Consolidate by amount
Consolidate $30,000 of debt
Compare unsecured personal loan offers to consolidate $30,000 of high-interest balances. One fixed monthly payment, a lower APR, and a clear payoff date — with no fees to use the platform.
Checking your rate uses a soft credit pull — no impact on your credit score.
Why consolidate $30,000?
A $30,000 debt consolidation loan replaces multiple high-interest credit card balances with a single fixed-rate personal loan. Most borrowers see a lower APR, one predictable payment, and a firm payoff date.
Loans through the Swift Financial Network range from $1,000 to $50,000 with terms of 24 to 84 months. Representative APRs run from 6.99% for excellent credit up to 35.99%. The rate you receive depends on your credit profile, income, and total debt load.
What your monthly payment could look like
For a $30,000 loan, a 36-month term at 12.99% APR lands around $337 per month. Stretch to 60 months and the payment drops closer to $228 — though you'll pay more in total interest. A shorter 24-month term at the same rate runs about $475 per month but clears the debt faster with less interest overall.
The best way to see your real rate and payment is to check offers. It takes about 60 seconds and uses a soft credit pull — no impact on your score.
Eligibility basics
- U.S. citizen or permanent resident, 18 or older.
- Verifiable income — employment, self-employment, retirement, or steady benefits.
- A checking account in your name to receive funds.
- Most approved borrowers have a credit score of 600 or higher, though several network lenders work with fair credit.
How it works
- 1. Tell us about your debt. Loan amount, purpose, basic income — about 60 seconds.
- 2. See your real offers. A soft credit pull surfaces real rates from lenders that match your profile.
- 3. Pick the offer that fits. Compare APR, term, monthly payment, and any fees side-by-side.
- 4. Finalize directly with the lender. The chosen lender runs a hard pull, finalizes the loan, and funds — often within one business day.
Run the numbers first
- Debt consolidation calculator — combine your current balances and APRs.
- Debt payoff calculator — see how fast you'll be debt-free.
- Snowball vs avalanche — compare DIY payoff methods to a single loan.
