will remain debt-free.