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Take charge of your debt with a credit card consolidation loan.

Pay off your credit cards with a personal loan between $2,000 and $45,000.

Check my rates

Checking your rates won't impact your credit score.

Why Rocket Loans℠ for credit card consolidation?

Same day funding available

You could receive your loan money as soon as today.

No early payoff penalties

Because paying off your loan sooner should be a good thing.

Fixed rates forever

Once you close on your loan, you'll lock a rate that never changes.

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Break up with credit card debt for good.

Struggling with multiple credit card balances? Using a personal loan to pay off credit card debt could help lessen the load. Here's how:

Simplify your interest rate

Consolidate all credit card interest into one fixed rate - which may be lower than what you pay now.

Streamline your finances

Ditch the juggling act with one set payment that keeps your monthly bills and budget on track.

Avoid missed payments

Credit card consolidation could make it easier to make timely payments which may boost your credit score over time.

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Clients love Rocket Loans for credit card consolidation

Rocket Loans already saved me $180 in interest in one day by funding my account so I can pay off high limit cards very quickly.

William W., April 2024

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A person sitting at a desk using a calculator and holding a pen with a document, notepad, and credit card next to them.

Ready to apply for a credit card consolidation loan?

Our rocket-fast application process is simple and secure.

1. Tell us about you

Enter some personal details such as your income and address.

2. Check loan offers

Explore different loan offers that you're prequalified for.

3. Select your loan

Choose a loan offer that fits your needs and help us verify your details.

4. Sign your offer

Close on your offer online and receive your loan money as soon as today.

Start application

Credit card consolidation questions, answered

Understand the ins and outs of credit card debt consolidation.

  • Yes, a personal loan for debt consolidation can help you consolidate your credit cards along with other unsecured debts such as:

    • Medical bills

    • Payday loans

    • Signature loans

    • Other high-interest loans

  • Consolidating business credit cards with a personal loan for debt consolidation, while possible, is not recommended. If you'd like to consolidate your business credit cards, consider the following options to keep your business and personal finances separate:

    • Business debt consolidation loan

    • Business line of credit

    • Negotiate with credit card companies for lower interest rates

  • Using a consolidation loan to pay off existing balances on your credit cards won't automatically close your credit card accounts.

  • Checking your rates with Rocket Loans won't impact your credit score. However, if you choose to close on your loan, there will be a hard credit check. This may cause a temporary credit score dip, but some clients find the long-term benefits of credit card consolidation far outweigh a temporary score decrease. Paying off your credit cards with a personal loan could actually help lower your credit utilization rate over time, which may result in a credit score boost.


    If you're still not sure about paying off your credit cards with a personal loan, you can always check your loan offers without impacting your credit score.

Boost your credit card consolidation knowledge.

5 Ways To Consolidate Credit Card Debt

Explore the top methods for consolidating credit card debt to help you decide how to tackle yours.

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Should You Use a Personal Loan to Pay Off Credit Card Debt?

Learn about the benefits and potential drawbacks of credit card consolidation loans.

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Credit Card Refinancing: What is It And Who Should Use It?

Find out if credit card refinancing is the right option for eliminating your outstanding credit card balances.

Start learning

Discover how simple it is to consolidate credit card debt with Rocket Loans.

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