Debt Consolidation Calculator
How Much Would You Save Paying Off Your Credit Cards With a Personal Loan?
The average credit card APR in 2026 is 20.1% (Federal Reserve). Personal loans for good credit start at 9%. On $15,000 of debt, that gap costs $4,800 in extra interest over 3 years. Enter your numbers below to see your exact savings.
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Keeping your cards
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Personal loan consolidation
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Get competing loan offers — soft credit check only
A soft credit inquiry does not affect your credit score. These platforms submit your profile to multiple lenders simultaneously and return competing offers in under 2 minutes. You choose which lender to proceed with (or none).
CreditNLending — up to $100,000
Largest loan range. Good for larger consolidation balances.
Money Pup — up to $50,000
Fast matching. Strong for balances under $50K.
Using multiple platforms takes 5 minutes and gives you more competing offers. Soft inquiry only — no credit score impact until you formally accept a loan offer.
⚠ Limited benefit in this scenario
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How this is calculated: Credit card interest uses the weighted average APR across your cards with fixed monthly payments over the selected term. Personal loan interest uses standard amortization. Estimated personal loan APR is based on Federal Reserve rate environment and credit tier averages as of 2026. Actual rates depend on the individual lender, your full credit profile, debt-to-income ratio, and loan amount. This calculator is for informational purposes only and does not constitute financial advice.