Best companies consolidating credit cards


Compare loans for debt consolidation and learn about your options for consolidating debt.With a debt consolidation loan, a lender issues a single personal loan that you use to pay off other debts, such as balances on high-interest credit cards.Most will give you a rate without a “hard inquiry” on your credit, unlike many banks and credit unions.For online lenders, the lowest rates go to those with the best credit; rates top out at 36%.Lenders don’t charge fees for paying off your loan early, but they may charge upfront origination fees that range from 1% to 5% of your loan.



Online lenders typically let you apply for a debt consolidation loan without affecting your credit score.Most issuers charge a balance transfer fee of around 3%, and some also charge an annual fee.Before you choose a card, calculate whether the interest you save over time will wipe out the cost of the fee. We’re on your side, even if it means we don’t make a cent.

The option that best suits you depends on your overall debt load, credit score and history, available cash and other aspects of your financial situation, as well as your self-discipline.

That means you’ll need to pay more than the minimum payment due to reduce the principal and make a dent in your overall debt.



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