Loan To Pay Off Credit Card Debt

Here are some relevant options for loans to pay off credit card debt, along with additional context about each result:

1. LendingClub

   • LendingClub offers personal loans specifically designed for debt consolidation, including credit card debt. Their platform allows borrowers to compare rates and terms from multiple lenders.
   • LendingClub

2. SoFi

   • SoFi provides personal loans with competitive interest rates that can be used to pay off credit card debt. They also offer benefits like no fees and unemployment protection.
   • SoFi

3. Marcus by Goldman Sachs

   • Marcus offers no-fee personal loans that can be utilized for debt consolidation, including credit card payments. They provide fixed interest rates and flexible payment terms.
   • Marcus by Goldman Sachs

4. Discover Personal Loans

   • Discover provides personal loans with no origination fees, which can be used to pay off credit card debt. Their process is straightforward, and they offer competitive rates.
   • Discover Personal Loans

5. LightStream

   • LightStream, a division of SunTrust Bank, offers low-interest personal loans for good credit borrowers. Their loans can be used for debt consolidation, including credit card debt.
   • LightStream

6. Avant

   • Avant specializes in personal loans for borrowers with less-than-perfect credit. They provide options for debt consolidation to help manage credit card debt more effectively.
   • Avant

7. Payoff

   • Payoff focuses specifically on credit card debt consolidation. They provide personal loans designed to pay off credit card debts directly, aiming to help borrowers improve their credit scores.
   • Payoff

8. Credible

   • Credible is a loan comparison platform that allows users to compare personal loan offers from various lenders for debt consolidation purposes, including credit card debt.
   • Credible

9. Best Egg

   • Best Egg offers personal loans with a fast approval process and can be used to pay off credit card debt. They target borrowers with good credit profiles for better rates.
   • Best Egg

10. Upstart

    • Upstart uses AI technology to assess creditworthiness, offering personal loans that can be used to consolidate credit card debt, often with lower rates for borrowers with solid income.
    • Upstart

These companies provide various options for personal loans aimed at helping individuals pay off credit card debt, often with competitive interest rates and flexible terms. Always make sure to evaluate the terms and conditions before applying.

Consolidating credit card debt with a personal loan can simplify payments and potentially lower interest rates. Here are some top options to consider:

1. SoFi Personal Loan

   • APR Range: 8.99% – 35.49%
   • Loan Amounts: $5,000 – $100,000
   • Term Length: 24 – 84 months
   • Highlights: No origination fees, prepayment penalties, or late fees. Offers interest rate discounts for autopay enrollment and direct deposit. [https://www.experian.com/loans/debt-consolidation/]

2. Discover Personal Loan

   • APR Range: 7.99% – 24.99%
   • Loan Amounts: $2,500 – $40,000
   • Term Length: 36 – 84 months
   • Highlights: No origination fees. Offers direct payment to creditors and flexible funding options. [https://www.newsweek.com/vault/personal-loans/best-debt-consolidation-personal-loans//]

3. Upstart Personal Loan

   • APR Range: 7.80% – 35.99%
   • Loan Amounts: $1,000 – $50,000
   • Term Length: 36 or 60 months
   • Highlights: Considers alternative factors beyond credit score for approval. Offers low starting rates and quick funding. [https://www.newsweek.com/vault/personal-loans/best-debt-consolidation-personal-loans//]

4. LendingClub Personal Loan

   • APR Range: 7.90% – 35.99%
   • Loan Amounts: $1,000 – $40,000
   • Term Length: 36 or 60 months
   • Highlights: Offers direct payment to creditors and quick funding. Suitable for borrowers with fair credit. [https://www.forbes.com/advisor/personal-loans/best-credit-card-consolidation-loans/]

5. Marcus by Goldman Sachs

   • APR Range: 6.99% – 19.99%
   • Loan Amounts: $3,500 – $40,000
   • Term Length: 36 – 72 months
   • Highlights: No fees, including origination, late, or prepayment fees. Offers a 0.25% APR discount for autopay enrollment. [https://nymag.com/strategist/article/best-debt-consolidation-loans.html]

6. Upgrade Personal Loan

   • APR Range: 5.94% – 35.97%
   • Loan Amounts: $1,000 – $50,000
   • Term Length: 24 – 84 months
   • Highlights: Offers cash-back rewards and considers applicants with credit scores as low as 580. [https://nymag.com/strategist/article/best-debt-consolidation-loans.html]

7. Wells Fargo Personal Loan

   • APR Range: 7.49% – 24.99%
   • Loan Amounts: $3,000 – $100,000
   • Term Length: 12 – 84 months
   • Highlights: No origination or prepayment fees. Offers an interest rate discount of up to 0.5% for qualified borrowers. [https://money.usnews.com/loans/personal-loans/debt-consolidation]

8. Happy Money Payoff Loan

   • APR Range: 8.95% – 17.48%
   • Loan Amounts: $5,000 – $40,000
   • Term Length: Up to 60 months
   • Highlights: Designed specifically for credit card debt consolidation. No late fees and offers preapprovals without a hard credit check. [https://money.usnews.com/loans/personal-loans/debt-consolidation]

9. Avant Personal Loan

   • APR Range: 9.95% – 35.99%
   • Loan Amounts: $2,000 – $35,000
   • Term Length: 24 – 60 months
   • Highlights: Accessible to borrowers with credit scores as low as 600. Offers fast funding and flexible loan amounts. [https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans]

10. LightStream Personal Loan

    • APR Range: 5.99% – 19.99%
    • Loan Amounts: $5,000 – $100,000
    • Term Length: 24 – 144 months
    • Highlights: No fees and offers a 0.5% APR discount for autopay enrollment. [https://money.slickdeals.net/guides/should-i-use-personal-loan-credit-card-debt/]

When selecting a loan, consider factors such as interest rates, fees, loan terms, and your credit score to find the best fit for your financial situation.

Here are some of the top options for "loan to pay off credit card debt," as of June 2025, based on different credit profiles and needs:

1. LendingClub: Best overall due to lower rates for debt consolidation loans.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] They can send funds to up to 12 creditors.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] Loan amounts range from $1,000 - $40,000.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]
2. LightStream: Ideal for high-dollar debt consolidation with potentially low rates for those with excellent credit and sufficient income.[https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/]
3. Happy Money: Specifically for credit card consolidation, they will pay off your credit cards directly.
4. SoFi: A good option for borrowers with good credit, offering various loan amounts, terms, and features like free financial planning.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] They also offer direct payments for debt consolidation.[https://www.creditkarma.com/personal-loans/shop/debt-consolidation]
5. Discover: Known for speed, with potential for same-day approval and next-day funding.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] You can borrow between $2,500 and $40,000 with repayment terms from 36 to 84 months.[https://www.creditkarma.com/personal-loans/shop/debt-consolidation][https://www.discover.com/personal-loans/debt-consolidation/]
6. Upstart: Suited for small loans and those with bad credit, considering factors beyond just credit score and income.[https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/] Loan amounts can be as low as $1,000, up to $50,000.[https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/]
7. Upgrade: Good for bad credit, offering joint applications to help qualify for better rates or higher loan amounts.[https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/][https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] They also offer the option to have funds sent directly to creditors.[https://www.experian.com/loans/debt-consolidation/][https://www.lendingclub.com/personal-loan/credit-card-consolidation-loan]
8. Best Egg: Offers potentially low rates for debt consolidation loans under $5,000 and secured loan options.
9. Achieve: Provides multiple rate discounts, including one for direct payment to creditors.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]
10. Avant: Suitable for borrowers with fair credit.[https://www.experian.com/loans/debt-consolidation/] Loan amounts range from $2,000 to $35,000.[https://www.experian.com/loans/debt-consolidation/]

Keep in mind that interest rates and terms can vary based on your creditworthiness and the lender's specific criteria.[https://www.experian.com/loans/debt-consolidation/]

Here are the top loan options to pay off credit card debt, based on the search results:

1. SoFi:

   • Loan Amount: $5k - $100k
   • Est. APR: 8.99% - 35.49%
   • Min. Credit Score: None
   • Unique Features: Free financial planning, flexible terms[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans].

2. LendingClub:

   • Loan Amount: $1k - $40k
   • Est. APR: 7.90% - 35.99%
   • Min. Credit Score: 600
   • Unique Feature: Will send loan funds to up to 12 creditors[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans].

3. LightStream:

   • Loan Amount: $5k - $100k
   • Est. APR: 6.49% - 25.29%
   • Min. Credit Score: 660
   • Unique Feature: Low rates for borrowers with good or excellent credit[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans].

4. Upstart:

   • Loan Amount: $1k - $50k
   • Est. APR: 7.8% - 35.99%
   • Min. Credit Score: Varies
   • Unique Feature: Considers employment, education, and banking history in addition to credit score[https://www.experian.com/loans/debt-consolidation/].

5. Best Egg:

   • Loan Amount: $2k - $35k
   • Est. APR: 5.99% - 35.99%
   • Min. Credit Score: Varies
   • Unique Feature: Designed for borrowers with excellent credit[https://www.lendingtree.com/debt-consolidation/].

6. Discover:

   • Loan Amount: $2,500 - $40,000
   • Est. APR: Varies
   • Min. Credit Score: Varies
   • Unique Feature: Offers balance transfers and low promotional APRs for credit card debt consolidation[https://www.discover.com/personal-loans/debt-consolidation/].

7. Happy Money:

   • Loan Amount: Varies
   • Est. APR: Varies
   • Min. Credit Score: Varies
   • Unique Feature: Will pay off credit cards directly once approved, saving borrowers that step in the process[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans].

8. Upgrade:

   • Loan Amount: Varies (specific amounts not provided)
   • Est. APR: Varies (specific rates not provided)
   • Min. Credit Score: Varies
   • Unique Feature: Overall best debt consolidation loan, according to LendingTree[https://www.lendingtree.com/debt-consolidation/].

9. LendingTree:

   • Loan Amount: Varies
   • Est. APR: Varies
   • Min. Credit Score: Varies
   • Unique Feature: Offers multiple lender options for debt consolidation, helping borrowers find the best fit[https://www.lendingtree.com/debt-consolidation/].

10. Bankrate:

    • Not a specific lender but a resource to explore expert picks for the best debt consolidation loans, helping manage debts effectively[https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/].

These options provide a range of loan amounts, APRs, and features tailored to different credit scores and financial needs.

Here are the top 10 results for the query "loan to pay off credit card debt":

1. Personal Loans to Pay Off Credit Card Debt - Credible Source: https://www.credible.com/blog/loans/personal-loans-to-pay-off-credit-card-debt/ This article from Credible discusses how personal loans can be used to consolidate and pay off high-interest credit card debt. It explains the benefits of a personal loan for this purpose, including potentially lower interest rates and simplified monthly payments.

2. How to Get a Loan to Pay Off Credit Card Debt - Nerdwallet Source: https://www.nerdwallet.com/article/loans/personal-loans/get-loan-pay-off-credit-card-debt Nerdwallet's guide covers the steps to get a personal loan to pay off credit card balances, including comparing lenders, understanding the application process, and calculating potential savings.

3. Best Debt Consolidation Loans of 2023 - The Ascent by Motley Fool Source: https://www.fool.com/the-ascent/personal-loans/best-debt-consolidation-loans/ This article from The Ascent reviews some of the top debt consolidation loan options that can be used to pay off credit cards, including lenders, interest rates, and eligibility requirements.

4. 7 Best Personal Loans to Pay Off Credit Card Debt in 2023 - US News Source: https://loans.usnews.com/personal-loans-to-pay-off-credit-card-debt US News provides a list of the best personal loan options for consolidating and paying off credit card balances, with details on APRs, loan amounts, and lender requirements.

5. How to Pay Off Credit Card Debt with a Personal Loan - Experian Source: https://www.experian.com/blogs/ask-experian/how-to-pay-off-credit-card-debt-with-a-personal-loan/ Experian's guide explains the process of using a personal loan to consolidate and pay off multiple credit card balances, including potential benefits and things to consider.

6. Paying Off Credit Card Debt with a Personal Loan - Bankrate Source: https://www.bankrate.com/loans/personal-loans/paying-off-credit-card-debt-with-a-personal-loan/ Bankrate discusses the pros and cons of using a personal loan to pay off credit cards, including potential interest savings and credit score impacts.

7. Best Debt Consolidation Loans to Payoff Credit Cards in 2023 - Forbes Source: https://www.forbes.com/advisor/personal-loans/best-debt-consolidation-loans/ Forbes provides a list of top-rated debt consolidation loan options that can be used to pay off credit card balances, with details on APRs, loan amounts, and lender requirements.

8. How to Use a Personal Loan to Pay Off Credit Card Debt - LendingTree Source: https://www.lendingtree.com/personal/debt-consolidation/how-to-use-a-personal-loan-to-pay-off-credit-card-debt/ LendingTree's guide explains the process of using a personal loan to consolidate and pay off credit card debt, including potential benefits and things to watch out for.

9. Should You Get a Personal Loan to Pay Off Credit Card Debt? - The Balance Source: https://www.thebalance.com/should-you-get-a-personal-loan-to-pay-off-credit-card-debt-4588443 The Balance article discusses the pros and cons of using a personal loan to pay off credit card balances, including potential interest savings and credit score impacts.

10. How to Use a Personal Loan to Pay Off Credit Card Debt - Credible Source: https://www.credible.com/blog/loans/how-to-use-a-personal-loan-to-pay-off-credit-card-debt/ Credible provides a step-by-step guide on using a personal loan to consolidate and pay off credit card debt, including tips on finding the right lender and loan terms.

Below is a simulated web search result for your query: "loan to pay off credit card debt." Based on a search conducted as of the current date (19 Jun 2025), I've compiled a list of the top 10 relevant brands, companies, products, or services. This focuses on options like personal loans, debt consolidation loans, and balance transfer credit cards, which are common for paying off credit card debt. These results are prioritized based on factors such as popularity, user reviews, interest rates, and expert recommendations from financial sites.

For each result, I've included:

• Name: The brand, company, product, or service.
• Description and Context: A brief overview, including key features, pros, and considerations, based on current data.
• Source URL: A cited URL from reputable sources like financial comparison sites or the company's official page. Note that URLs may change, so verify them for the latest information.

This list is not exhaustive or an endorsement; always compare options based on your financial situation and consult a financial advisor. Interest rates and terms can vary by credit score, location, and market conditions as of 2025.

Top 10 Results for "Loan to Pay Off Credit Card Debt"

1. SoFi Personal Loans
   Description and Context: SoFi offers personal loans for debt consolidation with fixed interest rates starting around 8.99% APR (as of 2025), no origination fees, and unemployment protection for borrowers. It's popular for its user-friendly app and refinancing options, making it ideal for consolidating high-interest credit card debt into a single, manageable payment. However, eligibility requires a good credit score.
   Source URL: nerdwallet.com/best-loans/personal-loans/sofi-personal-loan-review

2. LendingClub Personal Loans
   Description and Context: As a peer-to-peer lending platform, LendingClub provides loans specifically for credit card debt payoff, with APRs ranging from 8.99% to 35.99% based on creditworthiness. It allows joint applications and quick funding, often within a few days, which helps users avoid accumulating more debt. It's suitable for those with fair credit but may include origination fees up to 8%.
   Source URL: investopedia.com/best-debt-consolidation-loans-5095103

3. Discover Personal Loans
   Description and Context: Discover's personal loans are designed for debt consolidation, offering competitive APRs from 7.99% with no origination fees or prepayment penalties. They provide a rate discount for autopay and a 30-day money-back guarantee. This option is great for paying off credit card debt quickly, but it's best for those with strong credit profiles.
   Source URL: discover.com/personal-loans

4. Chase Balance Transfer Credit Cards
   Description and Context: Chase offers balance transfer cards like the Chase Slate Edge, with introductory 0% APR periods up to 21 months on transfers, allowing users to pay off credit card debt interest-free during that time. After the intro period, rates jump to around 19.24% APR. It's a low-cost alternative to loans but requires discipline to pay off the balance before the promotional period ends.
   Source URL: creditcards.com/chase-balance-transfer-cards

5. Citi Balance Transfer Credit Cards
   Description and Context: Citi's cards, such as the Citi Simplicity Card, feature 0% intro APR on balance transfers for up to 21 months, helping users consolidate and pay down credit card debt without interest. Rates post-intro are typically 19.24% APR, with balance transfer fees around 3-5%. This is effective for short-term debt relief but can lead to high costs if not paid off in time.
   Source URL: cnbc.com/select/best-balance-transfer-credit-cards

6. Wells Fargo Debt Consolidation Loans
   Description and Context: Wells Fargo provides unsecured personal loans for debt consolidation with APRs starting at 8.49%, flexible terms up to 84 months, and no prepayment penalties. It's convenient for existing customers and includes tools for financial planning, making it a solid choice for paying off credit card debt, though fees may apply for late payments.
   Source URL: wellsfargo.com/personal-loans

7. LightStream Personal Loans
   Description and Context: LightStream, part of Truist Bank, offers loans for debt consolidation with APRs as low as 7.49% and same-day funding. They don't charge origination fees and provide a rate beat program, which is helpful for those with excellent credit looking to pay off high-interest credit cards efficiently.
   Source URL: forbes.com/advisor/personal-loans/lightstream-review

8. Freedom Debt Relief Services
   Description and Context: This debt relief company specializes in negotiating settlements for credit card debt, potentially reducing the total amount owed by 30-50%. They create customized payment plans, but it involves stopping payments to creditors temporarily, which can impact credit scores. It's not a loan but a service for those overwhelmed by debt.
   Source URL: consumerfinance.gov/consumer-tools/debt-relief

9. National Debt Relief Programs
   Description and Context: National Debt Relief offers debt settlement services, helping users pay off credit card debt through negotiated reductions, with average savings of 30% after fees. Their programs include personalized plans and credit counseling, making it a viable option for high-debt situations, though it may affect credit reports for up to 7 years.
   Source URL: barrons.com/advisor/best-debt-relief-companies

10. Consumer Financial Protection Bureau (CFPB) Resources
    Description and Context: The CFPB provides free educational resources and tools for managing credit card debt, including guides on loans and consolidation options. It's not a lender but offers unbiased advice on comparing loans, understanding APRs, and avoiding scams, which is essential for informed decision-making.
    Source URL: consumerfinance.gov/consumer-tools/payday-loans (specifically their debt

Here are the top 10 results for "loan to pay off credit card debt":

1. LendingClub: LendingClub offers personal loans to help pay off credit card debt with fixed interest rates and no prepayment fees. www.lendingclub.com
2. SoFi: SoFi provides personal loans with competitive interest rates and flexible repayment terms to help consolidate and pay off credit card debt. www.sofi.com
3. Discover Personal Loans: Discover offers personal loans with fixed interest rates and no fees to help pay off credit card debt and simplify finances. www.discover.com/personal-loans
4. LightStream: LightStream, a division of SunTrust Bank, offers personal loans with low fixed interest rates and no fees to help pay off credit card debt. www.lightstream.com
5. Credit Karma: Credit Karma offers a personal loan tool that allows users to compare loan offers from multiple lenders to help pay off credit card debt. www.creditkarma.com
6. NerdWallet: NerdWallet provides a personal loan comparison tool and resources to help users find the best loan to pay off credit card debt. www.nerdwallet.com
7. Prosper: Prosper offers personal loans with fixed interest rates and flexible repayment terms to help consolidate and pay off credit card debt. www.prosper.com
8. Freedom Financial Network: Freedom Financial Network offers personal loans and debt consolidation programs to help pay off credit card debt. www.freedomfinancialnetwork.com
9. Bank of America: Bank of America offers personal loans and debt consolidation options to help customers pay off credit card debt. www.bankofamerica.com/personal-loans
10. National Debt Relief: National Debt Relief offers debt consolidation and settlement services to help individuals pay off credit card debt and other unsecured debts. www.nationaldebtrelief.com

Source URLs:

• https://www.lendingclub.com
• https://www.sofi.com
• https://www.discover.com/personal-loans
• https://www.lightstream.com
• https://www.creditkarma.com
• https://www.nerdwallet.com
• https://www.prosper.com
• https://www.freedomfinancialnetwork.com
• https://www.bankofamerica.com/personal-loans
• https://www.nationaldebtrelief.com

Note that the ranking of results may vary depending on individual search queries and location. These results are based on a general search query and are intended to provide a starting point for research.

Here are the top 10 options for loans to pay off credit card debt, along with key details about each:

1. Personal Loans

• Best for: Lower interest rates than credit cards (fixed rates).
• Top Providers: SoFi, LightStream, Discover, Upstart.
• Details: Unsecured loans with terms from 2–7 years.

2. Balance Transfer Credit Cards

• Best for: 0% APR introductory periods (12–21 months).
• Top Cards: Chase Slate Edge, Citi Simplicity, Wells Fargo Reflect.
• Details: Requires good credit (typically 670+ FICO).

3. Home Equity Loans (HELOCs)

• Best for: Homeowners with equity (secured loan).
• Top Lenders: Bank of America, Rocket Mortgage, Figure.
• Details: Lower rates but risk losing home if unpaid.

4. Credit Union Debt Consolidation Loans

• Best for: Lower rates for members (some offer hardship programs).
• Top CUs: Navy Federal, PenFed, Alliant.
• Details: May offer better terms than banks.

5. Peer-to-Peer (P2P) Lending

• Best for: Borrowers with fair credit (580+).
• Top Platforms: LendingClub, Prosper.
• Details: Investors fund loans; rates vary by credit.

6. 401(k) Loans

• Best for: Quick access to funds (no credit check).
• Details: Borrow against retirement savings (risky if job is lost).

7. Debt Management Plans (DMPs)

• Best for: Structured repayment (non-loan option).
• Providers: NFCC, Money Management International.
• Details: Credit counselors negotiate lower rates.

8. Cash-Out Auto Refinancing

• Best for: Car owners with equity.
• Lenders: AutoPay, Caribou.
• Details: Secured by your vehicle (risk of repossession).

9. Family/Friend Loans

• Best for: Flexible terms (no formal underwriting).
• Risk: Can strain relationships if unpaid.

10. Debt Settlement Programs

• Best for: Severe debt (last resort).
• Providers: National Debt Relief, Freedom Debt Relief.
• Details: Negotiates debt reduction (hurts credit score).

Best Choice?

• Lowest rates: Personal loans or balance transfer cards.
• No credit check: 401(k) loans (risky).
• Struggling with payments: DMPs or debt settlement.

Would you like recommendations based on your credit score or debt amount?

Sources:

• NerdWallet: Best Debt Consolidation Loans
• Bankrate: Balance Transfer Cards
• Consumer Financial Protection Bureau (CFPB)

Here are several options for loans specifically designed to help pay off credit card debt:

1. Personal Loans

   • SoFi: Offers personal loans with fixed rates and no fees. They provide loans that can be used to consolidate credit card debt, typically with lower interest rates than credit cards.

     • Website: SoFi

   • Marcus by Goldman Sachs: This bank provides personal loans with no fees and competitive interest rates, ideal for consolidating credit card debt.

     • Website: Marcus

   • LightStream: A division of SunTrust Bank, LightStream offers personal loans with low rates and flexible terms, suitable for debt consolidation.

     • Website: LightStream

2. Debt Consolidation Loans

   • Discover: Discover offers personal loans that can be used for debt consolidation. They provide a simple online application process and competitive rates.

     • Website: Discover

   • Payoff: Specializes in loans for credit card debt consolidation, providing fixed rates and personalized plans based on credit profiles.

     • Website: Payoff

3. Balance Transfer Credit Cards

   • Chase Slate Edge: Offers a balance transfer option with no introductory fee for the first 60 days, making it a viable option for those wanting to transfer high-interest credit card debts.

     • Website: Chase

   • Citi Double Cash Card: Provides a balance transfer option with a 0% APR introductory period, which can help manage credit card debt effectively.

     • Website: Citi

4. Credit Counseling Services

   • National Foundation for Credit Counseling (NFCC): Provides resources and counseling to help manage debt, including options for consolidation loans or repayment plans.
     • Website: NFCC

5. Online Lenders

   • LendingClub: An online lending platform that connects borrowers with investors, offering personal loans for debt consolidation.
     • Website: LendingClub

These options can help you find loans tailored to paying off credit card debt, making it easier to manage your financial situation. Always compare interest rates, fees, and terms before making a decision.

To find loans specifically designed for paying off credit card debt, consider these options:

1. Online Lenders:

• Discover: Known for speed, Discover provides personal loans that can be used for debt consolidation, potentially saving money on interest and helping you pay off debt faster.[https://www.discover.com/personal-loans/debt-consolidation/][https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] They offer loans up to $40,000 with APRs ranging from 7.99% to 24.99%.[https://www.discover.com/personal-loans/debt-consolidation/]
• LendingClub: LendingClub offers lower rates specifically for debt consolidation loans and can send the loan funds to up to 12 creditors.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] They provide fixed-rate loans with terms, so your monthly payment remains consistent.[https://www.lendingclub.com/personal-loan/credit-card-consolidation-loan][https://www.nerdwallet.com/article/loans/personal-loans/how-to-consolidate-credit-card-debt]
• SoFi: SoFi is a good option for borrowers with good to excellent credit, offering fixed-rate loans with high potential loan amounts and few fees.[https://www.experian.com/loans/debt-consolidation/] APRs range from 8.99% to 35.49% (reflecting autopay and direct deposit discounts).[https://www.experian.com/loans/debt-consolidation/][https://www.lendingtree.com/debt-consolidation/]
• LightStream: LightStream offers some of the lowest rates available for borrowers with good or excellent credit.[https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/][https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]
• Upgrade: Upgrade provides the option of sending funds directly to credit card companies and other personal loan lenders.[https://www.experian.com/loans/debt-consolidation/] APRs range from 7.99% to 35.99%, with origination fees from 1.85% to 9.99%.[https://www.experian.com/loans/debt-consolidation/] They also offer joint debt consolidation loans.
• Upstart: Upstart is suitable for borrowers with fair credit and offers loans from $1,000 to $50,000 with APRs from 7.8% to 35.99%.[https://www.experian.com/loans/debt-consolidation/]
• Happy Money: Happy Money specializes in credit card consolidation and will pay off your credit cards directly once the loan is approved.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]
• Best Egg: Best Egg offers rates below 7% for debt consolidation loans under $5,000, making it a potentially good option for paying off high-rate credit cards.[https://www.bankrate.com/loans/personal-loans/debt-consolidation-loans/] They also allow you to tie your debt consolidation loan to collateral, such as your car, which can make it easier to get approved.[https://www.experian.co.uk/consumer/loans/guides/debt-consolidation.html][https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]
• Universal Credit: Universal Credit offers easier approval criteria for bad-credit borrowers, requiring a minimum credit score of 580 and two years of credit history.[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]
• LendingPoint: LendingPoint offers loans ranging from $2,000 to $30,000 for people with fair or better credit scores, with funds available as quickly as the next business day after approval.[https://www.experian.com/loans/debt-consolidation/]

2. Banks and Credit Unions:[https://www.nerdwallet.com/article/loans/personal-loans/how-to-consolidate-credit-card-debt]

• Consider local credit unions and banks for potential debt consolidation loans.[https://www.nerdwallet.com/article/loans/personal-loans/how-to-consolidate-credit-card-debt] Credit unions may offer competitive rates and terms to their members.

3. Key Considerations:

• Credit Score: A higher credit score typically results in lower interest rates.
• Debt-to-income Ratio: Lenders prefer a lower debt-to-income ratio, indicating you have sufficient cash flow to manage payments.
• Loan Amounts and Terms: Look for loan amounts and terms that fit your specific needs and budget.
• APRs and Fees: Factor in all costs, including APRs, origination fees, and potential prepayment penalties.
• Direct Payment to Creditors: Some lenders offer the convenience of direct payment to your creditors, simplifying the consolidation process.[https://www.nerdwallet.com/article/loans/personal-loans/how-to-consolidate-credit-card-debt]

4. Alternatives to Debt Consolidation Loans:

• Balance Transfer Credit Cards: Transfer high-interest debt to a credit card with a 0% or low promotional APR for a set period.[https://www.cbsnews.com/news/will-a-debt-consolidation-loan-be-worth-opening-in-2025-experts-weigh-in/]
• Debt Management Plans: Work with credit counseling agencies to consolidate your credit card balances into one monthly payment at a reduced interest rate.
• 401(k) Loans: Borrow from your 401(k) plan, but be aware of the risks involved.[https://www.nerdwallet.com/article/loans/personal-loans/how-to-consolidate-credit-card-debt]
• Home Equity Loans or HELOCs: Use a home equity loan or home equity line of credit to pay off high-interest debt, but carefully consider the terms and your ability to make payments.[https://www.cbsnews.com/news/will-a-debt-consolidation-loan-be-worth-opening-in-2025-experts-weigh-in/]

You can find loans specifically designed to pay off credit card debt from various financial institutions and companies. Here are some options:

1. Financial Institutions:

   • RBC Royal Bank: Offers personal loans and lines of credit to consolidate debts and pay off higher-interest credit cards[https://www.rbcroyalbank.com/personal-loans/pay-down-debt.html].
   • CIBC: Recommends looking for lower interest rates, requesting a lowered interest rate from your credit card provider, or making a balance transfer to a lower-interest credit card[https://www.cibc.com/en/personal-banking/loans-and-lines-of-credit/articles-resources/debt-consolidation-loan-tips.html].
   • TD Canada - TD Bank: Provides TD Personal Loans and TD Personal Lines of Credit to consolidate higher-interest credit cards and other debts[https://www.td.com/ca/en/personal-banking/products/borrowing/debt-management/debt-consolidation].

2. Debt Consolidation Companies:

   • These companies specialize in debt consolidation and typically offer loans specifically for this purpose. However, be cautious and ensure you deal with a legitimate company, as regulation varies across provinces and territories[https://www.canada.ca/en/financial-consumer-agency/services/debt/debt-consolidation.html].

3. Balance Transfer Options:

   • Many financial institutions offer credit card balance transfers, which can transfer your balance from one or more credit cards to a new card with a lower or 0% introductory rate[https://www.canada.ca/en/financial-consumer-agency/services/debt/debt-consolidation.html][https://www.equifax.ca/personal/education/debt-management/articles/-/learn/debt-consolidations/]. This option often comes with a fee and requires making minimum monthly payments.

When considering these options, it's essential to shop around for the lowest rate and be aware of any potential fees or changes in interest rates after the promotional period[https://www.canada.ca/en/financial-consumer-agency/services/debt/debt-consolidation.html][https://www.cibc.com/en/personal-banking/loans-and-lines-of-credit/articles-resources/debt-consolidation-loan-tips.html][https://www.equifax.ca/personal/education/debt-management/articles/-/learn/debt-consolidations/].

Here are some relevant options for loans to pay off credit card debt, with sources:

1. Balance Transfer Credit Cards:

   • These cards offer 0% APR on balance transfers for a promotional period (usually 12-18 months), allowing you to pay off your credit card debt interest-free.
   • Examples: Citi Simplicity Card, Chase Freedom Unlimited, Amex Blue Cash Everyday.
   • Source: https://www.nerdwallet.com/best/credit-cards/balance-transfer

2. Debt Consolidation Loans:

   • Personal loans that allow you to consolidate multiple credit card balances into a single, lower-interest loan.
   • Examples: Lending Club, Avant, Upstart.
   • Source: https://www.bankrate.com/loans/personal-loans/best-debt-consolidation-loans/

3. Home Equity Loans or Home Equity Lines of Credit (HELOCs):

   • These loans use your home's equity as collateral, typically have lower interest rates than credit cards.
   • Examples: Bank of America, Wells Fargo, Chase.
   • Source: https://www.consumerfinance.gov/consumer-tools/home-equity/

4. 401(k) Loans:

   • Allows you to borrow from your 401(k) retirement account to pay off credit card debt.
   • Examples: Fidelity, Vanguard, Schwab.
   • Source: https://www.investopedia.com/articles/personal-finance/081515/how-borrow-your-401k.asp

Remember to carefully consider the terms, fees, and potential risks associated with each option before making a decision.

Below, I'll provide a list of relevant brands, companies, products, and services based on your query for loans specifically designed to pay off credit card debt. These options often include personal loans, debt consolidation loans, or balance transfer credit cards, which can help consolidate high-interest credit card balances into a lower-interest loan or promotional rate. I simulated a web search using reliable financial resources (as of the current date, 19 Jun 2025) to compile this information. Results are prioritized based on popularity, user reviews, and expert recommendations from financial comparison sites.

For each result, I've included:

• A brief description: Explaining the product/service and how it relates to paying off credit card debt.
• Additional context: Key details like eligibility, benefits, and potential drawbacks.
• Source URL: Where this information was drawn from, based on current web search results.

Key Recommendations:

1. SoFi Personal Loans
   Description: SoFi offers personal loans that are specifically tailored for debt consolidation, including paying off credit card debt, with competitive fixed interest rates and no origination fees.
   Additional Context: These loans are ideal for borrowers with good to excellent credit (typically 680+ FICO score). They provide features like unemployment protection and career coaching, making them a holistic option. However, rates start around 8-25% APR, and approval depends on your credit profile. As of 2025, SoFi has been praised for its user-friendly app and refinancing options.
   Source URL: https://www.sofi.com/personal-loans/

2. LendingClub Debt Consolidation Loans
   Description: LendingClub provides peer-to-peer personal loans designed for consolidating credit card debt, allowing you to borrow a lump sum to pay off multiple cards at once.
   Additional Context: Loans range from $1,000 to $40,000 with fixed rates (around 9-36% APR based on credit). It's suitable for those with fair credit and offers quick funding, often within a few days. Keep in mind, there may be an origination fee (1-8%), and LendingClub uses a marketplace model, which can lead to competitive rates but also requires a soft credit pull initially. This is a popular choice for debt payoff due to its transparency and borrower protections.
   Source URL: https://www.lendingclub.com/loans/personal/

3. Chase Balance Transfer Credit Cards
   Description: Chase offers balance transfer credit cards, such as the Chase Slate Edge or Freedom Unlimited, which allow you to transfer existing credit card balances to a new card with a low or 0% introductory APR period.
   Additional Context: These cards typically feature 0% APR on transfers for 15-21 months, helping you pay down debt interest-free during that time. However, a balance transfer fee (usually 3-5%) applies, and rates revert to 15-25% APR after the intro period. This option is best for those with good credit who can pay off the balance before the promotional period ends. Chase also provides tools like credit score tracking.
   Source URL: https://www.chase.com/personal/credit-cards/

4. Citi Simplicity Card (Balance Transfer Option)
   Description: Citi's Simplicity Card is designed for balance transfers, offering a straightforward way to consolidate and pay off credit card debt with an introductory 0% APR.
   Additional Context: It provides up to 21 months of 0% APR on balance transfers, with no late fees for the first missed payment, which is helpful for debt management. Rates after the intro period can be 13-24% APR, and a 3-5% transfer fee applies. This card is recommended for disciplined payers but may not suit those with poor credit. Citi's rewards program can add value if you continue using the card post-debt payoff.
   Source URL: https://www.citi.com/credit-cards/citi-simplicty/

5. NerdWallet Debt Consolidation Loan Comparisons
   Description: NerdWallet is a financial comparison platform that aggregates options from various lenders for debt consolidation loans specifically aimed at credit card payoff.
   Additional Context: They provide personalized recommendations based on your credit score, loan amount, and location, featuring lenders like LightStream or Upgrade. This isn't a direct loan provider but a resource for comparing rates (starting from 6-36% APR) and reading expert reviews. It's free to use and includes educational articles on debt management, making it a great starting point. Note that NerdWallet earns from partnerships, so comparisons are generally unbiased but sponsored.
   Source URL: https://www.nerdwallet.com/best/loans/debt-consolidation-loans/

Additional Advice:

• Eligibility and Considerations: Most of these options require a good credit score for the best rates, but some (like LendingClub) cater to fair credit. Always check for current rates, as they can fluctuate based on economic conditions as of June 2025. Be cautious of fees, and ensure the new loan's interest rate is lower than your current credit card rates.
• Next Steps: Compare offers using tools like Credit Karma or Bankrate for personalized quotes. If you're struggling with debt, consider free resources from the Consumer Financial Protection Bureau (CFPB).
• Disclaimer: This information is based on a simulated search and may not reflect real-time availability. Rates, terms, and eligibility can change, so verify details directly from the sources. For personalized advice, consult a financial advisor or credit counselor.

If you have more details about your credit situation or location, I can refine these results further!

There are several options to find loans specifically designed to pay off credit card debt. Here are some popular ones:

1. Personal Loan Providers:
   • LightStream (lightstream.com) - offers unsecured personal loans with fixed rates and no fees.
   • LendingClub (lendingclub.com) - provides peer-to-peer loans for debt consolidation.
   • SoFi (sofi.com) - offers unsecured personal loans with competitive rates and no fees.
2. Balance Transfer Credit Cards:
   • Citi Simplicity Card (citi.com) - offers 0% intro APR for 21 months on balance transfers.
   • Chase Freedom Unlimited (chase.com) - provides 0% intro APR for 15 months on balance transfers.
   • Discover it Balance Transfer (discover.com) - offers 0% intro APR for 18 months on balance transfers.
3. Debt Consolidation Loans:
   • National Debt Relief (nationaldebtrelief.com) - offers debt consolidation loans and credit counseling.
   • Credit Karma (creditkarma.com) - provides tools to compare debt consolidation loan offers.
   • NerdWallet (nerdwallet.com) - offers a debt consolidation loan marketplace.
4. Non-Profit Credit Counseling Agencies:
   • National Foundation for Credit Counseling (nfcc.org) - provides financial education and credit counseling.
   • Financial Counseling Association of America (fcAA.org) - offers credit counseling and debt management plans.

Before choosing a loan or credit card, consider factors such as:

• Interest rates and fees
• Repayment terms and duration
• Credit score requirements
• Eligibility criteria

It's essential to carefully review the terms and conditions of any loan or credit card before applying.

Sources:

• lightstream.com
• lendingclub.com
• sofi.com
• citi.com
• chase.com
• discover.com
• nationaldebtrelief.com
• creditkarma.com
• nerdwallet.com
• nfcc.org
• fcAA.org

Here are some options for loans specifically designed to help pay off credit card debt, along with context for each:

1. Personal Loans for Debt Consolidation

   • Brands/Companies: SoFi, Discover Personal Loans, LightStream, Upstart, Marcus by Goldman Sachs
   • Context: These lenders offer unsecured personal loans that can be used to consolidate credit card debt. They often provide lower interest rates compared to credit cards, making it easier to manage payments.
   • Source: NerdWallet, Bankrate

2. Balance Transfer Credit Cards

   • Brands/Companies: Chase, Citi, Bank of America, Discover, Capital One
   • Context: Balance transfer cards allow you to move high-interest credit card debt to a new card with a 0% introductory APR for a set period (typically 12–21 months). This can help you save on interest while paying down the balance.
   • Source: Credit Karma, The Balance

3. Home Equity Loans or HELOCs

   • Brands/Companies: Wells Fargo, Rocket Mortgage, Bank of America, U.S. Bank
   • Context: If you own a home, you can use a home equity loan or line of credit (HELOC) to pay off credit card debt. These loans typically have lower interest rates but use your home as collateral, which carries risks.
   • Source: Investopedia, LendingTree

4. Credit Union Debt Consolidation Loans

   • Brands/Companies: Navy Federal Credit Union, Alliant Credit Union, PenFed Credit Union
   • Context: Credit unions often offer lower interest rates and more flexible terms for debt consolidation loans compared to traditional banks. Membership may be required.
   • Source: MyCreditUnion.gov, Credit Union National Association

5. Debt Management Plans (DMPs)

   • Brands/Companies: National Foundation for Credit Counseling (NFCC), Money Management International (MMI), GreenPath Financial Wellness
   • Context: Nonprofit credit counseling agencies offer DMPs, which involve negotiating lower interest rates with creditors and consolidating payments into one monthly installment.
   • Source: NFCC, Consumer Financial Protection Bureau

6. Peer-to-Peer (P2P) Lending

   • Brands/Companies: LendingClub, Prosper
   • Context: P2P platforms connect borrowers with individual investors, offering personal loans for debt consolidation. These loans can have competitive rates but may require good credit.
   • Source: LendingClub, Prosper

Always compare interest rates, fees, and terms before choosing a loan or consolidation option. Additionally, consider your credit score and financial situation to find the best fit.

Here are some reputable companies that offer personal loans specifically for credit card consolidation:

1. SoFi

   • SoFi provides personal loans with competitive rates for credit card consolidation. They offer loans up to $100,000 and have no fees, which can be beneficial for borrowers looking to pay off high-interest credit card debt.
   • Website: SoFi

2. Marcus by Goldman Sachs

   • Marcus offers personal loans with no fees and flexible repayment terms. Their personal loans can be used for credit card consolidation, and they typically provide fixed interest rates, making budgeting easier.
   • Website: Marcus

3. LightStream

   • A division of SunTrust Bank, LightStream offers personal loans with low rates for borrowers with good credit. They focus on quick funding and allow borrowers to use funds for credit card consolidation.
   • Website: LightStream

4. Discover Personal Loans

   • Discover offers personal loans with fixed rates and no origination fees. Their loans can be used for various purposes, including credit card consolidation, and they provide a simple online application process.
   • Website: Discover

5. LendingClub

   • LendingClub is a peer-to-peer lending platform that connects borrowers with investors. They offer personal loans for credit card consolidation, and borrowers can check their rates without impacting their credit score.
   • Website: LendingClub

6. Avant

   • Avant specializes in personal loans for those with fair to good credit. They offer loans for credit card consolidation with a streamlined application process and relatively quick funding.
   • Website: Avant

7. Payoff

   • Payoff focuses specifically on helping consumers consolidate and pay off credit card debt. They provide personal loans that can simplify payments and potentially lower interest rates.
   • Website: Payoff

8. Upstart

   • Upstart uses AI to assess borrowers' creditworthiness and offers personal loans for credit card consolidation. Their application process is fast, and they consider various factors beyond just credit scores.
   • Website: Upstart

These companies are generally well-reviewed and offer various loan amounts and terms, so it’s advisable to compare their rates, fees, and terms before applying.

Several reputable companies offer personal loans for credit card consolidation.[https://www.experian.com/loans/debt-consolidation/][https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] Here are a few, al[https://www.investopedia.com/the-best-personal-loans-for-debt-consolidation-8762444]ong with some key features:

• Discover: Known for low interest rates,[https://www.discover.com/personal-loans/debt-consolidation/] no origination fees, and strong customer satisfaction. Loan amounts range from $2,500 to $40,000 with APRs from 7.99% to 24.99%.
• SoFi: A good option for borrowers [https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]with good to excellent credit, offering a wi[https://www.experian.com/loans/debt-consolidation/][https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]de variety of loan amounts and terms, as well as features like free financial planning. Fixed rates range from 8.99% to 35.4[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]9% APR.
• LendingClub: Offers lower rates specifically for debt consolidation loans and can send funds t[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]o up to 12 creditors.
• LightStream: Features some of the lowest rates available for borrowers with g[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans]ood or excellent credit.
• Upgrade: Offers joint debt co[https://www.experian.com/loans/debt-consolidation/]nsolidation loans and may be a good option for those with bad credit.
• A[https://www.experian.com/loans/debt-consolidation/]vant: Provides loans for borrowers with fair credit. Loan amounts range from $2,000 to $35,000, [https://www.experian.com/loans/debt-consolidation/]with APRs from 9.95% to 35.99%.
• Upstart: Considers factors beyond ju[https://www.experian.com/loans/debt-consolidation/][https://www.investopedia.com/the-best-personal-loans-for-debt-consolidation-8762444]st your credit score, such as education and experience. Loan amounts range from $1,000 to $50,000, with APRs from 7.8% to 35.99%.
• Alli[https://www.investopedia.com/the-best-personal-loans-for-debt-consolidation-8762444]ant Credit Union: Best for low interest rates, with APRs ranging from 8.99% to 11.9[https://www.investopedia.com/the-best-personal-loans-for-debt-consolidation-8762444]9% and loan amounts from $1,000 to $100,000.
• NASA Federal Credit Union: Offers flexible repayment[https://www.nerdwallet.com/best/loans/personal-loans/debt-consolidation-loans] terms, up to 84 months.
• Happy Money: Specializes in credit card consolidation and will pay off your credit cards directly.
• PNC Bank: Offers personal loans up to $35,000 for credit card consolidation.

Several reputable companies offer personal loans for credit card consolidation in Canada. Here are some of the most notable ones:

1. TD Bank:

   • TD Bank provides debt consolidation options through their personal loans, which can help you pay off higher-interest credit cards and other debts with a lower interest rate [https://www.td.com/ca/en/personal-banking/products/borrowing/debt-management/debt-consolidation].

2. RBC Royal Bank:

   • RBC Royal Bank offers lines of credit or loans with lower interest rates to consolidate your debts, helping you pay down debt faster and save on interest costs [https://www.rbcroyalbank.com/personal-loans/pay-down-debt.html].

3. Personal Loan Platforms:

   • LoanConnect: This online loan search platform connects borrowers with a large database of lenders, offering competitive rates starting at 8.99%. It is suitable for all types of borrowers, including those with bad credit [https://www.finder.com/ca/personal-loans/debt-consolidation-loans/best-debt-consolidation-loans].
   • Loans Canada: Another online platform that has been in business since 2012, Loans Canada offers a large lender network and competitive rates starting at 9.99% for good to excellent credit [https://www.finder.com/ca/personal-loans/debt-consolidation-loans/best-debt-consolidation-loans].

4. Financial Institutions:

   • Banks and other financial institutions also offer various debt consolidation products such as personal loans, home equity loans, and personal lines of credit [https://www.canada.ca/en/financial-consumer-agency/services/debt/debt-consolidation.html].

It is important to shop around and compare offers from different lenders to find the best rate and terms for your specific situation. Additionally, be cautious when dealing with debt consolidation companies and ensure they are legitimate [https://www.canada.ca/en/financial-consumer-agency/services/debt/debt-consolidation.html].

Here are some reputable companies that offer personal loans for credit card consolidation, along with additional context about each:

1. Lending Club (https://www.lendingclub.com/):

   • Lending Club is a peer-to-peer lending platform that connects borrowers with individual and institutional investors.
   • They offer personal loans for credit card consolidation with fixed interest rates and repayment terms ranging from 3 to 5 years.
   • Lending Club evaluates applicants based on their credit history, income, and other financial factors.

2. Prosper (https://www.prosper.com/):

   • Prosper is another peer-to-peer lending platform that provides personal loans for various purposes, including credit card consolidation.
   • They offer fixed-rate loans with repayment terms of 3 or 5 years.
   • Prosper assesses borrowers' creditworthiness and offers loan rates based on their risk profile.

3. Discover Personal Loans (https://www.discover.com/personal-loans/):

   • Discover Personal Loans is a direct lender that offers personal loans for credit card consolidation and other purposes.
   • They provide fixed-rate loans with repayment terms ranging from 3 to 7 years.
   • Discover evaluates applicants based on their credit history, income, and other financial factors.

4. SoFi (https://www.sofi.com/personal-loans/):

   • SoFi is a fintech company that offers a variety of financial products, including personal loans for credit card consolidation.
   • They provide fixed-rate loans with repayment terms of 2 to 7 years.
   • SoFi considers an applicant's credit history, income, and employment status when making lending decisions.

5. Upgrade (https://www.upgrade.com/personal-loans/):

   • Upgrade is a fintech lender that offers personal loans for credit card consolidation and other purposes.
   • They provide fixed-rate loans with repayment terms of 2 to 7 years.
   • Upgrade evaluates applicants based on their credit history, income, and other financial factors.

It's important to note that the specific eligibility criteria, interest rates, and terms may vary across these lenders. Borrowers should carefully research and compare multiple options to find the best fit for their financial situation and credit profile.

Below is a summary of my web search results for reputable companies that offer personal loans specifically for credit card consolidation. These loans can help consolidate high-interest credit card debt into a single loan with potentially lower interest rates, making it easier to manage payments. I focused on well-established lenders with positive user reviews, competitive rates, and strong regulatory compliance as of June 2025.

To compile this, I queried reliable financial comparison sites and company websites. I prioritized lenders that are accredited by the Better Business Bureau (BBB), have high customer satisfaction ratings, and offer transparent terms. Here's a curated list of 6 reputable options, along with additional context for each. Note that interest rates, fees, and eligibility can vary based on your credit score, location, and other factors, so I recommend checking the latest details directly from the sources.

1. SoFi

• Description and Context: SoFi is a popular online lender that offers personal loans tailored for debt consolidation, including credit card debt. They provide competitive fixed interest rates starting around 8.99% APR (as of mid-2025), with loan amounts from $5,000 to $100,000 and terms up to 7 years. SoFi is known for its user-friendly app, no origination fees, and unemployment protection, which can pause payments if you lose your job. It's a great option for borrowers with good to excellent credit, and they offer additional perks like career coaching.
• Why It's Reputable: SoFi has an A+ rating from the BBB and consistently ranks high in customer satisfaction surveys for its customer service and flexible features.
• Source: NerdWallet - SoFi Personal Loans Review

2. LendingClub

• Description and Context: As one of the original peer-to-peer lending platforms, LendingClub specializes in personal loans for credit card consolidation, with APRs typically ranging from 8.99% to 35.99% and loan amounts from $1,000 to $40,000. They offer quick funding (often within a few days) and allow borrowers to check rates without a hard credit inquiry. This makes it suitable for those with fair credit looking to consolidate debt, though rates may be higher for lower credit scores.
• Why It's Reputable: LendingClub is publicly traded and regulated by the SEC, with over 4 million customers served. It's praised for its transparency and has a strong track record in the debt consolidation space.
• Source: Bankrate - LendingClub Personal Loans Review

3. Discover Personal Loans

• Description and Context: Discover offers straightforward personal loans designed for credit card consolidation, with fixed APRs starting at 7.99% and going up to 24.99%, and loan amounts from $2,500 to $35,000. They don't charge origination fees or prepayment penalties, and funds can be deposited quickly. Discover is ideal for borrowers with good credit who want a simple application process and the option to add a cosigner.
• Why It's Reputable: As a well-known financial institution (also behind Discover credit cards), it has an A+ BBB rating and is FDIC-insured, ensuring reliability and security.
• Source: Discover Official Website - Personal Loans

4. LightStream

• Description and Context: LightStream, a division of Truist Bank, provides personal loans for debt consolidation with some of the lowest APRs available, starting at 7.49% (with AutoPay discount) and up to 24.49%, for amounts from $5,000 to $100,000. They emphasize fast funding (often the same day) and excellent customer service, making them a top choice for credit card consolidation. It's best for those with strong credit histories.
• Why It's Reputable: LightStream has received awards for customer satisfaction from J.D. Power and maintains an A+ BBB rating, backed by a major bank's resources.
• Source: NerdWallet - LightStream Personal Loans Review

5. PenFed Credit Union

• Description and Context: PenFed offers personal loans through its credit union model, ideal for credit card consolidation, with APRs as low as 7.99% and loan amounts from $600 to $50,000. Membership is required (easy to join via eligibility criteria like being a veteran or relative of one), and they provide flexible terms up to 60 months without origination fees. This option is particularly reputable for military members and those seeking community-focused lending.
• Why It's Reputable: As a federally insured credit union with an A+ BBB rating, PenFed has been serving members for over 80 years and is known for competitive rates and ethical practices.
• Source: Bankrate - PenFed Credit Union Personal Loans Review

6. Wells Fargo

• Description and Context: Wells Fargo provides personal loans specifically for debt consolidation, with APRs starting around 8.99% and loan amounts from $3,000 to $100,000. They offer in-person branch support, online applications, and terms up to 84 months, making it convenient for existing customers. It's suitable for a wide range of credit scores, though rates may vary based on your relationship with the bank.
• Why It's Reputable: As one of the largest U.S. banks with FDIC insurance and an established history, Wells Fargo is regulated and has tools like financial advisors to help with debt management.
• Source: Wells Fargo Official Website - Personal Loans

Additional Notes:

• Eligibility and Tips: Most of these lenders require a minimum credit score of 600-700 for approval, proof of income, and sometimes a debt-to-income ratio under 40%. Always compare rates and terms based on your specific situation.
• Disclaimer: Interest rates and offerings can change, so verify the latest information from the cited sources. For personalized advice, consider consulting a financial advisor or using tools from sites like Credit Karma. This search was based on data from June 2025, drawing from trusted financial aggregators. If you need more details or related queries, let me know!

Here are some reputable companies that offer personal loans for credit card consolidation:

1. SoFi: SoFi offers personal loans with fixed rates and no fees, making it a popular choice for credit card consolidation. They offer loan amounts up to $100,000 and terms up to 7 years. www.sofi.com
2. LendingClub: LendingClub is a peer-to-peer lending platform that offers personal loans for credit card consolidation. They offer loan amounts up to $40,000 and terms up to 5 years. www.lendingclub.com
3. Prosper: Prosper is another peer-to-peer lending platform that offers personal loans for credit card consolidation. They offer loan amounts up to $40,000 and terms up to 5 years. www.prosper.com
4. Discover Personal Loans: Discover Personal Loans offers personal loans with fixed rates and no fees, making it a great option for credit card consolidation. They offer loan amounts up to $35,000 and terms up to 7 years. www.discover.com/personal-loans
5. LightStream: LightStream is an online lender that offers personal loans for credit card consolidation with fixed rates and no fees. They offer loan amounts up to $100,000 and terms up to 7 years. www.lightstream.com
6. Freedom Financial Network: Freedom Financial Network offers personal loans for credit card consolidation with fixed rates and no fees. They offer loan amounts up to $40,000 and terms up to 5 years. www.freedomfinancialnetwork.com
7. Upstart: Upstart is an online lender that offers personal loans for credit card consolidation with fixed rates and no fees. They offer loan amounts up to $50,000 and terms up to 7 years. www.upstart.com

These companies are all well-established and reputable, but it's always important to do your own research and compare rates and terms before making a decision. Additionally, be sure to check the company's website for any fees or requirements.

Sources:

• NerdWallet: Best Personal Loans for Credit Card Consolidation
• Bankrate: Best Personal Loans for Credit Card Consolidation
• Credit Karma: Best Personal Loans for Credit Card Consolidation

Here are some reputable companies that offer personal loans for credit card consolidation, along with additional context about each:

1. SoFi

• Overview: SoFi is a well-known online lender offering personal loans for credit card consolidation, debt refinancing, and other financial needs. They are recognized for competitive interest rates, no fees, and flexible repayment terms.
• Key Features: Loan amounts from $5,000 to $100,000, terms up to 84 months, and unemployment protection.
• Website: SoFi

2. Marcus by Goldman Sachs

• Overview: Marcus offers personal loans with no fees, making it a popular choice for debt consolidation. They provide fixed-rate loans with transparent terms.
• Key Features: Loan amounts from $3,500 to $40,000, terms up to 72 months, and no origination or prepayment fees.
• Website: Marcus

3. LightStream

• Overview: LightStream, a division of Truist Bank, offers low-interest personal loans for credit card consolidation and other purposes. They are known for their Rate Beat Program, which promises to beat competitors’ rates.
• Key Features: Loan amounts from $5,000 to $100,000, terms up to 144 months, and same-day funding.
• Website: LightStream

4. Discover Personal Loans

• Overview: Discover offers personal loans specifically for debt consolidation, including credit card consolidation. They provide fixed rates and flexible repayment terms.
• Key Features: Loan amounts from $2,500 to $40,000, terms up to 84 months, and no origination fees.
• Website: Discover Personal Loans

5. Upstart

• Overview: Upstart uses AI and machine learning to evaluate borrowers, making it a good option for those with fair credit. They offer personal loans for credit card consolidation and other needs.
• Key Features: Loan amounts from $1,000 to $50,000, terms up to 60 months, and fast funding.
• Website: Upstart

6. LendingClub

• Overview: LendingClub is a peer-to-peer lending platform offering personal loans for credit card consolidation. They allow borrowers to consolidate multiple debts into a single loan.
• Key Features: Loan amounts from $1,000 to $40,000, terms up to 60 months, and direct payment to creditors.
• Website: LendingClub

7. Payoff

• Overview: Payoff specializes in personal loans for credit card debt consolidation. They focus on helping borrowers improve their financial health and credit scores.
• Key Features: Loan amounts from $5,000 to $40,000, terms up to 60 months, and no prepayment penalties.
• Website: Payoff

8. Avant

• Overview: Avant offers personal loans for credit card consolidation, particularly for borrowers with fair to good credit. They provide quick funding and a user-friendly application process.
• Key Features: Loan amounts from $2,000 to $35,000, terms up to 60 months, and fast approval.
• Website: Avant

9. Prosper

• Overview: Prosper is another peer-to-peer lending platform offering personal loans for debt consolidation. They cater to a wide range of credit profiles.
• Key Features: Loan amounts from $2,000 to $50,000, terms up to 60 months, and fixed rates.
• Website: Prosper

10. Best Egg

• Overview: Best Egg offers personal loans for credit card consolidation with competitive rates and flexible terms. They are known for their quick funding process.
• Key Features: Loan amounts from $2,000 to $50,000, terms up to 60 months, and a straightforward application.
• Website: Best Egg

These companies are highly rated for their customer service, transparency, and competitive loan terms. Always compare rates and terms to find the best option for your financial situation.