Combine Your Debt Into One Payment
Why Your Real Offer Can Differ
A lender weighs several details before deciding what to offer.
Credit Profile
Credit history and current obligations influence eligibility and pricing.
Total Debt Amount
Larger balances can shift both the approved amount and the rate offered.
Term Length
A longer term can lower the payment but add to the total interest paid.
Before You Continue
Look past the monthly payment at the full picture.
Review These Numbers
- Annual percentage rate and whether it is fixed
- Total interest paid across the full term
- Origination or balance-transfer fees, if any
- Whether it’s actually lower than your current total
Protect Your Information
- Confirm the lender clearly identifies itself
- Use a secure connection before sharing data
- Never pay a fee for a guaranteed approval
- Read the agreement before accepting terms
How This Estimate Works
It uses a fixed illustrative APR of 9.9% so amounts and terms can be compared consistently. This is not a rate quote.
Not directly — the payment is based on the total amount and term. The bill count is there to help you compare what you’re replacing.
No. The example assumes no additional fees. Actual lenders may charge origination or other fees that change proceeds and total cost.
No. Continue takes you to information about a specific bank’s personal loan. No personal information is collected by this calculator.
Understanding Your Estimate
A closer look at what this number does — and doesn’t — tell you.
The monthly payment above uses a fixed illustrative APR of 9.9%, applied the same way across every amount and term so options can be compared on equal footing. It is not a rate quote and is not personalized to your credit profile, income or location.
When you click continue, you’ll be taken to information about a specific bank’s personal loan product, including how their application process works. Nothing entered on this page is submitted anywhere — the slider and dropdowns only run a local calculation in your browser.
A consolidation loan is only worth it if the new total cost is genuinely lower than what you’re paying today. Add up your current monthly payments and the interest you’re carrying across every balance you’d include, then compare that total — not just the number of payments — against this estimate.
The rate a bank actually offers depends on factors this calculator can’t see, including your verified credit score, income, existing debt load and sometimes your state. Two people consolidating the same total can be quoted very different real rates once a lender reviews the full picture.
It’s common, and often worthwhile, to check estimated terms with more than one lender before deciding. Comparing offers side by side using the same total and term makes it easier to see which one actually costs less over the life of the loan.