If credit card debt has you feeling stuck — like you're working hard but not getting anywhere — you're not alone. We'll help you find a loan you actually qualify for, and give you a real plan to pay it off and still live your life.
Find Out What's Right for YouTakes about a minute. Won't affect your credit score.
Prices are higher. Uncertainty is everywhere. And if you've been leaning on credit cards to get through it, that debt can start to feel permanent. It's not — and there's a smarter path forward.
Credit card interest compounds quickly. A personal loan at a lower fixed rate means more of your payment goes toward the actual balance — not fees.
Personal loans have fixed terms — you'll know exactly when you're done. That's something credit card minimums never give you.
We'll help you compare real loan offers — not just advertised rates — and give you the tools to budget and pay it down on your terms.
No personal information required. We'll point you toward the option that makes the most sense for your situation.
Based on your answers, a strong starting point is
Rolling your high-interest card balances into one fixed-rate personal loan could lower your monthly payment and give you a clear payoff date. Pre-qualifying shows you real offers you're eligible for — without affecting your credit score.
Check My Rate — No Credit ImpactIf you've built equity in your home, a HELOC or home equity loan often comes with lower rates than an unsecured personal loan — though your home is collateral. Worth comparing both options.
Compare Home Equity Options Or pre-qualify for a personal loan insteadWith good or excellent credit and a manageable balance, a balance-transfer card with a 0% intro period could let you pay down debt interest-free for 12–21 months. Discipline matters once the promo period ends.
See Balance Transfer Cards Or pre-qualify for a personal loanThere's no single right answer — but these are the two most common routes for people managing high credit card balances.
Combine multiple card balances into one fixed monthly payment at a potentially lower rate. You'll know exactly when you're debt-free.
Best for People who want a clear payoff date and predictable monthly payment.
Check your rate →Move your balances to a card with a 0% intro APR for 12–21 months. Works best if you can pay the balance before the promo ends.
Watch out After the promo period, rates can jump significantly.
Compare balance transfer cards →We're not going anywhere after you get your rate. Here's what the path forward looks like.
Pre-qualifying through NerdWallet uses a soft credit inquiry — it won't affect your score. Only a formal application triggers a hard pull, which may have a small, temporary impact.
Many personal loan lenders work with fair credit, and pre-qualifying shows you offers you're actually eligible for — not just the best advertised rate. It's worth seeing what's available.
Personal loans typically range from $1,000 to $50,000 depending on the lender and your credit profile. You can borrow exactly what you need to cover your balances.
Most personal loans have terms between 2 and 7 years. Shorter terms mean higher monthly payments but less interest overall. We'll help you see the full picture before you commit.
One small step now — seeing what you qualify for — could mean a genuinely calmer year ahead. No pressure, no commitment.
Check My Rate — It's FreeWon't affect your credit score.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors such as pricing, ease of use, breadth of offerings, customer support options, and other category-specific attributes. Advertiser disclosure: NerdWallet has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi, and Discover. Rates and offers are subject to change. All loan offers are subject to credit approval.
