Let's talk consolidation
Transfer high-interest credit card balances into a consolidation loan up to $100k to reduce your monthly payments and save money.
- Low rates starting at 5.99%
Consolidation loan amount
$68K
Chase
$18,428
American Express
$26,457
Citi Bank
$13,115
Join over 32,000,000 people funded through our platform
Fast funds
Up to
$100K
Fast funds
Our application takes less than 60 seconds and you can receive funds as soon as the next business day.
Fixed payments
Up to
7 Years
Fixed payments
No surprises. Save big by converting high-rate debt into one fixed payment.
No credit minimum
APR starting at
5.99%
No credit minimum
You're more than a number - get exclusive offers regardless of credit score or income.
Estimate your monthly payment with our calculator
Browse exclusive offers, terms, and rates from lenders across America, including some you won't find anywhere else.
Our mission is to help everyday people eliminate high interest debt
... and we're just getting started
Total credit products through our platform
$10
+Billion
Total customers funded through our platform
32
+Million
Total loan offers made through our platform
100
+Million
Total inquiries on our platform in 2024
200
+Million
Pay less, borrow more
It takes 60 seconds to apply and compare exclusive offers from leading lenders including some you won't find anywhere else.
Don’t worry - we never sell your information
No credit impact
Personal loan
Up to
$100K
Lower Payments
Interest rate
APR starting at
5.99%
How to get started?
- 1Tell us what you needEnter your loan request information.
- 2Share some detailsBuild a basic profile and sit back.
- 3Let us find your matchOur matching algorithm takes it from here.
- 4That's it. Compare and get fundedReceive your funds as soon as the next day.
Personalized loan offers for all financial situations
... regardless of credit score or income
- Starting APR
5.99%
Save thousands with a single fixed-rate payment
- Borrow up to
$100K+
Get the funds you need, when you need them
- Terms up to
7 Years
Loan terms that can flex with all of life's demands
Answers to common questions
Debt consolidation involves taking out one loan or line of credit (ideally with a lower interest rate) and using it to pay off other debts — whether that’s credit card debt, personal loans, or other high-interest debt. After consolidating those existing debts into one loan, you have just one monthly payment and one interest rate.
Three types of debt are commonly consolidated: credit card debt, medical debt, and high-interest personal loan debt. You may reduce the overall cost of repayment by securing better terms and interest. You'll also have a single payment to keep track of instead of several.
When you see a pre-approved offer, one of our lending partners has determined that you meet certain approval criteria. Our matching technology identifies loans that you are the best fit for. Pre-approved offers are conditional commitments for an exact rate from a lender, and let you know if you qualify for that loan. The rates are subject to change but are very rarely different than the rate you’ll see. This enables Reserve to match you with the loan offers that best meet your needs.
Our industry-leading platform was built to serve everyone regardless of credit score. Take a look at the funding stats on our homepage to learn more about our successful funding history for all credit bands.
