OVERWHELMED BY CREDIT CARD DEBT?
Take control with a credit card consolidation loan
Combine high-interest credit card balances into one manageable monthly payment.
It is free to check – It wont impact your credit score
Is credit card consolidation right for me?
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.
HOW CREDIT CARD CONSOLIDATION WORKS
Simple steps. Smarter results.
Submit your request
Start by answering a few simple questions about your financial goals and current situation.
Review your options
We’ll connect you with debt consolidation options that work best for your unique needs.
Consolidate and move forward
Once approved, your new loan pays off your current debts — leaving you with just one payment to manage.
WHY FAST LOAN ADVANCE?
A smarter way to consolidate credit card debt—with trusted partners, flexible terms, and transparent support
Combine multiple debts into one simple payment
Streamline your finances with a single, predictable monthly payment—potentially at a lower rate than high-interest credit cards.
Secure and fully online— built for you
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.
Used by millions looking for a fresh start
Fast Loan Advance helps people take control of their debt every day—especially those who need a second chance. Simple, transparent, and trusted.
Take control and simplify your credit card debt
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
Learn more about credit card consolidation
Find answers to the most common loan questions. Still unsure? Contact us.
We are happy to help.
Will checking my rate affect my credit score?
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.
What types of credit card debt can I consolidate?
You can consolidate most types of revolving credit card debt, including:
- Major credit cards
- Store and retail cards (e.g., department stores, gas cards)
- High-interest or maxed-out cards
- Multiple cards into one single payment
Can I still qualify if I have bad credit?
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.
How fast can I get my funds?
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.
Start your path to simpler credit card payments
Complete your request to explore options for combining your balances into one simple payment.