Bring card balances into focus — Red Loans
For US borrowers carrying multiple card balances: compare personal loan options that could combine them into one payment.
A soft inquiry does not affect your credit.
4.9 Excellent · 3,200+ reviews via Big Think Capital- APR
- Utilization
- Origination fee
- Monthly payment
- Payoff amount
- Credit inquiry
- Fixed term
- Debt-to-income
Personal debt consolidation loans for consumers in the US
Compare personal loan options for credit cards, medical bills, and other unsecured debts.
- CARDS Credit card payoff Compare loans that may pay off multiple card balances at once.
- MEDICAL Medical bill consolidation Explore options for combining eligible medical bills with other debt.
- CREDIT Past credit challenges Some lenders review more than a credit score when considering requests.
- PAYMENT One monthly payment Review term and payment details before deciding whether to proceed.
- 1 soft inquiry Does not affect credit
- One request To check participating options
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
See how a consolidation loan moves forward
Share basic details, review any lender options, and choose whether to continue. Approval and terms come from the lender.
No borrower fee
- Participating lenders pay the site.
- Review lender fees and terms before accepting.
Soft inquiry first
- Checking options uses a soft inquiry.
- A soft inquiry does not affect your credit.
You choose
- A request does not guarantee an offer or approval.
- You decide whether to continue with a lender.
Card balances can complicate a loan review
High utilization, several minimum payments, or past credit issues can make standard bank reviews harder. Some lenders consider the full picture.
High card utilization
Large balances relative to card limits can weigh on a bank's review.
Several monthly payments
Multiple minimums can make cash flow and total obligations harder to assess.
Credit setbacks
Late payments or a limited credit history can fall outside a bank's standard criteria.
How borrowers may use a consolidation loan
These illustrative composites show possible funded requests, not actual customers or guaranteed outcomes.
Two-card household
Illustrative composite: replace several card payments with one fixed-term loan.
Borrower with medical bills
Illustrative composite: combine eligible card balances and medical bills.
High utilization borrower
Illustrative composite: pay down revolving balances with lender funds.
Borrower rebuilding credit
Illustrative composite: address multiple card balances under a set repayment term.
Compare options beyond a new loan
A balance transfer or nonprofit debt management plan may fit some situations. Compare fees, eligibility, and repayment details before choosing.