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.

Loans

What a personal loan really costs.

Monthly payment, total interest, and full payoff cost — before anyone runs your credit.

Free · real amortization math

What a personal loan really costs

Enter the loan and see your monthly payment, total interest, and full payoff cost — before anyone runs your credit.

Loan amount ($)

APR (%)

Term (months)

Assumes a fixed-rate, fully-amortizing loan with no origination fee. Add any fee to the amount to see its effect.

A personal loan trades a card's revolving, variable interest for a fixed rate, fixed term, and a known payoff date. That predictability is the point — and often the savings, since fixed loan rates usually beat card APRs.

The biggest lever is the term. A shorter term raises the monthly payment but slashes total interest; a longer term does the opposite. Run 36 vs. 60 months above to see the swing before you commit.

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.