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Early-repayment fees when refinancing a personal loan

Some fixed-rate personal loans may charge a fee when repaid early. The fee can be included in a payout figure or shown separately, and it can change whether a lower-rate refinance is worthwhile.
Sep 15, 2026
 in 
Debt consolidation

How establishment fees change a debt-refinancing break-even point

An establishment fee raises the starting cost of a refinance. The lower rate must save enough each month to recover that fee before the remaining debt is cleared or refinanced again.
Sep 14, 2026
 in 
Debt consolidation

Shorter or longer refinance term: what changes?

A shorter term usually requires a higher repayment and can reduce total interest. A longer term can lower the scheduled repayment but keep the debt and interest running for longer. Neither is useful if the repayment is not sustainable.
Sep 13, 2026
 in 
Debt consolidation

Comparison rate versus interest rate when refinancing debt

The interest rate describes interest charged on the balance. A comparison rate combines interest with most fees using a stated example amount and term. It can help with screening, but it does not replace a dollar comparison for your own balance and term.
Sep 12, 2026
 in 
Debt consolidation

Why the personal-loan rate you receive may differ from the advertised rate

An advertised rate can be a starting point, a range or a rate available only to some applicants. The offer you receive may reflect the provider’s assessment, loan amount, term and product rules, so compare using the actual rate and fees in your offer.
Sep 11, 2026
 in 
Debt consolidation

Are repeated balance transfers a good way to manage credit-card debt?

A second transfer can reduce interest for another period, but repeated transfers add applications, fees and uncertainty. If the balance is not falling between offers, the strategy may be postponing the cost rather than solving it.
Sep 2, 2026
 in 
Debt consolidation
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