# Debt consolidation loans with low, fixed rates

- Loans up to $50,000
- Affordable monthly payments
- No prepayment fees
- Fast funding

## Why consolidate your debt with a personal loan?

### Take control
Streamline multiple debt payments into a single monthly payment.

### Lower your rate
Eliminate high-interest debt and credit card payments with a lower rate.

### No surprises
Get a fixed interest rate that won’t ever change. Have confidence in what you'll pay each month.

### Get out of debt faster
A debt consolidation loan will give you a clear payoff date that you can circle on your calendar.

## It's quick and easy to apply for a personal loan online

### Check your rate
Apply online in minutes and see your rate with no obligation or impact to your credit score.

### Choose your personal loan
Review multiple loan options and decide which offer is best.

### Fast funding
Accept your loan offer and you should get your money within a day of clearing necessary verifications.

## Debt consolidation personal loans are flexible & customizable

### Select an offer
Choose your monthly payment that won't ever change and fits your budget.

### Fixed rate & term
Pick terms that fit your timeline.

## A simple breakdown of a personal loan
Get to know the rates, fees, and your payback plan

If you're approved for a **$10,000** loan with a **17.98% APR** and **36-month** term...

### Your APR
The 17.98% APR includes:
- 14.32% yearly interest rate
- 5% one-time origination fee ($500)

### Your money
You would get $9,500 deposited directly in your account

$10,000 - $500 = $9,500
Loan amount - Origination fee

### Your payments
And, each month you would pay back $343.33 over 36 months

## Debt Consolidation FAQs

### How much debt can I consolidate with a loan through Upgrade?
With a personal loan through Upgrade, you can borrow $1,000 to $50,000. Funds are sent directly to the account that you choose within a day of clearing necessary verifications.

### What if I want to pay off my loan quicker?
You can make additional payments on your loan at any time without any prepayment fees.

### Why choose a personal loan through Upgrade to help me consolidate my debt?
A personal loan through Upgrade is a good option for high-interest debt consolidation because it offers:
- A fixed-interest rate that won’t change
- A clear payoff date to add to your timeline
- Fast funding so you can take action right away

### How does debt consolidation work?
Debt consolidation allows you to combine multiple credit card debts and/or personal loan payments into one monthly payment. You’ll make a single monthly payment instead of one for each credit card and loan. You’ll also have a date when you’ll be debt free - for example, if you get a loan with a 36 month term, you’ll know that your debts will be paid off in 36 months. Lastly, personal loans through Upgrade offer fixed interest rates.