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A personal loan allows you to borrow money from a lender for almost any purpose, typically with a fixed term, a fixed interest rate, and a regular monthly payment schedule. Collateral is usually not required and personal loans typically have lower interest rates than most credit cards.
Since interest rates and loan terms on a personal loan are fixed, you can select a loan and payment amount that fits within your budget—which is great when you’re consolidating debt. Plus, you’ll know the exact date your loan will be fully paid off.
Using a personal loan to consolidate high-interest credit card debt might even help you improve your credit score, by diversifying your credit mix, showing that you can make on-time monthly payments, and reduce your total debt.
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Borrow up to $40,000
Receive money fast, upon approval
Competitive fixed rates and fixed monthly payments
No prepayment fees
Automatic payment withdrawals
Why Consolidate Your Debt?
Simplify Your Budget
Lock in a Fixed Rate
Improve Your Credit Score
A debt consolidation loan is a form of debt refinancing that combines multiple balances from credit cards and other high-interest loans into a single loan with a fixed rate and repayment term. It could help you save money by reducing your interest rate or making it easier to pay off debt fast with one monthly payment.
Depending on your credit profile, a debt consolidation loan could help improve your credit by diversifying your credit mix and showing that you can make on-time monthly payments.
Make Upgrades and Repairs Faster, Easier Than Refinancing
A home improvement personal loan is an unsecured (no collateral) fixed-rate personal loan that is used for home renovations and repairs and repaid over a set length of time. Home improvement personal loans are a smart alternative to revolving high-interest credit cards and faster than tapping into home equity.
Instead of waiting for your house, condo, or apartment to accumulate enough equity for a cash-out refi or home equity line of credit, you could get a personal loan for home upgrades in as little as a few days—no collateral, appraisal, or costly refinancing required.
Join Over 4 Million Members Nationwide
Borrow up to $40,000
Quick and easy online application
Eligibility is based on credit history, not home value
Receive money fast, upon loan approval
No prepayment fees
Bank Smarter with CrossBizz
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Select the rate, term, and payment options you like best.
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Once your loan is approved, we’ll send the money straight to your bank account or pay your creditors directly.
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