{"id":1487,"date":"2023-04-28T15:20:34","date_gmt":"2023-04-28T19:20:34","guid":{"rendered":"https:\/\/ifintechworld.com\/loans\/best-credit-card-consolidation-loans-of-2023\/"},"modified":"2023-04-28T15:20:36","modified_gmt":"2023-04-28T19:20:36","slug":"best-credit-card-consolidation-loans-of-2023","status":"publish","type":"post","link":"https:\/\/ifintechworld.com\/?p=1487","title":{"rendered":"Best credit card consolidation loans of 2023"},"content":{"rendered":"<div>\n<div class=\"advertiser-disclosure\">\n<p>Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as &#8220;Credible&#8221; below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own.<\/p>\n<\/div>\n<p> <!----> <\/p>\n<div class=\"featured featured-image article-ct\">\n<div class=\"m\"><picture><source media=\"(max-width: 767px)\" ><source media=\"(min-width: 768px)\" ><\/source><\/source><\/picture> <!----><\/div>\n<p> <!----> <\/p>\n<div class=\"info\"><\/div>\n<\/div>\n<p>If you\u2019re trying to keep track of multiple due dates for your credit cards, a credit card consolidation loan can allow you to pay off your high-interest credit cards and leave you with a single monthly payment. You might even be able to lower your interest costs.<\/p>\n<p>When considering a credit card consolidation loan, it\u2019s important to shop around to save on interest and find a repayment term that works for your financial situation.<\/p>\n<p>If you want to consolidate credit card debt, Credible lets you easily compare personal loan rates from various lenders in minutes.<\/p>\n<h2><strong>What is a credit card consolidation loan?<\/strong><\/h2>\n<p>A credit card consolidation loan is an unsecured personal loan that you take out to pay off your current credit card debt. You\u2019ll then begin making monthly payments on the new loan.\u00a0<\/p>\n<p>You can also consolidate other forms of debt with a personal loan, but many lenders offer loans specifically for debt consolidation, and some personal loan lenders will pay your creditors for you directly.\u00a0<\/p>\n<h2><strong>Why use a credit card consolidation loan?<\/strong><\/h2>\n<p>Using a credit card consolidation loan may be a smart move because it can help you stay on top of your debt payments. Instead of paying multiple credit card bills with multiple due dates, you\u2019ll only have one monthly payment to keep track of.<\/p>\n<p>A credit card consolidation loan can also help you save money on interest, since many credit cards have higher interest rates compared to personal loans. The average interest rate for a 24-month personal loan was 9.09% as of November 2021, while the average credit card interest rate during that time was 16.44%, according to Federal Reserve data. This could add up to hundreds, or even thousands, of dollars in interest savings.<\/p>\n<h2><strong>How do you apply for a credit card consolidation loan?<\/strong><\/h2>\n<p>Applying for a credit card consolidation loan is generally a straightforward process, assuming you have the right documentation in place. Though each lender has its own application requirements, you\u2019ll generally follow these steps to get a credit card consolidation loan:<\/p>\n<ul>\n<li><strong>Decide on your loan amount.<\/strong> Determine which credit cards you want to pay off and add up all the debt so you\u2019ll know exactly how much you need to borrow\u00a0from a personal loan lender.<\/li>\n<li><strong>Shop around. <\/strong>Comparing multiple lenders will allow you to find the best rate and terms for your financial situation. Getting prequalified with three to five lenders is a good starting point. This lets you see what rates a lender is likely to offer you, without affecting your credit score. Look at each lender\u2019s repayment terms, interest rates, fees, loan amount and eligibility requirements.<\/li>\n<li><strong>Apply. <\/strong>Apply with the lender you selected and submit any required documentation, such as bank statements, W-2s and pay stubs.<\/li>\n<li><strong>Wait for approval and receive loan funds. <\/strong>After submitting your application, you may need to wait to see whether you\u2019re approved. If the lender approves you, you\u2019ll sign your loan agreement and provide the lender with your preferred funding method or bank details if you want to receive your loan funds via bank transfer. You may need to wait up to seven business days to receive the money, though many lenders fund loans as soon as the next business day.<\/li>\n<\/ul>\n<p>Use Credible to help you easily compare credit card consolidation loans to see what you may qualify for, without affecting your credit.\u00a0<\/p>\n<h2><strong>Best credit card consolidation loans\u00a0<\/strong><\/h2>\n<p>If you need a loan to consolidate credit card debt, these five Credible partner lenders are a great place to start.<\/p>\n<h3><strong>Best for bad credit: Avant<\/strong><\/h3>\n<p>Avant discloses a low minimum credit score, and you can receive funding as soon as the next business day. Although the lender\u2019s advertised rates may be competitive for borrowers with this credit profile, the lender does charge an origination fee of up to 4.75%.<\/p>\n<ul>\n<li><strong>Minimum credit score:<\/strong> 550<\/li>\n<li><strong>Loan amounts:<\/strong> $2,000 to $35,000<\/li>\n<li><strong>Pros:<\/strong> Fast funding time<\/li>\n<li><strong>Cons: <\/strong>Charges late and origination fees<\/li>\n<\/ul>\n<h3><strong>Best for peer-to-peer lending: LendingClub<\/strong><\/h3>\n<p>This peer-to-peer lender stands out because it allows cosigners. LendingClub has a low minimum loan amount if you only need to borrow a little money, but it does charge an origination fee of 3% to 6% of the loan amount.\u00a0<\/p>\n<ul>\n<li><strong>Minimum credit score:<\/strong> 600<\/li>\n<li><strong>Loan amounts: <\/strong>$1,000 to $40,000<\/li>\n<li><strong>Pros:<\/strong> Allows cosigners; fair credit borrowers are eligible<\/li>\n<li><strong>Cons: <\/strong>Charges late and origination fees<\/li>\n<\/ul>\n<h3><strong>Best for high-income earners with good credit: LightStream<\/strong><\/h3>\n<p>LightStream advertises some of the lowest personal loan rates, though you\u2019ll need a good credit score to qualify. The lender offers a wide range of repayment terms and high loan amounts.\u00a0<\/p>\n<ul>\n<li><strong>Minimum credit score: <\/strong>660<\/li>\n<li><strong>Loan amounts:<\/strong> $5,000 to $100,000<\/li>\n<li><strong>Pros:<\/strong> Offers competitive rates and large loan amounts<\/li>\n<li><strong>Cons: <\/strong>Doesn\u2019t disclose minimum income requirements; not available in all states<\/li>\n<\/ul>\n<h3><strong>Best for low fees: Marcus by Goldman Sachs<\/strong><\/h3>\n<p>Marcus by Goldman Sachs allows borrowers to take out up to $40,000 with a three- to six-year term. While the lender doesn\u2019t charge any fees, those with less-than-fair credit may not qualify.\u00a0<\/p>\n<ul>\n<li><strong>Minimum credit score: <\/strong>660<\/li>\n<li><strong>Loan amounts: <\/strong>$3,500 to $40,000<\/li>\n<li><strong>Pros:<\/strong> Doesn\u2019t charge fees; offers an autopay discount<\/li>\n<li><strong>Cons: <\/strong>Doesn\u2019t disclose minimum income requirements<\/li>\n<\/ul>\n<h3><strong>Best overall credit card consolidation loan: SoFi<\/strong><\/h3>\n<p>SoFi offers loans of up to $100,000 with terms ranging from two to seven years. In addition to its competitive advertised rates, the lender stands out because borrowers receive access to unique benefits, such as investing advice and unemployment protection.\u00a0<\/p>\n<ul>\n<li><strong>Minimum credit score:<\/strong> Does not disclose<\/li>\n<li><strong>Loan amounts:<\/strong> $5,000 to $100,000<\/li>\n<li><strong>Pros:<\/strong> Doesn\u2019t charge fees; offers investing advice<\/li>\n<li><strong>Cons:<\/strong> Doesn\u2019t disclose minimum income or credit score requirements<\/li>\n<\/ul>\n<p>Credible makes it easy to see your prequalified personal loan rates from these and other lenders, all in one place.<\/p>\n<h3><strong>Other lenders to consider<\/strong><\/h3>\n<p>The following three lenders aren\u2019t Credible partners, so you won\u2019t be able to easily compare your rates with them on the Credible platform. But they may also be worth considering if you\u2019re looking for a credit card consolidation loan.<\/p>\n<p><strong>Earnest<\/strong><\/p>\n<p>Earnest partners with lending platform Fiona to match you with personal loan options.<\/p>\n<ul>\n<li><strong>Minimum credit score: <\/strong>Varies depending on lender<\/li>\n<li><strong>Loan amounts:<\/strong> $1,000 to $250,000<\/li>\n<li><strong>Pros:<\/strong> Flexible repayment terms<\/li>\n<li><strong>Cons:<\/strong> No guarantee of loan approval<\/li>\n<\/ul>\n<p><strong>Laurel Road<\/strong><\/p>\n<p>Laurel Road doesn\u2019t charge any fees on its personal loans, and you can choose from repayment terms of three, four or five years.\u00a0<\/p>\n<ul>\n<li><strong>Minimum credit score: <\/strong>Does not disclose<\/li>\n<li><strong>Loan amounts: <\/strong>$5,000 to $35,000<\/li>\n<li><strong>Pros:<\/strong> Offers an autopay discount<\/li>\n<li><strong>Cons: <\/strong>Few repayment terms<\/li>\n<\/ul>\n<p><strong>Mariner Finance<\/strong><\/p>\n<p>Mariner Finance offers repayment terms ranging from one to five years, as well as personalized service.<\/p>\n<ul>\n<li><strong>Minimum credit score: <\/strong>Does not disclose<\/li>\n<li><strong>Loan amounts: <\/strong>$1,000 to $25,000<\/li>\n<li><strong>Pros:<\/strong> Offers smaller loan amounts if you don\u2019t need a large personal loan<\/li>\n<li><strong>Cons: <\/strong>No repayment term longer than five years<\/li>\n<\/ul>\n<h3><strong>Methodology<\/strong><\/h3>\n<p>Credible\u2019s main goal is to give consumers the resources to make more confident financial decisions. To determine the best credit card consolidation lenders, Credible looked at data with various weightings for categories such as fees, time to fund loans, repayment terms, loan amounts and overall customer experience. Credible ranked all the lenders in this list using these categories and weightings to arrive at a rating out of five stars.\u00a0<\/p>\n<h2><strong>Credit card consolidation loan FAQs<\/strong><\/h2>\n<p>Here are answers to some common questions about credit card consolidation loans.<\/p>\n<h3><strong>What are the benefits of credit card consolidation?<\/strong><\/h3>\n<p>Credit card consolidation has two main benefits: simplifying your monthly payments and saving on interest.<\/p>\n<p>Since you\u2019re paying off all your credit card debt with one consolidation loan, it may be easier to keep up with payments. Many credit card consolidation loans come with fixed interest rates, so you\u2019ll know exactly how much you\u2019ll need to pay each month and when your loan will be paid off, helping you plan better.\u00a0<\/p>\n<h3><strong>What are the drawbacks of a personal loan to consolidate credit card debt?<\/strong><\/h3>\n<p>Getting a credit card consolidation loan is still taking out a loan, so you\u2019ll want to make sure you can fit the monthly payments into your budget. Plus, if you plan on using your credit card after paying off the debt, it may negate the point of getting a consolidation loan in the first place. Getting deeper into debt could hurt your financial situation and ability to get approved for credit products in the future.\u00a0<\/p>\n<p>While you can save money on interest with a credit card consolidation loan, you\u2019ll only qualify for the best rates if you have good to excellent credit. If you have fair credit, you may be able to find competitive rates, but if you have bad credit, you may not receive an interest rate on a credit card consolidation loan that\u2019s lower than the interest rate you\u2019re paying on your current credit cards.\u00a0<\/p>\n<p>Even if you qualify for the lowest rates, you could be hit with origination fees for processing your loan, late fees if you miss a payment, or prepayment penalties for paying the loan off ahead of schedule. That\u2019s why it\u2019s important to check the lender\u2019s terms and compare loans so you understand all costs involved before signing a loan agreement.\u00a0<\/p>\n<h3><strong>Should you get a balance transfer credit card or credit card consolidation loan?<\/strong><\/h3>\n<p>Transferring your high-interest credit card balances to another credit card with a lower interest rate could help you save money, but it comes with its own advantages and disadvantages.\u00a0<\/p>\n<p>Here are some things about balance transfer credit cards to consider before making your decision:<\/p>\n<p><strong>Pros<\/strong><\/p>\n<ul>\n<li>If you can get a 0% introductory APR credit card and pay off the balance before the promotional period ends, you won\u2019t pay any interest.<\/li>\n<li>Some credit cards may earn you rewards or cash back.<\/li>\n<\/ul>\n<p><strong>Cons<\/strong><\/p>\n<ul>\n<li>You may be charged a fee for each balance that you transfer to the new card (typically 3% to 5% of the transferred amount).<\/li>\n<li>You may have a limit to how much you can transfer.<\/li>\n<\/ul>\n<p>Here are some things about credit card consolidation loans to consider before you make your decision:<\/p>\n<p><strong>Pros<\/strong><\/p>\n<ul>\n<li>You may be able to get a lower APR compared to a credit card.<\/li>\n<li>You\u2019ll have a fixed repayment term and interest rate, so you\u2019ll know exactly how much your monthly payments will be and when you\u2019ll pay the loan off.<\/li>\n<\/ul>\n<p><strong>Cons<\/strong><\/p>\n<ul>\n<li>Depending on your credit, you may not be approved for the amount you need or for the lowest interest rate.<\/li>\n<li>The lender may charge origination or application fees for processing your loan.<\/li>\n<\/ul>\n<h3><strong>How long does it take to get approved for a credit card consolidation loan?<\/strong><\/h3>\n<p>How long it takes to get approved for a credit card consolidation loan depends on the lender, your bank and whether you\u2019ll need to submit additional documentation during the application process. Some lenders offer loan funding in as little as the same or next business day after approval. Others can take up to seven days to send the loan funds to your bank account.<\/p>\n<h3><strong>Can you get a credit card consolidation loan with a low credit score?<\/strong><\/h3>\n<p>If you have a low credit score, you may be able to get a credit card consolidation loan. But it can be more challenging to meet a lender\u2019s minimum credit score requirements for approval. Some lenders specialize in loans for people with bad credit, but keep in mind that you\u2019ll most likely pay a higher interest rate. Other lenders consider factors beyond your credit score, such as your income, when deciding whether to loan you money.<\/p>\n<p>If you\u2019re having trouble getting approved for a credit card consolidation loan, or you want a better rate, consider submitting an application with a cosigner who has good to excellent credit. It\u2019s a smart idea to talk with your cosigner to make it clear how you plan to repay the loan, and to make sure they understand they\u2019ll be responsible for making your loan payments if you aren\u2019t able to.<\/p>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.foxbusiness.com\/personal-finance\/best-credit-card-consolidation-loans\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as &#8220;Credible&#8221; below, is to give you the tools and confidence you need to improve your finances. Although we do promote products from our partner lenders who compensate us for our services, all opinions are our own. If you\u2019re trying to keep track [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1488,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[240],"tags":[83],"class_list":["post-1487","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","tag-featured"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best credit card consolidation loans of 2023 | iFintechWorld<\/title>\n<meta name=\"description\" content=\"Our goal here at Credible Operations, Inc., NMLS Number 1681276, referred to as &quot;Credible&quot; below, is to give you the tools and confidence you need to\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ifintechworld.com\/?p=1487\" 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