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Interest rate vs comparison rate on a consolidation loan

The advertised interest rate tells you how interest is charged on a loan. The comparison rate combines that rate with certain fees using a standard loan example. Both are useful, however neither replaces a calculation using the amount and term you are actually considering.
Aug 27, 2026
 in 
Debt consolidation

Debt consolidation vs refinancing

Debt consolidation and refinancing overlap, but they describe slightly different jobs. Refinancing replaces an existing credit arrangement with a new one. Debt consolidation usually uses one new loan to pay out several existing debts.
Aug 26, 2026
 in 
Debt consolidation

Secured vs unsecured debt consolidation

If you’re comparing ways to combine several debts, start by checking whether the new loan is secured. A secured loan is backed by an asset, usually a home or car. An unsecured loan is not. That choice can change the rate you’re offered, how the lender assesses the application and what could happen if you cannot keep up with repayments.
Aug 26, 2026
 in 
Debt consolidation

Credit card or personal loan: which is better for paying off debt?

A credit card can offer a promotional rate and flexible access to credit. A personal loan usually has a set term and scheduled repayments. The better fit depends on the amount, clearing time, fees, spending risk and whether several debts need to be paid out.
Aug 25, 2026
 in 
Debt consolidation

Consolidating credit card debt with a personal loan

A personal loan can replace one or more credit-card balances with a fixed repayment and end date. It may reduce interest or make the debt easier to manage, but only when the rate, fees and term compare well with the way you are currently repaying the cards.
Aug 25, 2026
 in 
Debt consolidation

Secured or unsecured debt consolidation: what changes?

Debt consolidation can combine several balances into one loan. That loan can be secured or unsecured, and the difference goes beyond the interest rate.
Aug 21, 2026
 in 
Debt consolidation
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