Debt · Calculator

Consolidation Loan Rate Estimator

Estimate the APR range, monthly payment, and qualification strength for a debt consolidation loan based on your profile.

Debt · Calculator

Debt Snapshot

Balance

$18k

APR avg

19.4%

Payoff

26 mo

Trend · 12 mo▲ on track

PersonalizedUpdated today

Your inputs

Estimated credit score range

Annual income

Employment status

Total unsecured debt

Desired loan amount

Loan term

Housing payment

State

Payment history

Your results

Estimated APR range

11.00%–18.00%

Estimated monthly payment

$380.90–$326.14

60-month term

Estimated total repayment

$22,854–$19,568

Qualification strength

Moderate

Est. DTI 38%

Factors that may affect offers

Your profile has no major flags in this estimator.

Suggested next steps

Consider pre-qualifying with multiple lenders for soft-pull rate offers.
Verify total cost — APR, origination fees, and term length all matter.
Avoid adding new card balances after consolidating.

Estimates only. Actual APRs, fees, monthly payments, and approval depend on lender underwriting, full credit profile, income verification, and state. Some lenders may not lend in CA.

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Based on your debt amount, payment status, credit range, and goals, Finance Choices can help you compare debt relief, consolidation loans, credit counseling, and other options.

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Finance Choices calculators and simulators are for educational and informational purposes only. Results are estimates and may not reflect your actual loan terms, insurance premium, credit eligibility, interest rate, savings, repayment timeline, approval odds, or total cost. Finance Choices does not provide legal, tax, insurance, mortgage, or financial advice. Partner offers may vary based on credit profile, income, debt, location, property details, insurance history, lender criteria, underwriting guidelines, and other factors.