Credit Card Payoff Tool

Compare paying off your card vs. refinancing into a personal loan

💳 Credit Card

Current Balance

$5,000 $100k max

APR i Your card's APR is on your
monthly statement or online account.

Monthly Spend

Planned Monthly Payment

Minimum Payment (3% of balance, $25 floor)

🏦 Personal Loan Refi

Interest Rate

Term

Origination Fee

Loan Amount · auto

Funded Amount (after fee)

Estimated APR · auto i APR combines the interest rate and
origination fee into a single annual cost.

New to credit card debt?

Side-by-Side Comparison

Credit Card

Personal Loan

Monthly Payment

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Monthly Payment

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Months to Pay Off

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Months to Pay Off

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Total Cost

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Total Cost

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Credit Card Personal Loan

Credit Card Personal Loan

Educational use only · Not financial advice · Actual loan terms will vary by lender.