Manage your credit card debt on your own terms

Low Interest | Fixed Term | Personal Loan

Checking your rate will not affect your credit score

What is Debt Consolidation?

A debt consolidation loan can help you combine and pay off your credit card balances with one loan with low-interest, fixed monthly payments



    No more juggling payments. One fixed monthly payment through Prosper and you’re up to date.



    Know exactly when your debt will be paid with a fixed end date.



    Save money with no pre-payment penalties.

Checking your rate will not affect your credit score

How a Debt Consolidation Loan Works

A debt consolidation loan through Prosper can help you pay off your existing loans faster by reducing the number of interest charges you accrue each month.

Keeping track of your credit cards can be stressful, especially with multiple due dates each month. Ever missed a payment because your monthly bill was hidden in a stack of statements? You can solve that problem with a debt consolidation loan through Prosper.

My Prosper Story: Debt Consolidation

"Prosper was a lifesaver. It helped me consolidate my credit cards and cut my interest expenses way down so I could finally start repairing my finances."


Getting a Debt Consolidation Loan is Easy


Check Your Rate

Select your debt consolidation loan amount, answer a few questions and get your lowest eligible rate instantly.


Choose Your Loan

Choose the offer with the terms that work best for you.


Get Your Funds

Your money goes straight to your bank account via direct deposit.

Checking your rate will not affect your credit score

Debt Consolidation

Put a stop to the pattern of snowballing interest by paying off your existing debt with a debt consolidation loan through Prosper.

Debt Consolidation

Manage one simple fixed monthly payment with the potential to save you money.

Compare a Debt Consolidation Loan to a Credit Card

Here's why a Debt Consolidation Loan through Prosper may be better for you

Credit Card


  • No fixed interest rate – can rise at anytime
  • Minimum payments won't pay down your principal
  • Longer payoff

DEBt consolidation loan

  • A fixed interest rate
  • A clear payment plan
  • A set payoff date

Checking your rate will not affect your credit score

A Debt Consolidation Loan Could Save You Money

It can be frustrating to drain your bank account each month and still get slammed with growing interest. If you’re consistently making only the minimum payment on your credit card bills, your debt may continue to rise.

Missed payments only make the situation worse, as you can rack up fees. Plus, your credit card interest rate could change at any time.

With a debt consolidation loan through Prosper, you’ll have a single monthly payment and a fixed low interest rate with no prepayment penalty fees.

Apply in Minutes

Consolidate Your Credit Card Debt Today

If your credit debt is taking you in the wrong direction, it's time to make a change. Applying for a debt consolidation loan is the first step toward advancing your financial well-being.