Credit Card Refinancing

A+ rated with the Better Business Bureau

Rated #1 Personal Loan by Best Company

Excellent rating from 6,500+ reviews

Simplify your payments, and streamline your financial life

Credit card refinancing is a type of debt consolidation loan that combines multiple credit card balances into one easy monthly payment. It may come with low, fixed interest rates that don’t change during the life of the loan, saving you thousands of dollars in interest.

Solve financial challenges with access to up to $50,000

Direct Pay feature that could help pay off debt faster and may provide better rates

No impact to your credit score

Save money over time with fixed APRs

Get funding in as little as 24 hours

Things to consider when consolidating credit card debt

1

Calculate your debt-to-income ratio to know where you stand.

2

Check your credit health to understand what makes up your score.

3

Budget for your expenses and know what you can manage if you consolidate your credit card payments.

Find out how much you could save

If you’re considering a credit card consolidation loan, try our personal loan calculator to see what your monthly payment and annual percentage rate might be before you apply.

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How it works

Your loan could be just 3 steps away

Find your best fit

Assess your budget, read reviews, and learn about debt consolidation loans to find the one that’s right for you.

“Fast and easy to apply with. Money in the bank in two days. Now I can pay off my credit cards high interest. Thank you so much Best Egg. Very reliable Loan.”

Robert of Twin Falls, ID

Quote is an excerpt from actual customer feedback provided via a Best Egg customer survey.

These images are representative and not the actual customer

Apply for your loan

Gather your financial information and submit a quick and easy application online.

Get offers

Find out if you’ve been approved for personal loan offers within minutes.

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Best Egg 2023

Legal Terms & Conditions

† Annual Percentage Rates (APRs) range from 8.99%–35.99%. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–8.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term 4 years or longer will be at least 4.99%. Your loan term will impact your APR, which may be higher than our lowest advertised rate. You need a minimum 700 FICO® score and a minimum individual annual income of $100,000 to qualify for our lowest APR. For example: a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81; a 3-year $5,000 loan with 8.99% APR has 36 scheduled monthly payments of $157.40.

About half of our customers get their money the next day. After successful verification, your money can be deposited in your bank account within 1-3 business days.

Best Egg loans are personal loans made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender or Blue Ridge Bank, a Nationally Chartered Bank, Member FDIC, Equal Housing Lender. The Best Egg Credit Card is issued exclusively by First Bank & Trust, Member FDIC, Brookings SD pursuant to a license by Visa International. Visa is a registered trademark, and the Visa logo design is a trademark of Visa International Incorporated. “Best Egg” is a trademark of Marlette Technologies, LLC. Offers may be sent pursuant to a joint marketing agreement between Cross River Bank, Blue Ridge Bank, First Bank & Trust and Marlette Marketing, LLC, a subsidiary of Best Egg, Inc.

The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. If offered, your loan agreement will contain specific terms and conditions. The timing of available funds upon loan approval may vary depending upon your bank's policies.

Loan amounts range from $2,000–$50,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second Best Egg loan, your total existing Best Egg loan balances cannot exceed $100,000. Best Egg products are not available if you live in Iowa, Vermont, West Virginia, or U.S. Territories.

Best Egg loans can be repaid at any time without penalty. Barring any unforeseen circumstances, Best Egg loans have a minimum term of 36 months and a maximum term of 60 months.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.