Turn multiple payments
into one.
Combine multiple high-interest debts into one simple monthly payment at a lower rate.
5.99%–35.99% APR$2,000–$50,000 Loan Amount24–60 mo Term
See the difference consolidation makes
A simplified, illustrative example — your actual savings depend on your rate and balances.
Before: Juggling 3 cards
Credit Card A24.99% APR · $450/mo
Credit Card B22.50% APR · $220/mo
Store Card27.00% APR · $95/mo
Total Monthly Payments$765/mo
After: One LendWise Loan
Debt Consolidation Loan~14.99% APR
One Fixed Monthly Payment~$540/mo
Estimated savings: ~$225/mo and one simple due date instead of three.
Why consolidate with LendWise
- Lower rates than credit cards
- Single monthly payment
- Clear payoff timeline
- Improve credit score
<h2>Simplify Your Finances</h2><p>Stop juggling multiple credit card payments and high interest rates. Consolidate your debt into one affordable monthly payment.</p><h3>Why Consolidate?</h3><ul><li>Lower your interest rate by up to 50% vs credit cards</li><li>One simple monthly payment</li><li>Pay off debt faster with a clear timeline</li><li>Improve your credit utilization ratio</li></ul>
Debt Consolidation Loan
APR Range5.99% – 35.99%
Loan Amount$2,000 – $50,000
Term24 – 60 months
Origination Fee0.00%
Check Your RateApply NowHow debt consolidation works
1
Add Up Your Balances
Tell us how much you owe across your cards and other high-interest debts.
2
Get One Fixed Rate
Get approved for a single loan that covers your balances at one predictable rate.
3
Pay Down One Payment
Make one monthly payment on a clear payoff timeline instead of juggling several due dates.
Debt consolidation FAQs
Checking your rate only uses a soft credit pull. If you proceed with a full application, a hard inquiry may briefly lower your score, but paying down revolving debt can improve your credit utilization over time.
No. It's entirely up to you whether to keep your cards open. Many borrowers keep them open but stop using them to avoid rebuilding the balance.
Funds are deposited into your bank account, and you pay off your existing debts yourself. This gives you full control and flexibility over which balances to pay off first.