Credit card debt consolidation loans
Turn $20,000+ of credit card debt into one simple loan payment
Credit card interest compounds — the hole keeps getting deeper. A consolidation loan replaces your card balances with one fixed rate, one monthly payment, and a real payoff date.
4.8 stars · 2,700+ reviews
Free to check · No obligation · Takes about 2 minutes
Card ending 4421
26.9% APR
Min. due $310
Card ending 8810
24.2% APR
Min. due $185
Card ending 1037
29.4% APR
Min. due $240
One consolidation loan
One fixed payment
4.8 / 5 rating
2,700+ verified reviews
Transparent & fair
No hidden terms
Quick & simple
Check in about 2 minutes
Faster payoff
A clear path to debt-free
Minimum payments weren't designed to get you out of debt
A consolidation loan is built differently — every payment moves you measurably closer to zero.
Fixed interest rate
Credit card interest compounds, so balances grow even while you pay. A consolidation loan locks in a fixed rate — every payment chips away at the balance, predictably.
One monthly payment
Multiple cards, due dates, and rates collapse into a single predictable payment. One number to remember, one payment to make.
A clear finish line
Minimum payments can feel endless. A loan has a set end date — you'll know exactly when you'll be done, from day one.
How it works
Three simple steps — no jargon, no pressure, no obligation.
- 1
Answer a few questions
Tell us about your credit card debt. It takes about two minutes and checking is free.
- 2
Get matched with lenders
We match you with participating lenders who work with situations like yours.
- 3
Review your loan options
Compare the fixed rate, monthly payment, and payoff date. Move forward only if it works for you.
Credit cards vs. a consolidation loan
Same debt — a completely different way out.
Staying on credit cards
- Interest compounds — balances grow while you pay
- Multiple payments, due dates, and rates to juggle
- Minimum payments with no clear end date
- Easy to fall behind and feel stuck
One consolidation loan
- Fixed interest rate — every payment makes real progress
- One predictable monthly payment
- A set payoff date you can plan around
- A structured, legitimate path to debt-free
Frequently asked questions
Straight answers — because that's how this should work.
Is Loan Direct a lender?
Loan Direct is a loan matching service. We connect people who want to consolidate credit card debt with participating lenders. When you check if you qualify, we match your information with lenders who may be able to offer you a consolidation loan.
What is a consolidation loan?
A consolidation loan rolls multiple credit card balances into one single loan with a fixed interest rate and one monthly payment. Instead of juggling several cards, due dates, and compounding interest charges, you make one predictable payment with a clear payoff date.
Is this debt settlement?
No. This is a loan — real funds used to pay off your credit card balances, which you then repay in fixed monthly installments. It is not a settlement or negotiation program.
Will checking if I qualify affect my credit score?
No. Checking your options uses a soft pull — there's no hard inquiry, so your credit score isn't affected. A hard inquiry only happens if you choose to proceed with a lender's full application, and the lender will explain it before you commit.
How much credit card debt do I need to qualify?
Our service is designed for people carrying around $20,000 or more in credit card debt, though lenders evaluate each situation individually. The fastest way to find out is to answer a few quick questions.
What does it cost to check?
Nothing. Checking if you qualify is free, and you're never obligated to accept a loan offer. You review the rate and terms and decide what's right for you.
Find out if you qualify for a consolidation loan
It's free, takes about two minutes, and there's no obligation. One fixed rate. One payment. One finish line.
4.8 stars · 2,700+ reviews