See the month you'll be debt-free.

Enter your cards and see your numbers today next to one consolidated payment. It's free and private. No name, no email, no calls.

FreePrivateNo credit checkAbout 2 minutes

Step 1

Your cards and loans

The balance, interest rate (APR) and minimum payment are on each statement or in your card's app.

Step 2

Your credit, roughly

A guess is fine. Maxed-out cards often pull a score down, so pick what feels honest.

Step 3

How long to pay it off

Loan length Lender fee (estimate)

Your results

Today

You pay each month

Debt-free

Total interest

Consolidated

One payment

Debt-free

Total interest and fee

Freed each month

Done sooner by

Saved overall

Every month you wait costs about in interest.

What if I pay a little extra?+$0 a month

Slide to see how much sooner you'd be done.

Not ready for a loan? Here's your plan anyway.

Keep paying the same total each month. Pay the minimum on every card, and put everything left over on the card with the highest rate. When a card is paid off, its payment rolls to the next one.

In writing within 24 hours by text or email. Soft credit check, no effect on your score.

Prefer to talk? Call 844-677-LOAN (5626) to confirm your numbers.

These are estimates for education, not an offer of credit or a promise of approval, rate or payment. Sample rate ranges: Excellent 9–13%, Good 13–18%, Fair 18–25%, Rough 25–36% APR. Results use the middle of your range. "Today" assumes you keep paying the same minimum on each card and add no new charges. Actual terms depend on the lender, your full credit review and your income.

Lend & Loan Financial connects people with lenders. NMLS ID [placeholder] · 844-677-LOAN (5626)