OneMain Financial lets you complete the entire refinance process online. You might prefer using a local bank to refinance credit card debt. LendingClub Trustpilot score: 4.8 out of 5 5. You can receive your funds within 48 hours of accepting the loan terms. This fee is common for most lenders but it’s the only fee this platform charges. There is a loan origination fee between 3% and 6% of the loan amount. It’s possible to qualify with a minimum 600 credit score. You can apply as an individual borrower or with a co-borrower. However, you may need a credit score in the 700s to qualify for the highest lending amounts. LendingClub lets you consolidate up to $40,000 with a three-year or five-year repayment period. This minimum credit score is more lenient than many lenders.įreedomPlus Trustpilot score: 4.9 out of 5 4. You might also qualify with a credit score as low as 620. In most cases, you can receive your funds within 72 hours.įor extra flexibility, FreedomPlus let you choose your payment due date. The repayment period is from 24-60 months.įreedomPlus approves most loans within three hours. Well-qualified borrowers can qualify for loan balances up to $50,000. If your balance is at least $7,500, FreedomPlus offers competitive rates. Upstart Trustpilot score: 4.9 out of 5 3. If approved, Upstart will send you funds as fast as the next business day. It takes two minutes to see if you qualify. Three-year and five-year loan terms are your two repayment terms. Your loan balance can be between $1,000 – $50,000. This detailed underwriting process makes this lender unique.īesides credit card debt, you can also refinance student loans. Instead of only using your credit report, Upstart considers these factors too:īeing in a lucrative career field means that you might get a lower rate than what other lenders offer. Young professionals with minimal credit history should consider Upstart.
Upstartįounded by ex-Google employees, Upstart is a pioneer in the lending industry. LendingPoint Trustpilot score: 4.9 out of 5 2. As a result, you can receive your loan funds sooner than a peer lending platform. Since LendingPoint is a direct lender, they offer next-day loan disbursement after approving your loan. If you need more time, the longest repayment period is 60 months. The shortest repayment term is 36 months for most lenders. You may also be able to get a lower interest rate as the shortest repayment period is 24 months. LendingPoint offers credit card refinancing loans between $2,000 and $36,500. If you have “Near Prime Credit” with a 600s credit score, online lending platforms can be a more affordable option than a regular bank. However, each lender has different lending options and may not be available in your state. We rank each lender with the highest Trustpilot score first. Consider comparing rates from several lenders to make sure you get the best repayment option.
BEST MAC APPLICATIONS FOR REDUCING CREDIT CARD DEBT FREE
The Top Companies for Refinancing Credit Card DebtĮach platform provides free rate quotes for your loan options.
The Top Companies for Refinancing Credit Card Debt.
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