Credit Card Refinancing

Find Financial Freedom

Paying off credit cards at different rates can be complicated. Getting a personal loan from Credit Direct makes it as simple as one monthly payment, a fixed APR and a set term. With credit card refinancing, your monthly payment never changes, you’ll always know what your balance is, and you know how long it will take to pay it off.

A personal loan for credit card consolidation can put you on the road to financial freedom. It’s a win-win situation with a happy ending, better terms, and less cost in interest fees. Refinancing may even help you maintain–or improve–your credit rating. Bonus!

Terms and Conditions Apply. You must meet Credit Direct’s underwriting requirements to qualify, as well as be considered a permanent resident or U.S citizen and live in an eligible state. Loans funded by Credit Direct offer fixed interest rates from 4.99% APR to 29.99% APR for loan amounts from $1,000 to $40,000. Loan repayment terms range from 12 months to 60 months. There are no administration fees.

Representative Example: If you borrow $2,500 on a 36-month repayment term and at a 10% APR, the monthly repayment will be $80.67. Total repayment will be $2,904.02. Total interest paid will be $404.02.

APR = Annual Percentage Rate and is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff.

APRs, repayment terms, minimum and maximum loan amount, and administration/origination fees offered through Credit Direct’s lending partner network may differ from the above. It is recommended that you review the lender's and/or lending partner's terms and conditions in full before proceeding for a personal loan.

Approval and rates offered through Credit Direct or our lending partner network depend on several factors, including state law, loan size, financial history, and creditworthiness. If approved, your actual rate will fall within a range of rates and is not guaranteed to be the lowest rate available. CREDIT DIRECT RESERVES THE RIGHT TO CHANGE SERVICES, BENEFITS, RATES AND TERMS WITHOUT NOTICE. Loans through Credit Direct are private loans. As such, federal loan repayment options such as Income Based Repayment or PAYE are not available. State of Maryland of Labor, Licensing and Regulation Commissioner of Financial Regulation certifies LIC/REG/CERT: # 1396. Alabama Lic. # MC 22488, Arkansas Reg. # 811146125, #Arizona Lic. # CL-0942384, California Lic. # CFL 60DBO-48768, Florida Lic. # CF9900974, Indiana Reg. # 201703231187292, Iowa Reg. # 546318, Louisiana Lic. # TBD (NMLS ID 1637421), Michigan Lic. # RL0019897, Missouri Reg. # FL001419595, North Carolina Lic. # 165760, Pennsylvania Lic. # 51098, Texas Lic. # 152649, Virginia SSC ID #T071292-9, Oklahoma Lic. # SL008448

Credit Direct is a registered D/B/A of Delmarva Funding LLC. Corporate offices located at 9201 Corporate Boulevard, Suite 110, Rockville, MD 20850.

Credit Card Refinancing

Find Financial Freedom

Frequently Asked Questions

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