Debt consolidation
One fixed monthly payment instead of multiple credit cards. Most borrowers save 30%+ on interest.
Why a Nationwide loan for debt consolidation.
Start with a specialist call. Fixed rates from 8.99% APR. Zero origination fees. Funds in your bank as soon as the next business day. We don’t pull your credit just to give you a quote — a specialist reviews your details first and walks you through your real options.
Fixed monthly payment
One predictable bill, never higher than the day you signed. Compare that to a credit card that re-prices itself.
$0 origination fees
What you borrow is exactly what you pay back, plus interest. Zero hidden costs at any step of the process.
Funded next business day
From the moment your specialist gives the green light, funds land in your bank account as soon as the next business day via ACH.
How a personal loan pays off your credit cards
The idea is simple. We fund the loan into your checking account, you pay each card down to zero, and from then on you make one fixed payment to us instead of chasing several minimums. The cards stay open. What changes is that your balances now sit at one fixed rate with a real end date, instead of revolving at 22% or higher.
The math usually works because a credit card re-prices and compounds against you while this loan does not. Your rate is set the day you sign and never moves. Most people who consolidate with us are carrying three to five cards and just want the monthly number to stop being a moving target.
Say you owe $18,000 across four cards averaging 24% APR. Rolled into a 48-month loan at 14.99%, that is roughly $501 a month with a payoff date you can circle on the calendar. Pay extra in any month and there is no penalty for finishing early.
Common questions
Will consolidating close my credit cards?
No. We send the funds to your account and you pay the cards down yourself. The accounts stay open, which can actually help your credit utilization.
Can I roll in more than credit cards?
Yes. People often fold in a medical bill, a store card, or another high-rate loan. Your specialist goes through the full list with you on the call.
See your rate in dollars.
Slide to see the monthly at our best-case APR (8.99%, excellent credit). Final rate ranges 8.99%–35.99% based on your credit profile. No credit pull to estimate.
Find out in 2 minutes.
No credit pull at quote stage. A specialist walks you through your rate. Then you decide.
Check my rate