Consolidation & Refinance Analysis
Debt Consolidation Loan Calculator
See how much you can save every month and in total lifetime interest by consolidating high-rate credit cards into a single, low fixed-rate personal loan.
Full Inside ToolAlready know your cards or want to simulate live debts?
Use the Inside Command Center to select specific debts with 1-click checkboxes and save your plan.
Current Debt & Proposed Loan Terms
Consolidation Impact
Estimated New Fixed Monthly Payment
$585.04/mo
Monthly Cashflow Saved+$0.00/mo
Total Loan Interest$3061.58
Consolidating eliminates multiple unpredictable variable-rate credit cards and locks in a guaranteed payoff date in 36 months.
Expert FAQ
Frequently Asked Questions
Everything you need to know about debt payoff acceleration strategies, rollover math, and interest optimization.
A debt consolidation loan takes multiple high-interest debts (like credit cards with 20–28% APR) and rolls them into a single personal loan with a fixed interest rate (often 8–15% APR) and a fixed monthly payment over 2 to 5 years.
Pre-Qualified Lender Network
Compare Top Consolidation Loan Rates
Checking your rates takes 2 minutes and uses a soft credit inquiry with zero impact on your credit score.
Best for Good to Excellent CreditDirect Link
SoFi Personal Loans
Low fixed rates, zero fees, same-day funding option
Estimated APR:8.99% – 25.81%
Loan Amounts:$5,000 – $100,000
Min Credit Score:680+
- No origination fees or prepayment penalties
- Direct pay to creditors available
- 0.25% AutoPay discount included
Best for Fair Credit (580+)Direct Link
Upgrade Personal Loans
Fast approval, flexible credit qualifications
Estimated APR:9.99% – 35.99%
Loan Amounts:$1,000 – $50,000
Min Credit Score:580+
- Direct creditor payoff for rate discount
- Check rate with soft credit pull
- Mobile account tracking
Best for Direct Balance PayoffDirect Link
LendingClub Bank
Rolling up to 12 credit cards into one payment
Estimated APR:9.49% – 35.99%
Loan Amounts:$2,000 – $40,000
Min Credit Score:600+
- Pays off your credit cards directly
- Fixed monthly payment
- Joint applications accepted
Best Customer Service & Zero FeesDirect Link
Discover Personal Loans
No origination fee ever, 30-day money-back guarantee
Estimated APR:7.99% – 24.99%
Loan Amounts:$2,500 – $40,000
Min Credit Score:660+
- Zero origination fees
- Zero closing fees
- US-based loan specialists