Consolidate your credit
card debt with ease

  • Check your rate in 5 minutes.
  • Get funded in as fast as 1 business day.
  • Combine multiple bills into 1 fixed monthly payment.
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  • Won’t affect your credit score

Why choose NetPay for your credit card debt consolidation?

Our model looks at other factors, like education and employment, to find you a rate you deserve.

Flexible Loan Amounts

Choose an amount for a credit card consolidation loan between $1,000 and $301,000.

Fixed Rates and Terms

Choose between 3 or 5 year terms, with fixed rates of 4.8% - 31.99% APR.

No Collateral Required

You can prepay your loan at any time with no fee or penalty.

Customers Testimonials

We've helped more than 1 million customers.

My experience was very easy and the rate is more than fair. I definitely recommend taking a look at what they have to offer. Especially if you don’t have the greatest financial history. Most importantly the repayment amount and schedule were terms I could definitely live with. Thank you NetPay Advance.

Fatima Hassan

NetPay Advance is by far the best payday loan agency I have ever done business with. Staff are kind and polite, the time it takes to get my fund after an approval is immediate, and they are very understanding when once in a while I have to postpone my payment to future date.

Richard Scott

This was my first time applying for a online loan and I would recommend NetPay Advance to anyone who finds themselves in unexpected financial need. The process was easy to go through the questions I had answered in a timely professional manner by knowledgeable polite loan associates.

Idris Allisson

A quick & transparent process

Consolidate credit card debt online in 3 easy steps

Get Your Rate

It takes less than 5 minutes to check your rate — and it won’t affect your credit score.

Get Approved

Most borrowers are instantly approved with no paperwork required.

Get Funds Fast

Once approved, you could get your funds in 24 hours or less.
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There's no such thing as too many questions

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. NetPay Advance, Inc., is referred to here as “NetPay.”

01. What is a credit card consolidation loan?

A credit card debt consolidation loan is a type of personal loan used to pay off credit card debt. When you take out a loan to consolidate your credit cards, you use the funds to replace your high-interest credit card debt. You may also be able to save more each month with a lower interest rate. Then, you start making payments on your credit card consolidation loan until you reach your payoff date.

02. Is consolidating my credit cards a good idea?

Using a loan to consolidate credit card debt may be a good idea if the interest rate on the loan is lower than your current credit card rates.

A lower rate can help you save money each month in interest. In addition, a personal loan to pay off credit card debt often comes with fixed rates, predictable monthly payments, and a known payoff date. As a result, you may be able to lower your monthly payments or pay off your debt faster.

03. Does consolidating my credit cards hurt my score?

When you check your rates, we will perform a soft credit inquiry that won’t affect your score.

If you decide to submit an application and go ahead with your credit card loan, we’ll run a hard credit inquiry to verify your information. The hard credit inquiry will impact your score, but timely monthly payments can help improve it.

04. Should I consolidate my credit cards into one payment?

Consolidating credit card debt into 1 payment makes it easier to keep track of your bills and avoid missed payments. Depending on your loan terms and APR, you could even save money in interest or pay off your credit card debt faster.

05. How do I apply for credit card consolidation loans?

You can apply for a loan to pay off credit cards online. Get started by checking your rate using our simple funding form to submit details such as your income and education. If you’re eligible for a credit card consolidation loan through us, you could see several offers with different rates, terms, and payments in 5 minutes or less.

06. Are there other options for consolidating credit cards?

Yes. You can pay off your balances in cash if you have the funds. You may also be able to qualify for a 0% introductory APR balance transfer card to consolidate your credit cards. Balance transfer cards may allow you to pay off your debt with no interest fees for a short period, but some come with high transfer fees.

07. Credit card refinancing vs. debt consolidation

Credit card refinancing and debt consolidation are similar. Credit card refinancing tends to focus more on potentially saving money on revolving credit card debt versus combining multiple debts into 1 payment. Both could involve using a credit card payoff loan with more favorable terms–such as lower interest rates–to replace your current credit card balances.

08. How long does it take to get a credit card consolidation loan?

If you get approved and accept your loan terms, you could get your credit card consolidation funds in as little as 1 business day. You can then use the money to pay off your credit card balances immediately.

09. Can I get a credit card consolidation loan with bad credit?

We believe you’re more than your credit score.

Our lending partners consider factors like education and employment when setting your rates. In many cases, it means you may be able to qualify for a credit card loan while building – or rebuilding – your credit score.

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Other Loan Options

NetPay Advance is a state-licensed direct lender. See our rates and terms page for more information. In Texas, NetPay Advance is a state-licensed credit access business (CAB) and maintains a partnership(s) with a state-licensed direct lender(s) to facilitate safe and secure loans for our customers.

With an eligible debit card provided, all customers can access instant funding.

By submitting your information you understand and agree to our Privacy Policy and Terms of Use

Short-term Loan 14-day APR Range: 2731.07% – 514.29% APR varies per state regulations. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or “rollover” your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.

Customer Notice: Short-term advances should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

California residents: By using this site you acknowledge disclosure of your rights under the California Consumer privacy protection act of 2018 as disclosed in our California Resident’s Privacy Policy Addendum. NetPay Advance, Inc. is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law and California Debt Collector Licensing Act. License Number: 10977-99.