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Credit Card Refinance

Pay off your credit cards

  • Loans up to $50,000
  • Fast funding†
  • Affordable monthly payments
  • No prepayment fees
Checking your rate is free and won’t impact your credit score.

Why refinance your credit cards with a personal loan?

Take control

Streamline multiple payments into a single monthly payment that’s easy to manage and pay off.

Lower your rates

Eliminate high-interest debt and credit card payments with a lower rate.

No surprises

Get a fixed rate that won’t ever change. Be confident that you know how much you’re paying each month.

Get out of debt faster

Find the relief of a clear payoff date that you can circle on your calendar.

How it works


Check your rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.


Choose your offer*

Review multiple loan options and decide which offer is best to help you achieve your financial goals.


Fast funding†

Accept your loan offer and you should get your money within a day of clearing necessary verifications.

Flexibility & Customization

Choose the best option that fits your monthly budget and schedule to get out of debt
Select Offer diagram
  1. Single Monthly Payment

    Choose your monthly payment that won’t ever change and fits your budget.

  2. Fixed Rate & Term

    Pick terms that fit your timeline.

From our customers

It is great working with Upgrade. They sent the money right away to my bank account and I can start paying off my credit cards. Thanks Upgrade for your help. Upgrade is great!
Jose, Refinance Credit Cards

We’re here to help

How much can I borrow?
What if I want to pay off my loan quicker?
Why choose Upgrade over other options like a credit card?

Need Help?

Or call us at
(844) 319-3909
Monday - Friday, 5am - 6pm PT
Saturday - Sunday, 6am - 5pm PT

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

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