Could one new loan make your existing debt easier to manage? Start with the numbers, then compare the terms and the alternatives. You can use every tool here without sharing contact information.
Start here
Explore a consolidation loan
A personal loan can combine eligible debts into one payment. Compare its full repayment cost with keeping your current plan.
Explore consolidation next stepsKeep paying debt yourself
Compare snowball and avalanche strategies, or explore counseling if the monthly budget is already strained.
See options without a new loanThree steps before choosing a personal loan
- Build a baseline. List your current balances, rates and payments for your own use. Our calculators keep these entries in your browser.
- Compare a written offer. Record the amount you actually receive, interest rate, disclosed APR, origination fee, term and total payments. A lower payment can cost more if the term is longer.
- Check the practical fit. Can the payment fit after essentials and a cash buffer? Will the proceeds cover the debts you intend to pay? How will you avoid running those balances up again?
Read the CFPB’s consolidation guidance for risks and alternatives.
About provider connections
PayOffMyBills currently has no connected lending partner, rate-check service or lender-matching application. Our tools do not check eligibility or credit, and completing a calculation does not send your information to a provider.
You can research lenders independently. Credible’s public personal-loan information is one external starting point, alongside your bank or credit union. This is a general information link, not an approved PayOffMyBills partnership or paid referral. It does not represent all available lenders or a recommendation for your situation. Review the provider’s own privacy notice before entering information there.
Interested in future consolidation options?
You can ask PayOffMyBills to reply by email about your interest. We do not currently have a connected lending partner. This is a first-party interest request, not a loan application, rate check or lender referral.
Checking whether email interest requests are available…
I’m a homeowner and want to explore home equity
Opening this section is only a choice to read information. It does not request contact or share your information.
Consider the home alongside the payment
A home-equity loan or line of credit is secured by your property. Using it to pay credit cards changes the consequences of missed payments: you could lose your home. Consider closing costs, a possibly variable rate, the repayment period and equity left available for other needs.
Ask a prospective lender for a complete cost breakdown and explain the intended use. Compare a home-equity loan with a HELOC’s draw and repayment rules. This site has no connected home-equity provider and does not establish your eligibility.
Read the CFPB’s home-equity cautionsUseful next steps without new borrowing
Make your own payoff plan
Use the same monthly budget to compare debt snowball and avalanche, then keep a copy of your schedule.
Compare your payoff strategiesTalk through a tight budget
A nonprofit credit counselor can help review your budget and discuss debt-management options. Ask about fees and services before agreeing to a plan.
Learn how to find and evaluate counselingIf you cannot cover required payments, contact creditors about hardship arrangements. Moving debt alone does not solve a continuing gap between income and expenses.
Consolidation, counseling and settlement are different
| Path | What it involves | What to check |
|---|---|---|
| Consolidation loan | Borrowing a new loan to repay existing debts. | APR, fees, term, proceeds and total repayment. |
| Credit counseling / debt-management plan | Budget guidance; a plan may combine payments to creditors without a new consolidation loan. | Fees, participating creditors and the written plan. |
| Debt settlement | Seeking creditor agreement to accept less than the amount owed. | No guaranteed settlement; missed payments can add fees, credit damage and collection risks. |
We do not route a consolidation interest request into debt settlement. Read the CFPB’s explanation of these different services.
With your optional analytics permission, we count fixed choices such as “compare costs” or “homeowner information.” These events contain no debt amounts, account labels, rates, email addresses or form values. An information click is not a submitted inquiry or permission for provider calls.