Free calculator · as of 2026-11-01
Debt consolidation savings calculator
Consolidating saves money when the new loan's APR and fees cost less than your cards would over the same time. As of Nov 1, 2026, the lowest advertised starting personal loan APR CashWars checked is 5.96% (LendingClub); your rate depends on credit.
Estimated interest saved
—
- New loan payment
- Loan interest + fee
- Card interest at the same payment
Estimates only, for illustration. Not financial advice. The math runs in your browser; nothing you type is sent to CashWars.
Loan APR default: LendingClub, 5.96%–35.99% APR, checked Nov 1, 2026 (personal loans). Starting APRs are the best case.
FAQ
Why do you ask for my monthly payment?
Card interest depends on how fast you pay. We compare at your payment (or the loan payment if blank).
Does checking a loan rate hurt my credit?
Most lenders we list check rates with a soft inquiry; a hard pull happens if a loan is issued.