Loans For All

■ Debt Consolidation

Cut your credit card
interest in half.

One loan. One payment. One rate — usually less than half what your cards charge. Check yours in 2 minutes.

Check My Rate
No credit impact $1,000–$100,000 36–60 month terms

Do the math

Same debt. Different deal.

Your credit cards now

Revolving credit

  • ~27% APR (Federal Reserve avg)
  • Minimum payments that never end
  • Rates that can go up
  • Multiple bills, multiple due dates

A Loans For All Loan

Fixed personal loan

  • Typically under half of card APRs
  • Fixed payment. Fixed payoff date.
  • Rate locked for the life of the loan
  • One bill. One due date.

*Comparison uses industry averages. Your actual rate and terms will be provided after your soft-pull rate check and depend on creditworthiness, loan amount, and term. Credit card APR source: Federal Reserve Consumer Credit Report. Personal loan rate comparison: Federal Reserve Consumer Credit Report, 24-month personal loan average.

Three steps

Here's how it works.

01

Tell us about you

Basic info. About 2 minutes. No SSN needed to see rates.

02

Lenders compete for your business

Compare real rates from multiple lenders — soft pull only.

03

Take the one you like

Pick your lender. Money hits your account as soon as tomorrow.

Check your rate.

Two minutes. Soft pull. No credit impact.

Pay off my credit cards

Stop paying 27% interest

Go

Consolidate what I owe

One loan. One payment. One rate.

Go

Something else

We can probably help with that too

Go

Checking your rate won't affect your credit score.

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

Rolled four cards into one loan. Cut my interest in half overnight.

Ray K.
Mechanic, OH

Checked on my lunch break. Had the money Thursday.

Tasha M.
Warehouse lead, IN

Straight answers, no lecture. Finally paying one bill instead of four.

Mike D.
HVAC tech, PA

Common questions.

Will this hurt my credit score?Toggle
No. Checking your rate uses a soft credit inquiry that won't affect your credit score. A hard inquiry only happens if you choose a lender and apply.
Can I pay it off early?Toggle
Most personal loans in our network allow early payoff with no prepayment penalty. Check the specific terms of any offer before you sign — it'll be clearly disclosed by the lender.
Do I need to close my credit cards after?Toggle
No. Most financial advisors actually recommend keeping cards open (but empty) to protect your credit utilization ratio. Whether to close them is up to you.
What if I get denied?Toggle
You compare multiple lenders in one soft-pull check — so a single denial doesn't end it. If no lender in our network offers terms you want, you walk away with no impact to your credit score.

Stop paying their interest.

Two minutes. Soft pull. No credit impact.

Check My Rate

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

Rate & terms. Personal loans are online loans which generally range from $1,000 to $100,000. Your actual rate, loan amount, and terms are determined by our lender partners based on your creditworthiness and other factors.

Credit impact. Checking your rate uses a soft credit inquiry that won't affect your credit score. A hard inquiry only happens if you apply with a lender.

Sources. Credit card APR: Federal Reserve Consumer Credit Report — accounts assessed interest. Personal loan comparison: Federal Reserve Consumer Credit Report — 24-month personal loan average. Credit card interest paid: CFPB Consumer Credit Card Market Report.