Simplify your finances by combining high-interest credit card balances into one manageable monthly payment—with a lower rate and fewer surprises.
It is free to check – It won’t impact your credit score
If you’re struggling with multiple credit card balances with high interest rates, a credit card consolidation loan offers a simpler, more cost-effective path forward. By combining your credit card debts into one fixed, lower-interest loan, you’ll have fewer due dates to manage, predictable monthly payments, and a clearer path to becoming debt-free.
Start by answering a few simple questions about your financial goals and current situation.
We’ll connect you with debt consolidation options that work best for your unique needs.
Once approved, your new loan pays off your current debts — leaving you with just one payment to manage.
Streamline your finances with a single, predictable monthly payment—potentially at a lower rate than high-interest credit cards.
Answer a few questions and see offers tailored to your financial profile. Our process is encrypted and doesn’t affect your credit score when checking rates.
Fast Loan Advance helps people take control of their debt every day—especially those who need a second chance. Simple, transparent, and trusted.
Here’s a representative example of interest rates, terms, fees, and total repayment costs.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
|---|---|---|---|---|
| Interest Rate (APR) | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Other Fees/Costs (%) | 5% | 5% | 5% | 5% |
| Other Fees/Costs ($) | $50 | $100 | $250 | $500 |
| Monthly Payment | $99.29 | $105.86 | $140.84 | $212.90 |
| Number of Payments | 12 | 24 | 48 | 60 |
| Total Payment | $1,191.48 | $2,540.64 | $6,760.32 | $12,774.00 |
APR Ranges From 5.99% up to 35.99% For Qualified Customers 91 Day Minimum up to 72 Month Maximum Repayment Period
Find answers to the most common loan questions. Still unsure? Contact us.
We are happy to help.
No, checking your rate for credit card consolidation does not impact your credit score. We use a soft credit inquiry, so you can view your options without any risk.
You can consolidate most types of revolving credit card debt, including:
Yes. Many lenders we work with specialize in helping people consolidate credit card debt even with fair or poor credit. While your credit score is considered, lenders also look at your income, current debt levels, and ability to repay. You still have options even if your credit isn’t perfect.
It depends on the lender, but in many cases, you can receive your funds as soon as the next business day after approval. Some lenders may take up to 2–3 business days, depending on processing times.
Complete your request to explore options for combining your balances into one simple payment.