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Debt Consolidation Calculator

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Debt Information

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$1k
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Current Interest Rate (APR)
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Enter your current outstanding debt, interest and remaining term, and we’ll see how much our network of top lenders can save you!

Frequently Asked Questions

More Answers

A personal loan (what most people mean when they talk about a loan) is an unsecured loan or a collateral secured loan that you can use for any purpose: consolidating your debt, refinancing your credit card debt to a lower rate, or financing a life event.

You pay back your loan in fixed monthly payments to the lender, with no penalty for paying the loan off early.

APR is the “annual percentage rate”: the annual cost of your loan, as a percentage of the loan amount. The cost includes your interest rate and any fees or charges associated with your loan, including the origination fee. Example: If you borrow $5,000 on a 36 month repayment term with a 10% APR, the monthly payment will be $161.34. Total repayment at the end of 36 months will end up being $5,808.24. As can be seen, the total interest accrued will be $808.24.

When you see a pre-approved offer, the lender has determined that you meet certain approval criteria based on a soft pull of your credit profile that Fiona has performed. Through matching you with pre-approved loan offers, Fiona identifies loans that you will more plausibly get approved for if you were to complete a loan application with that loan provider. Pre-approved offers are conditional commitments for an exact rate from a lender, and let you know if you qualify for that loan. The rates are subject to change but are very rarely different than the rate you’ll see. This enables Fiona to match you with the loan offers that best meet your needs, all while only doing a soft inquiry on your credit score.

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Our Loans Network

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LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank, National Association, Member FDIC. It is the leading digital marketplace bank in the US. Members can gain access to a broad range of financial products and services through a technology-driven platform, designed to help them pay less when borrowing and earn more when saving. Since 2007, more than 3 million members have joined the Club to help reach their financial goals. For more information about LendingClub, visit https://www.lendingclub.com.

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Prosper’s mission is to advance financial well-being. The company’s online lending platform connects people who want to borrow money with individuals and institutions that want to invest in consumer credit. Borrowers get access to affordable fixed-rate, fixed-term personal loans. Investors have the opportunity to earn solid returns via a data-driven underwriting model. To date, over $17 billion in personal loans have been originated through the Prosper platform for various purposes including debt consolidation and large purchases such as home improvement projects, medical expenses and special occasions.

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SoFi helps people achieve financial independence to realize their ambitions. Our products for borrowing, saving, spending, investing and protecting give our over 1.8 million members fast access to tools to get their money right. SoFi membership comes with the key essentials for getting ahead, including career advisors and connection to a thriving community of like-minded, ambitious people. SoFi is also the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams. For more information, visit SoFi.com or download our iOS and Android apps.

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Marcus by Goldman Sachs® offers products and tools designed to help people achieve financial well-being. Marcus offers a high-yield Online Savings Account and certificates of deposit in a variety of terms and no-fee, fixed-rate unsecured personal loans, including home improvement loans. All Marcus loans and savings products are provided by Goldman Sachs Bank USA, Member FDIC, and benefit from Goldman Sachs and its 150-year history of financial expertise, risk management and customer service. For more information please visit www.marcus.com.

2022-bestegg-new

Best Egg, the consumer lending platform powered by Marlette Funding, LLC, is a financial technology service provider on a mission to find better ways to make money more accessible to allow people to enjoy life. The team mixes decades of banking experience with deep customer knowledge and smart technology to deliver digital products, services and experiences in a more relevant way. Today, Best Egg provides a frictionless online personal loan platform where qualified applicants can instantly view loan offers with no impact to their credit score and receive funds in as little as 1 business day. Since March 2014, the online loan platform has delivered over $6.7B of prime loans with high quality credit performance as a third-party service provider for Cross River Bank. 

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LightStream is the premier national online consumer lender, offering low-interest, no-fee, unsecured loans from $5,000 - $100,000 for practically any purpose. Since 2005, we have built our business around the belief that when you have good credit, you deserve an excellent rate, superior service, and a simple loan process. With LightStream, you’re in control - you decide your loan amount, terms, and funding date, and receive funds in your account quickly for anything from debt consolidation, to a new car, to a home renovation. Additionally, we are so confident in our product that we back it with a Rate Beat Program and Loan Experience Guarantee. For more information, please visit www.LightStream.com.

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