Consolidate several balances into one fixed payment.
Turn several card balances and their several due dates into one fixed payment — often at a lower rate than what you are carrying now, with a payoff date you can actually see.
Fixed rates from
10.74%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- Consolidating multiple high-rate credit-card balances
- Paying off a store card’s deferred-interest balance
- Combining a card balance and a personal line
- Replacing revolving debt with a fixed payoff schedule
Why a Lightstream loan.
A rate below your cards
Credit cards carry high variable rates that compound monthly. A fixed-rate loan is frequently well below them, so more of each payment goes to principal instead of interest.
A real payoff date
Minimum payments can keep revolving debt alive for years. A fixed loan amortizes to zero on a schedule you see the day it funds — the debt actually ends.
One payment, one date
Consolidating replaces a handful of due dates and minimums with a single monthly payment, which is easier to manage and harder to miss.
No penalty for paying ahead
Put a bonus or a windfall against the balance whenever you like — there is no prepayment penalty, so you can retire the loan early and stop the interest.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 10.74%–21.74% | $326.16/mo |
| 4 years | 11.54%–22.54% | $261.09/mo |
| 5 years | 12.44%–23.44% | $224.67/mo |
| 6 years | 12.44%–23.44% | $197.80/mo |
| 7 years | 13.54%–24.54% | $184.87/mo |
| 10 years | 13.54%–24.54% | $152.51/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
It often can, over time. Paying card balances to zero lowers your credit utilization, a major scoring factor, and a personal loan diversifies your credit mix. The key is not to run the cards back up — used as intended, consolidation replaces revolving debt with a fixed payoff, which many borrowers find improves their score.
Funds are deposited to your account, and you pay off the balances yourself. That keeps you in control of the exact payoff amounts and timing, and lets you consolidate cards from any issuer without us coordinating with each one.
Total the current payoff balances of the debts you want to combine, then borrow that amount. The calculator lets you test the term so the new single payment fits your budget while showing the total interest versus stringing the cards along.
For most borrowers carrying card balances, yes — card APRs are typically far above a personal-loan rate, and they are variable. Enter your balances and compare: the calculator’s fixed payment and total interest make the difference concrete before you commit.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.