The cards crept up
Your cards charge 22% to stand still.
One amortizing payment with an end date, or revolving interest forever. The calculator will fail you if consolidating costs more. On purpose.
See your numbersOur home equity line is fully drawn at closing and amortizes from month one. Your initial disbursement is net of a financed origination fee. Paid-down credit can be redrawn during the draw period, and each new draw takes a new fixed rate set that day.
Checking your options uses a soft credit check, which doesn't affect your credit score. A full application includes a hard credit inquiry. No phone number field. We don't collect what we won't protect.
- Soft check to see your options
- No phone number field
- Fixed-rate option
- Local and licensed, NMLS #2440270
The math
Your number, in plain dollars.
Using only your own numbers. If the honest answer is "pay it down yourself," that's what it will say.
Example numbers. Replace them with yours.
- Monthly interest alone, today:
- $550
- At your payment, paid off in about 52 months:
- February 2031
- Interest you'd pay on the way there:
- $16,788
That's the number worth beating. A real quote takes one short form, a soft credit check, and no phone number.
Estimates use only the numbers you entered. Not an offer of credit.
Ready for a real number? ↗Straight talk
Straight talk for this situation.
Your home secures this. Unsecured debt becomes secured debt. That's the tradeoff, in daylight.
Our rule of thumb: if you'd pay it off in about 18 months, the origination fee usually isn't worth it, and paying the cards down directly is probably cheaper. The calculator will tell you this to your face.