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Using an online lending network, such as our expert-rated picks below, can be an easy way to compare offer terms from multiple lenders.A successful consolidation loan will have a much lower APR than is charged by any of the credit cards you are trying to consolidate, but that isn’t the only factor of a good consolidation loan.
Readily available to most consumers with good to excellent credit, introductory 0% APR offers allow you to enjoy zero-interest balance transfers for the duration of the promotional period, which typically extend 12 months or more.
These fees typically range from 3% to 5% of the total transferred balance, and these fees are usually included in the limits on the total amount you can transfer to a particular card.
Most cards without balance transfer fees will also lack extra perks, like credit card rewards.
You should also look to balance an affordable monthly payment with reasonable financing charges to avoid overpaying for your loan and undercutting your consolidation savings.
To determine the actual cost of a loan, you’ll need to look at more than the APR and monthly payment.Your loan cost will also depend on the length of your loan.