One due date
One payment may be simpler to manage. It is still a new debt.
Debt consolidation
One payment. Less to juggle.
Combine eligible balances into one fixed payment—if the numbers work for you.
How it works
One loan. One clear payment.
If approved, eligible balances may be paid with loan proceeds. You repay the new loan on its disclosed schedule.
Compare APR, fees, term, and total cost before you decide.
Before you apply
- Which balances are eligible?
- Who receives the funds?
- Is the total cost lower?
- Can I avoid new balances?
- Does the payment fit my budget?
What to consider
Keep the full picture in view.
Total cost
Savings depend on your actual rate, fees, term, and how you use the funds.
After payoff
Paid-off accounts can be used again. New charges create new debt.
Consolidation is still a loan.
It replaces eligible balances with a new loan. It does not reduce or forgive debt.
Keep making required payments. Keep paying existing creditors until every payment has posted.
Review the real numbers.
If approved, compare APR, fees, payment schedule, and total cost before accepting.
See if it fits.
Applying is not approval. You’re never required to accept.