Refinance credit card debt with a personal loan

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

Eliminate high-interest credit card payments with a lower rate

Streamline multiple payments into a single monthly payment that’s easy to manage and pay off.

Pay credit card bills directly

Choose Debt Payoff and we’ll send payments directly to your lenders upfront. Plus, you’ll get a discount on your interest rate.

Why refinance your credit cards with a personal loan?

Take control

Streamline multiple payments into a single monthly payment that’s easy to manage and pay off.

Lower your rates

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

No surprises

Get a fixed rate that won’t ever change. Be confident that you know how much you’re paying each month.

Get out of debt faster

Find the relief of 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.

Personal loans through Upgrade 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

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

Your payments

And, each month you would pay back $343.33 over 36 months.

Personal Loan FAQ

How does credit card refinancing work?

Credit card refinancing allows you to combine multiple credit card payments into one monthly payment. It’s an approach to paying off your credit cards. If you use a loan to consolidate your credit cards, you’ll make a single monthly payment instead of one for each credit card. You’ll also have a date when you’ll be debt free.

How does Debt Payoff work?

The Debt Payoff option may appear when you check your rate with Upgrade. It allows you to use all or part of your loan to pay off existing debt.

What's the difference between refinancing credit card debt with a personal loan and a balance transfer?

A balance transfer happens when you move debt from one account to another. This can help you lower your interest rate. However, personal loans give you a fixed interest rate and a set payoff date.

How will refinancing my credit cards affect my credit score?

Refinancing credit card debt with a personal loan increases your available credit. If the amount of credit you're using stays consistent and your available credit increases, your credit utilization ratio will be lower. This can help increase your credit score.