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08-Aug-2016 18:20

So if you have a ,000 loan with a term of 3 years that’s 36 payments around 0 (depending on the rate you qualify for), versus the same loan with a term of 5 years, where you make 60 payments that – depending on the interest rate – should be less than 0.Most experts agree a debt repayment plan should take five years or less for it to really be effective.Once the introductory period expires, the rate you’ll see on a balance transfer card is usually higher than on a personal loan.You’ll also have to avoid the temptation of making further charges during that time. Fixed payments ensure that you’ll pay off debt on a set schedule.The interest rate depends on your credit profile, and it usually doesn’t change during the life of the loan.A debt consolidation loan is a good strategy if you: In this article, you can read about: Nerd Wallet’s top lenders for debt consolidation How to compare debt consolidation lenders How to consolidate debt successfully If your credit is good, you can apply for a 0% interest credit card and transfer your existing balances to it, which could save you money.Choosing this option over the others is usually a matter of preference weighed against with your credit score and financial situation.The information below can help you understand how a debt consolidation loan works, how you can use it to overcome your challenges with debt and what you need to know about the risks involved with using this method.

And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.

However, a balance transfer card requires discipline to pay it off before the promotional rate expires, usually no more than 21 months.



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