Personal Loans for Credit Cards
If high credit card balances and rising interest rates are making it hard to get ahead, personal loans for credit cards can help you regain control. You can consolidate debt and roll multiple balances into a single structured payment that can help you save money on interest over the life of the loan2.
Get a decision in 3 minutes
No upfront fees or hidden costs
Applications open 24/7
Use funds to pay off credit card balances
Representative Example: $1,000 loan over a 12-month term would have a total cost, including interest, a total payback amount of $1,134.72. APR 29.82%. Rates between 5.99% APR and 35.99% APR for qualified customers2. Loan term lengths from 3 to 36 months for qualified consumers.
Why Choose Yup Loans for Personal Loans for Credit Cards
Fast, Simple Application
Complete one quick online form and get matched with lenders offering personal loans for debt consolidation. The process takes just minutes1, and you can get a decision without visiting multiple websites or filling out stacks of paperwork. Some lenders will begin with a soft credit pull to review your information.
Funds as Soon as the Next Business Day
Once approved, funds can be deposited directly into your checking account as soon as the next business day*. You can use the money to pay off your credit card balances, including a high-interest credit card, and immediately begin focusing on a single structured repayment plan.
Options for Different Credit Backgrounds
Our network includes lenders who look beyond just your credit score when reviewing applications³. Depending on your profile, you could qualify for a lower interest rate than what you are currently paying2.
Reviews
Amanda R., Orlando, FL⁵: “I had balances spread across three cards and the payments were getting out of control. I used Yup Loans to find a lender, and the process was quick and straightforward. Once I consolidated everything, it was a relief to have one payment to plan around each month.”
Marcus T., Sacramento, CA⁵: “My credit card interest kept climbing and I felt like I was never making progress. I applied online, reviewed the offer, and used the funds to pay off my cards. The monthly payment was clear, and it helped me feel like I finally had a plan.”
How Personal Loans for Credit Card Debt Consolidation Work
Personal loans for credit cards let you borrow a fixed amount of money to pay off one or more balances, effectively consolidating multiple debts into a single loan with a clear repayment schedule. Unlike revolving credit, this type of debt consolidation loan comes with a fixed rate and a defined term.
When you apply through Yup Loans, you complete a secure online form that connects you with lenders in our network. If approved, you will receive a loan offer outlining the interest rate, repayment schedule, loan amount, and total cost.
After accepting a loan offer, funds are typically deposited into your checking account as soon as the next business day*. You can then use the funds to pay off your credit cards and begin making fixed installment payments over the agreed term. Making consistent payments will help improve your credit over time, while missed payments can negatively affect your credit score.
Get a Personal Loan for Credit Cards in 3 Easy Steps
1
Complete a Quick Application
Fill out our simple online form with basic personal and financial information. The process takes just minutes and is available 24 hours a day, 7 days a week.
2
Review Your Loan Offer
If matched with a lender, review the loan amount, interest rate, repayment term, and total cost. A loan could provide a clear payoff timeline if the monthly payment fits comfortably within your budget.
3
Use Funds to Pay Off Your Credit Cards
Once approved, funds can be deposited into your account as soon as the next business day*.
Personal Loans to Consolidate Credit Cards FAQs
Can I get a personal loan to pay off a credit card debt?
Yes! Many borrowers use personal loans to consolidate debt across multiple credit cards into a single loan with a single predictable monthly payment.
How is a credit card consolidation loan different from a credit card?
A credit card is revolving debt, which means your balance and interest can continue to grow if you only make minimum payments. A credit card consolidation loan is an installment loan with a fixed term and structured payments, which can make budgeting easier.
How much could I save with a credit card consolidation loan?
Savings depend on your current interest rates and the rate you qualify for. If you secure a lower rate, you could reduce the total interest you pay over time, though results vary depending on your specific terms.
Does credit card consolidation hurt your credit score?
Applying for a personal loan should result in a credit inquiry, which can temporarily affect your credit score. Over time, reducing revolving balances and making on time payments can strengthen your credit profile.
What happens to my existing credit card debt after I consolidate?
When you use loan funds to pay off your existing balances, those accounts are reduced or paid in full. You then focus on repaying your new installment loan according to its agreed schedule.
Take Control of Your Credit Card Debt Today
High-interest debt can make it difficult to move forward financially. Personal loans for credit cards can help you simplify repayment and create a structured path toward becoming debt-free.
Our online application takes just minutes to complete¹, and you could receive a decision in about 3 minutes. If approved, funds may be deposited as soon as the next business day*, helping you move quickly toward financial stability.