Consolidating credit card payments


FACTOID: 77% of creditworthy Americans in debt are unaware that they can use a personal loan to pay down their credit card debt. That means when you take out a loan with us, the only thing you ever pay is your principal and interest. A personal loan from Marcus could have a lower interest rate than your higher-interest credit cards, and a lower rate means you can save money and pay off high-interest credit card debt faster. Rates range from 6.99% to 23.99% APR and loan terms range from 36 to 72 months, but only the most creditworthy applicants qualify for the lowest rates and longest loan terms. These could include state or federal rights or benefits (such as under the Servicemembers Civil Relief Act). Using a personal loan from Marcus to pay off multiple credit cards could help simplify your bills. You can select a loan amount and desired monthly payment, and we will provide you with loan options tailored for you.

Review Your Options If you have good credit (660 or above), you may be able to get out of debt faster with a credit card debt consolidation loan from Marcus. Monthly payment requirements on your credit card balances and our loan may vary. Imagine how much simpler things could be if you consolidate your debt from multiple payments with varying interest rates into just one fixed-rate, recurring monthly payment. Then, you select the option that fits your budget and your schedule.

On the other hand, an interest rate negotiation is an agreement with your creditors to lower the interest rate on your credit cards.You’ll contact each of your creditors to request better rates on your open accounts.It’s helpful to mention competing offers or plans that you’ll consider if your creditors don’t seem willing to work with you.Right before you finalize your Payoff Loan, we run a hard inquiry, which can impact your credit.

When credit card companies charge high interest rates, the length of time it can take to pay off your credit card debt can be frustratingly difficult, especially if you’re only making minimum payments.

For a credit card consolidation loan to be worth your while, you’ll want a plan that offers a lower interest rate and/or lower monthly payments than you’re currently paying to your creditors.


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