A 0% transfer is cheapest if you clear it in the intro window. Past that, a fixed personal-loan rate usually beats a card's revert APR. Run both tools and compare total interest.

Does a personal loan hurt my credit?

The application is a hard pull (small, temporary dip), but consolidating cards can lower your utilization and help over time.

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Personal Loan vs. Credit Card for Debt

A personal loan gives a fixed rate, fixed term, and a fixed payoff date — predictable and usually cheaper than card APRs. A 0% balance-transfer card can beat it outright if you'll clear the balance during the intro window. Rule of thumb: transfer if you can pay it off fast, consolidate with a loan if you need 2–5 predictable years.

FAQ

Which is cheaper?: A 0% transfer is cheapest if you clear it in the intro window. Past that, a fixed personal-loan rate usually beats a card's revert APR. Run both tools and compare total interest.
Does a personal loan hurt my credit?: The application is a hard pull (small, temporary dip), but consolidating cards can lower your utilization and help over time.

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