Personal loans
One clear loan instead of five balances.
A personal loan is a fixed amount you repay in set monthly payments. We'll match you with vetted lenders, so you can compare offers without filling out form after form.
See my options →- ✓ No credit pull to start
- ✓ No obligation
- ✓ Vetted lenders
This may fit if
You'd like to roll several card balances into one payment.- You have a home repair, medical bill or big purchase to cover.
- You have steady income from work, self-employment, retirement or benefits.
- You'd like to compare a few lenders before choosing.
It may not be right if
- You don't have income coming in right now.
- You'd likely keep using the cards you pay off. Consolidating works best when the balances stay at zero.
- You need a few hundred dollars for a short gap. A credit union or a payment plan with the biller may cost less.
How it works
- 1
Answer a few quick questions
Tell us how much you need, what it's for and a little about your income. It takes about a minute and doesn't pull your credit.
- 2
See lenders that fit
We'll match you with lenders that work with profiles like yours. If you're a strong fit, a loan specialist can walk you through offers in a short call.
- 3
You decide
There's no obligation. Compare the offers, read the terms, and only accept one if it works for your budget.
Good to know before you start
Look at the APR, not just the payment
The APR includes interest and most fees, so it's the fairest way to compare offers. A lower payment over a longer time can cost more in total.
Some loans have an origination fee
Some lenders take a fee out of the loan before you get it. Check what you'll actually receive.
Checking rates vs. applying
Checking your rate with a lender usually uses a soft check that won't affect your score. Applying for the loan usually means a hard check.
Consolidating moves debt, it doesn't remove it
It replaces several balances with one loan. It helps most when the new loan costs less and you keep the old cards paid down.
Questions people ask
Is Ledgerlane a lender?
No. We ask a few questions and connect you with independent, vetted lenders. Loan offers and terms come from them.
Can I check if my credit isn't great?
Yes. There are lenders for many credit types. Offers depend on the lender, your credit and your income.
Will checking hurt my credit?
Our quiz doesn't pull your credit. Checking your rate with a lender usually won't affect your score either; a full application usually will.
Is a personal loan better than a balance transfer card?
It depends. A loan gives you a set payoff date. A balance transfer card can cost less if you can pay it off before the promotional period ends.
Do you offer payday loans?
No. We don't match people with payday or other short-term, high-cost loans.
See which lenders fit you
About a minute, no credit pull to start, and no obligation.
See my options →Not a commitment to lend. Loan offers, amounts and terms depend on the lender and your credit.