Credit protection

Best January 2022 Credit Card Consolidation Loans January 2022

Reached

Ideal for credit card consolidation loans

3.52–35.99%

Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be eligible for the full amount. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5,100. The minimum loan amount in GA is $3,100. This offer is subject to final approval based on our review and verification of financial and non-financial information. The loan rate and amount are subject to change depending on the information received in your complete application. This offer can only be accepted by the person identified in this offer, who is old enough to legally enter into a credit extension agreement, a US citizen or permanent resident and current resident of the United States. Duplicate offers are void. Closing of your loan is dependent on your meeting our eligibility criteria, verifying your information, and agreeing to the terms and conditions on the www.upstart.com website. The full range of available rates varies by state. The average 3-year loan offered to all lenders using the Upstart platform will have an APR of 21.97% and 36 monthly payments of $35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $12,646, including an origination fee of $626. The APR is calculated based on the 3-year rates offered in the last month. There is no down payment or prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. If you accept your loan before 5:00 PM EST (excluding weekends and holidays), you will receive your funds the next business day. Loans used to fund education-related expenses are subject to a 3 business day waiting period between loan acceptance and funding in accordance with federal law.

$1,000–$50,000

Nothing

loan club

loan club

Ideal for credit card consolidation loans

7.04–35.89%

A representative example of loan repayment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and an origination fee of 5.30 % of $711, for an APR of 15.99%. In this example, you will receive $12,700 and make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan terms are 36 months or 60 months. Certain amounts and terms may not be available in certain states. The APR ranges from 7.04% to 35.89% and is determined at the time of application. Origination fees vary from 3% to 6% of the loan amount. The lowest APR is available for borrowers with excellent credit. Advertised rates and fees are valid as of 07/01/21 and are subject to change without notice. Loans are made by LendingClub Bank, NA, Member FDIC (“LendingClub Bank”), a wholly owned subsidiary of LendingClub Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment prior to to be able to be financed or issued. Certain information that we subsequently obtain as part of the application process (including, but not limited to, information contained in your consumer report, your income, the loan amount you are requesting, the purpose of your loan and eligible debt) will be taken into account and may affect your ability to obtain a loan from us. Closing of the Loan is subject to acceptance of all required agreements and disclosures on Lendingclub.com. “LendingClub” is a registered trademark of LendingClub Bank.

$1,000–$40,000

600

To improve

To improve

Ideal for credit card consolidation loans

5.94–35.47%

Personal loans granted through Upgrade have APRs of 5.94% to 35.47%. All personal loans carry an origination fee of 2.9% to 8%, which is deducted from the loan proceeds. Lower rates require automatic payment and direct repayment of some existing debt. For example, if you receive a $10,000 loan with a term of 36 months and an APR of 17.98% (which includes an annual interest rate of 14.32% and a one-time origination fee of 5%) , you will receive $9,500 in your account and you will have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. Your loan APR may be higher or lower, and your loan offers may not have multiple terms available. The actual rate depends on credit score, credit usage history, loan term and other factors. Late payments or subsequent fees and commissions may increase the cost of your fixed rate loan. There are no fees or penalties for prepaying a loan. Personal loans issued by Upgrade lending partners. Information about Upgrade’s lending partners is available at https://www.upgrade.com/lending-partners/. Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of completing the necessary verifications. The availability of funds depends on how quickly your bank processes the transaction. From the time of approval, funds must be available within four (4) business days. Funds sent directly to repay your creditors may take up to 2 weeks to clear, depending on the creditor.

$1,000–$50,000

560

To pay

To pay

Ideal for credit card consolidation loans

5.99–24.99%

This does not constitute a true commitment to lend or an offer of credit. When submitting a loan application, you may be asked to provide additional documentation to enable us to verify your income, assets and financial situation. Your interest rate and the terms you are approved for will be presented to you as part of the online application process. Most applicants will receive a variety of loan offers to choose from, with varying loan amounts and interest rates. Borrower subject to loan origination fees, which are deducted from loan proceeds. Refer to the complete Borrower Agreement for all terms, conditions and requirements.

$5,000–$40,000

600

light stream

LightStream

Ideal for credit card consolidation loans

4.49–20.49%

The terms of your loan, including the APR, may differ depending on the purpose of the loan, the amount, the term and your credit profile. AutoPay 0.50% point rebate is only available when selected prior to loan funding. Rates without automatic payment will be 0.50% higher. To obtain a loan, you must complete an application on LightStream.com, which may affect your credit score. Subject to credit approval. Conditions and limitations apply. Advertised rates and conditions are subject to change without notice. Payment Example: Monthly payments for a $10,000 loan at 6.14% APR with a term of 3 years would result in 36 monthly payments of $304.85. Truist Bank is an equal housing lender. ©2021 True Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

$5,000–$100,000

Loan example: A $20,000 four-year loan with an APR of 13.9% would cost $546 in monthly payments. You would pay $6,208 in total interest on this loan.

660

Marcus of Goldman Sachs

Marcus of Goldman Sachs

on the Goldman Sachs website

Ideal for credit card consolidation loans

6.99–19.99%

The terms of your loan are unsecured and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documents, including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including the purpose of your loan and our assessment of your creditworthiness. Rates vary based on many factors, such as your creditworthiness (for example, your credit score and credit history) and the length of your loan (for example, 36-month loan rates are generally lower than loan rates). 72 month loans). The maximum amount of your loan may vary depending on the purpose of your loan, your income and your creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms. Receive a 0.25% APR discount when you sign up for AutoPay. This discount will not be applied if AutoPay is not in effect. Once enrolled, more of your monthly payment will be applied to your principal loan amount and less interest will accrue on your loan, which may result in a smaller final payment. See the loan agreement for more details.

$3,500–$40,000

660

600 minimum VantageScore® 3.0 and 660 minimum FICO® 9.0.

To discover

Discover® Personal Loans

Ideal for credit card consolidation loans

5.99–24.99%

This is not a commitment to lend from Discover Personal Loans. Your approval for a loan is determined after you apply and is based on your application information and your credit history. Your APR will range between 5.99% and 24.99% depending on creditworthiness at the time of application for loan terms of 36 to 84 months. For example, if you get approved for a loan of $15,000 at 6.99% APR for a term of 72 months, you will only pay $256 per month. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate, such as your credit history, application information, and the term you select. Not all requests will be approved.

$2,500–$35,000

720