Pay Off Your Credit
Card Debt Faster

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Combine all credit card balances into one manageable monthly payment.
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Potentially reduce your interest rate significantly.
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Regain control of your finances with a structured plan.
Consolidate My Cards >

Pay Off Your Credit Card Debt Faster

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Combine all credit card balances into one manageable monthly payment.
Checkmark
Potentially reduce your interest rate significantly.
Checkmark
Regain control of your finances with a structured plan.
Consolidate My Cards >
4.8
2,500+ reviews
4.9
4,300+ reviews
4.9
9,200+ reviews
5.0
3,100+ reviews
4.8
2,500+ reviews
4.9
4,300+ reviews
4.9
9,200+ reviews
5.0
3,100+ reviews

Why Consider Credit Card Debt Consolidation?

Simplify your payments and work towards eliminating debt responsibly.

Lower Your Interest Rates

Credit cards often carry high-interest rates. Consolidating balances into a lower-rate loan may significantly reduce your interest expenses.

Check My Rate >

One Predictable Monthly Payment

Simplify your finances by managing one monthly payment, potentially avoiding missed payments and late fees.

Learn About VA Guidelines >

Streamline Your Debt Payoff

With structured payments and potentially lower interest, consolidate your credit card debt efficiently and responsibly.

Get Started >

Work with a Lower Advisor to get personalized equity options.

1

Get Started

Take 5 minutes to complete our online application, and we’ll connect you with the best home equity financing option for your needs.

2

Customize Your Options

We’ll schedule a quick call with one of our expert loan advisors to help build a home equity solution that’s right for you.

3

Access Your Equity

Your dedicated loan officer will guide you every step of the way, helping you access your home’s equity quickly and confidently from home.

Personalize your strategy
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Trusted by over 30,000 customers across the U.S.

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"The service I received was top notch. I greatly appreciate the high level of customer care, prompt  follow ups and clear explanation of each process."
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"Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had."
Mia M
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"Lower was able to get me approved and in my new home as a first time homebuyer with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!"
Thien D
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"Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed..."
Gina S
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"The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close."
Heather B
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"I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."
Marchelle B

Over 30,000 five star reviews and counting

4.8
Trustpilot Logo
2,500+ reviews
4.9
9,300+ reviews
4.9
28,800+ reviews
4.9
4,300+ reviews

Ready to get started?

Find out what you could get in minutes, with a no-impact credit check.

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