Take charge of your debt with a credit card consolidation loan.
Pay off your credit cards with a personal loan between $2,000 and $45,000.
Checking your rates won't impact your credit score.
Why Rocket Loans℠ for credit card consolidation?
Same day funding available
You could receive your loan money as soon as today.
No early payoff penalties
Because paying off your loan sooner should be a good thing.
Fixed rates forever
Once you close on your loan, you'll lock a rate that never changes.
Break up with credit card debt for good.
Struggling with multiple credit card balances? Using a personal loan to pay off credit card debt could help lessen the load. Here's how:
Simplify your interest rate
Consolidate all credit card interest into one fixed rate - which may be lower than what you pay now.
Streamline your finances
Ditch the juggling act with one set payment that keeps your monthly bills and budget on track.
Avoid missed payments
Credit card consolidation could make it easier to make timely payments which may boost your credit score over time.
Clients love Rocket Loans for credit card consolidation
Rocket Loans already saved me $180 in interest in one day by funding my account so I can pay off high limit cards very quickly.
William W., April 2024
Ready to apply for a credit card consolidation loan?
Our rocket-fast application process is simple and secure.
1. Tell us about you
Enter some personal details such as your income and address.
2. Check loan offers
Explore different loan offers that you're prequalified for.
3. Select your loan
Choose a loan offer that fits your needs and help us verify your details.
4. Sign your offer
Close on your offer online and receive your loan money as soon as today.
Credit card consolidation questions, answered
Understand the ins and outs of credit card debt consolidation.
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Yes, a personal loan for debt consolidation can help you consolidate your credit cards along with other unsecured debts such as:
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Medical bills
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Payday loans
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Signature loans
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Other high-interest loans
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Consolidating business credit cards with a personal loan for debt consolidation, while possible, is not recommended. If you'd like to consolidate your business credit cards, consider the following options to keep your business and personal finances separate:
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Business debt consolidation loan
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Business line of credit
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Negotiate with credit card companies for lower interest rates
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Using a consolidation loan to pay off existing balances on your credit cards won't automatically close your credit card accounts.
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Checking your rates with Rocket Loans won't impact your credit score. However, if you choose to close on your loan, there will be a hard credit check. This may cause a temporary credit score dip, but some clients find the long-term benefits of credit card consolidation far outweigh a temporary score decrease. Paying off your credit cards with a personal loan could actually help lower your credit utilization rate over time, which may result in a credit score boost.
If you're still not sure about paying off your credit cards with a personal loan, you can always check your loan offers without impacting your credit score.