Take control of your debt.

A debt consolidation loan can simplify your finances and lower your interest rate.
  • Single form, multiple personalized loan offers
  • Loans up to $100K. Rates from % APR**
  • Safe & secure process to protect your data
  • Checking rates won't hurt your credit score.
Looking for a different loan type?

How It Works

Single form, competing loan offers.

Since 2013, we've been building the most transparent financial services comparison platform. We make lenders compete for your loan, so you know that you're getting the best option out there.

Step 1

Apply online in seconds

Tell us about yourself and how much you want to borrow.

Step 2

Choose your best offer

Compare real rates, terms, and payments among competing lending partners.

Step 3

Get your money

Loan proceeds disbursed directly into your bank account.

$5 Billion+
Financing Requests Processed

Why consolidate debt?

What are the benefits of debt consolidation?

When you consolidate your debt, you are combining all of your existing unsecured debt into a single installment loan with a predictable monthly payment.

Step 1

Simplify Payments

Reduce the stress of multiple bills by consolidating into one affordable monthly payment.

Step 2

Save Money

A lower fixed-interest rate may reduce the total interest you pay while getting you out of debt faster.

Step 3

Low Fixed Rate

With an affordable fixed rate, your monthly payment never increases.

With great power comes great responsibility.

We take your data security seriously. Rest easy knowing SuperMoney protects your data with advanced encryption.

Why SuperMoney

Tightly integrated with leading online lenders.

Totally free

SuperMoney offer engine is free to use. No hidden fees!

Real offers, real-time

You get real-time, pre-qualified offers from multiple lenders.

Won't hurt your credit score

Checking your rates does not affect your credit score.

Loans up to $100K

Loan amounts ranging from $500 to $100,000

For all credit types

We have lending partners for all types of credit scores.

Safe & secure

We protect your data with advanced encryption.

Unbiased

SuperMoney is a neutral platform. All reviews & recommendations you see on SuperMoney come from verified community members.

Transparent

With SuperMoney, you can transparently compare your options and choose the best one for you without any pressure.

Our lending partners

Here are just a few of SuperMoney's integrated lending partners...

Avant Loans
Axos Bank Personal Loans
Best Egg Personal Loans
BHG Personal Loans
LendingClub Personal Loans
LightStream Personal Loans
NetCredit Personal Loans
OppLoans Personal Loans
Payoff Personal Loans
PenFed Credit Union Personal Loans
Prosper Personal Loans
RISECredit.com Personal Loans
SoFi Personal Loans
Universal Credit Personal Loans
Upgrade Personal Loans

Consolidate & Save

How much can you save?

Consolidating your credit card debt with a personal loan can help you save in the long run. Enter your credit card debt amount and see how much you can save.

Testimonials

Don't just take our word for it.

Here's what our users are saying about our personal loan offer engine.

Quick, simple and easy. Fast turn around time. Very pleasant to speak with. Would recommend to others. - Colleen S.

SuperMoney did very well by me. They got me the financing I needed to wipe out my credit card debt... I would gladly recommend them. - Craig S.

It was easy, trustful, and reliable! SuperMoney is great! - Jeanluc B.

Frequently Asked Questions

Your debt consolidation questions answered.

  • Debt consolidation is the process of combining your existing high-interest debt, like credit cards, into one manageable personal loan with a fixed monthly installment payment. Instead of making multiple payments each month to various creditors, you make just one payment at a lower overall interest rate, which reduces your monthly payment obligation and simplifies your bill-paying process.

    A debt consolidation loan is a loan used to pay off your existing debts. For example, let's say you have balances in several high interest credit cards. You could use a debt consolidation loan with better terms and rates to pay them all off.

  • If you qualify for a debt consolidation loan with a lower interest rate than you're currently paying, a debt consolidation loan could be an excellent solution for you. A lower interest rate will help you reduce your total debt expense and pay the debt off faster. A debt consolidation loan may also lower your monthly payment. Aside from the interest savings, rolling multiple debts such as medical, credit card, or other debt balances into one loan with one monthly payment can help greatly simplify your monthly finances.
  • Each lender has their own set requirements to qualify for a debt consolidation loan. But what they typically look for borrowers who are U.S. citizens or permanent residents that are 18 or older, have a valid Social Security number, have a steady income, and those who have a good credit history.

    Checking your rates with SuperMoney has absolutely no impact to your credit score because our integrated lending partners use a soft credit pull. A hard credit pull that could impact your score will only occur if you continue with your loan and your money is sent. The good news is that a personal loan could positively impact your credit down the road if you’re able to show a history of on-time payments and a reduction in overall debt (that means no new debt, such as higher credit card balances).

  • If you're comparing personal loans, the annual percentage rate (APR) on the loan is the most important thing to look at. The APR is a percentage that reflects how much a loan costs on an annual basis, including interest and fees. Some lenders highlight the interest rate of their loans. But the interest rate alone doesn't tell you the whole story of a loan because some lenders may sneak in expensive fees. Comparing personal loan APRs is the best way to compare two loans on an apples-to-apples basis. In the United States, lenders are required to provide an APR when making a loan offer by the Truth in Lending Act (TILA) of 1968. However, the APR of a loan is not the only thing you should consider. You should also look for:
    • Repayment terms. Try to get the lowest repayment term you can afford. The longer the term, the more interest you will pay.
    • Origination fees. Lenders are required to include origination fees in the APR but you still need to consider them when deciding how much you should borrow. This is because lenders deduct the origination fee from the loan amount. So if you borrow $10,000 and there is a 5% origination fee, you will only receive $9,500.
  • Prequalification means that a lender or other partner has reviewed the application you submitted through SuperMoney and has conditionally approved your submission. Once you select a prequalified offer you complete the final application directly with the lender.
  • After submitting your loan application, you will get a response within seconds. If you are pre-qualified by one or more lenders, the loan offers will be aggregated into an easy to compare format to help you compare your options.
  • SuperMoney's loan offer engine allows you to check what rates and terms you prequalify for with leading lenders by completing one short form. There are no strings attached and it won't hurt your credit score. Get Started!
  • A debt consolidation loan offers you the convenience of getting your money fast. Funding can happen in as little as one business day of accepting the loan so you can pay off your high-interest credit cards immediately. However, exact funding timeframe can vary based on the lender you select and by application.
  • Combining multiple debt balances into one new loan is likely to raise your credit scores over the long term as long as you use the money to pay off your debt, which improves your debt utilization ratio.

    Checking loan offers on SuperMoney’s loan offer engine involves a soft credit pull which does not affect your credit score.

    You may get adverse action letters from lenders that indicate that your credit was pulled but these are required by law and do not indicate that a hard credit inquiry occurred.

    However, please note that if you do decide to accept an offer and move forward with the loan, lenders will typically do a hard credit pull at that time. It is possible you could see a temporary decline in your credit scores at first, but your scores can quickly recover (and improve) if you continue to make payments on time and don't accumulate any more debt.

  • SuperMoney is integrated with lending partners for all types of credit. Our lending partners will use your credit score, income, and other information you provide to determine your eligibility. Apply to find out if you the rates and terms you may prequalify for today.
  • SuperMoney is integrated with lenders that can handle loan amounts from $500 to $100,000. The exact amount that you’ll prequalify for will vary depending on your financial situation. Apply today to see how much you may prequalify for!

Get your personalized personal loan rates now.

Checking rates is safe and will not affect your credit score.