Credit card interest compounds against you every single day — and minimum payments are engineered to keep you there for decades. If you own a home, you're likely sitting on the cheapest payoff tool available: a HELOC that consolidates every card into one payment at home-equity rates.
Include every balance you'd consolidate — cards, store cards, personal loans. Check your rate as of .
Available as a flexible line of credit
Your best guess is fine — no documents needed yet.
Your best estimate is fine — it's confirmed later in the process.
This helps tailor your offer.
Start typing and select your address — we verify it instantly so your offer is accurate.
Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.
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Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.
Drag to your real numbers. This is monthly interest only — the silent amount you pay before a single dollar touches your balance.
HELOC figure uses an illustrative rate for comparison — not an offer or quote; your rate depends on credit, equity, property, and state, and HELOC rates are typically variable. Interest-only comparison during the draw period; paying principal reduces both sides. Your home secures a HELOC — see the FAQ on that tradeoff.
No branch visits, no counseling classes, no debt-settlement tricks that wreck your credit — just a lower rate doing the heavy lifting.
Answer a few quick questions and see what you may qualify for — a soft credit pull with no impact to your score and no SSN required at this stage.
~5 minutesChoose your amount, rate, and term from your secure account. Size the line to cover every balance you're consolidating.
Same dayFunds arrive in your bank account in as little as 3 days after approval* — pay each card off in full, then enjoy one predictable payment at a fraction of the rate.
As fast as 3 days*The average card now charges 22–29% APR; home equity lending typically runs at a fraction of that. On $50,000 of card debt, that rate gap alone is thousands of dollars a year — money that goes to principal instead of interest.
Paying revolving cards to zero typically drops your credit utilization — one of the biggest score factors. Many borrowers see scores improve in the months after consolidating (individual results vary).
Income is verified from bank statements — no tax returns or W-2s. If card balances have dinged your score, you'll see options across the credit spectrum in the form above.
Five due dates become one. And as you pay the line down, it stays available for true emergencies — so a surprise expense doesn't send you back to the cards.
Every consolidation tool trades something. Here's the honest comparison.
| Credit Card Payoff HELOCRECOMMENDED | Balance transfer card | Personal loan | |
|---|---|---|---|
| Typical rate | Home-equity rates | 0% teaser → 25%+ after | 13–25% APR |
| Amount available | Up to $750K | Usually ≤ $15–20K | Usually ≤ $50K |
| Fees | Varies by offer | 3–5% transfer fee | 1–8% origination |
| Time pressure | None | Teaser expires in 12–21 mo | None |
| Reusable if life happens | Yes — it's a line | No | No |
| Secured by your home | Yes — weigh it seriously | No | No |
| Income documentation | Bank statements only | Varies | Pay stubs / returns |
Check your rate in minutes — soft pull, no SSN, no impact to your score.
See My Payoff Rate