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Debt Consolidation Loans for Credit Card Relief
Debt Consolidation Loans for Credit Card Relief
I was juggling five credit cards with rates over 22%. I’d make payments, but my balances barely moved. In early 2025, I finally tried a credit card consolidation loan — and it worked. Here's exactly what I did, and how much I saved.
Why Consolidation Loans Made Sense
Each card had a different due date, rate, and app. I was always stressed. A personal loan for debt consolidation let me combine them into one payment — lower interest, fixed term, no surprises.
Lenders I Compared in 2025
- SoFi: Great for strong credit, no fees
- Upgrade: Approves lower credit scores
- LightStream: Low APR if you qualify
How I Qualified
- Score over 620 (mine was 648)
- Steady income and no recent delinquencies
- Debt-to-income ratio under 45%
How Much I Saved
I borrowed $12,000 to pay off my cards. My average credit card APR was 23.4% — the new loan was 9.99%. That alone saved me over $1,100 in interest over 24 months. Plus, I had just one payment to manage.
Bad Credit? Still Possible
If your credit score is under 600, you still have options. Some lenders offer credit card consolidation loan for bad credit borrowers — with higher APR, but better than payday rates.
Checklist Before You Apply
- ✔ Know your total debt amount
- ✔ Get a free credit report (Credit Karma or AnnualCreditReport.com)
- ✔ Compare multiple lenders before signing
- ✔ Use a loan calculator to see total interest
Final Thought
Don’t wait until you miss a payment. I was one late fee away from another spiral. Taking action with a low interest debt consolidation loan gave me room to breathe — and rebuild.
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Labels: credit card consolidation loan, debt relief options 2025, personal loan for credit cards, fix credit debt
Search Description: I used a debt consolidation loan to pay off 5 cards in 2025. Here’s how I qualified and what I saved in interest.
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