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.
What is credit card consolidation?
Credit card consolidation is the process of combining multiple credit card balances into a single loan with one fixed monthly payment. Through Fast Loan Advance, you can request a credit card consolidation loan from $500 to $35,000 to pay off your existing credit card balances. We connect you with lenders in our network who often offer lower interest rates than the cards you’re currently paying.
How does credit card consolidation work?
A credit card consolidation loan from Fast Loan Advance works like a personal loan. You submit one short request and get connected with a lender in our network. If approved, the lender deposits the loan amount into your bank account, and you use those funds to pay off your existing credit card balances. From that point on, you make one fixed monthly payment to your new lender instead of juggling multiple cards, interest rates, and due dates.
Will credit card consolidation save me money?
Credit card consolidation can save you money if your new loan has a lower interest rate than your current credit card APRs, which often range from 20% to 30% or higher. Through Fast Loan Advance, lenders offer APRs from 5.99% to 35.99% for qualified customers. To know if you’ll actually save, compare your new loan’s total cost (interest plus fees over the full term) to what you would have paid by keeping your current cards. Your lender provides the full breakdown before you sign your loan agreement.
Is a credit card consolidation loan better than a balance transfer?
It depends on your situation. Balance transfer credit cards typically offer a 0% introductory APR for 12 to 21 months, which can save money if you can pay off the balance during that window. However, balance transfers usually come with a transfer fee (3% to 5%), and the APR jumps significantly once the promo period ends. A consolidation loan offers a fixed monthly payment and a clear payoff date, which works better for borrowers who need more than two years to pay off their debt or who want predictable payments without promo-rate pressure.
Start your path to simpler credit card payments
Complete your request to explore options for combining your balances into one simple payment.