Many cards, one simple payment
Juggling several credit card balances, and several due dates, gets exhausting. A consolidation loan can roll them into a single, fixed monthly payment. Submit one request and compare offers from lenders in our network to see if it makes sense for you.
One payment
Combine multiple balances into a single, predictable monthly bill you can plan around.
A fixed schedule
Trade revolving balances for a clear payoff date with fixed installments.
Compare the cost
See offers side by side to check whether consolidating could lower your overall rate.
Three simple steps to your cash
Submit your request
Tell us how much you need. The secure form takes about 2 minutes, no paperwork, no impact on your credit score to check your options.
Review lender offers
We instantly match your request with our network of top US lenders. They consider all credit ratings, so you see real options side by side.
Receive your funds
Pick the offer that fits, finish with the lender, and money can land directly in your bank, often as soon as the same business day.
How does credit card consolidation work?
You take out one loan large enough to pay off several credit card balances, then repay that single loan in fixed monthly installments. Instead of tracking multiple minimum payments and variable rates, you have one payment, one due date, and a defined end point, which can make your finances far easier to manage.
Is it the right move?
Consolidation can help most when the loan's APR is lower than the combined rate on your cards, and when you avoid running the cards back up afterward. Compare the total cost of each offer carefully against what you're paying now. Checking your options through GetCash4U is free and won't affect your credit score.
Get your cash in a few minutes
Fill out one short, secure form to request $500 to $35,000. We'll match you with lenders, and you choose what works.
By submitting your request you agree to our Terms & Conditions, Privacy Policy and E-Consent. GetCash4U is not a lender and does not make credit decisions.
Credit Card Consolidation questions
Will this lower my interest rate?
It can, if the consolidation loan's APR is lower than the average rate across your cards. Compare offers carefully, the result depends on the lender and your credit profile.
How much can I consolidate?
You can request up to $35,000. The amount you're offered depends on the lender and your individual circumstances.
Does consolidating affect my credit score?
Checking your options here does not affect your score. Once you proceed with a lender, their process and how you manage the new loan can influence your credit over time.