QualifyLoansHow many cards are you juggling?
The average American with credit card debt carries balances on 3.2 cards. Each one has its own APR, minimum payment, and due date. Move the sliders — see the real cost.
Estimated combined APR on 3 cards
23.96%
Your Total Balance
$13,500
You're paying in interest this month
$270
You'll pay in interest this year
$3,235
5-year cost if you only pay minimums
$16,173
You'd save annually
$2,357
That's $196/month back in your pocket.
Every red line turns lime green with a single fixed-rate loan.
Tap each item to see what actually changes when you consolidate. The math isn't complicated — it's just never been shown to you this clearly.
Avg consolidation
$11,724
per borrower, Q3 2025
Avg savings
$1,800+
per year on interest
See what you'd actually pay.
No application. No hard credit pull. Just honest numbers so you can decide if it makes sense for you.
Estimated APR Range
for Good credit (680–719)
vs. Staying on Credit Cards
Estimates based on selected credit range. Actual rate determined by full application. Checking does not affect credit score.
“We put the wedding on three cards. Six months later I was paying $480/month in interest alone. QualifyLoans cut that to $89. I actually cried when the math worked out.”
Was paying
24.3%
Now pays
8.2%
saved in year one
$4,692
Marcus Delgado
Software Engineer, Austin TX
Real people. Real numbers. No fine print.
These aren't best-case scenarios. They're borrowers who ran the estimator, saw their numbers, and decided the math made sense. That's it.
6.9M
Loans originated
4.8★
Borrower rating
24hr
Avg deposit time
Not your average loan pitch.
Just the math.
The math is on your side. Start today.
3-minute application. No branch visit. Funds in your account within 24 hours.