Lower your rate,
crush your debt.
Consolidate your credit card debt into one fixed-rate personal loan. Lower your monthly payment, pay off debt faster, and take control of your finances.
5.99%
Low fixed APR¹
$100K+
Loan amounts
2 days
Fast funding²
$0
Application fees
Why consolidate with BrightPath?
We make it simple to combine high-interest debt into one loan with better terms.
Lower your rate
The average credit card rate is 24%. Our consolidation loans start at 5.99% APR — so more of your payment goes to principal.
One simple payment
Replace 5, 6, or 7 confusing bills with a single fixed monthly payment you can count on — same amount, same date, every month.
Pay off debt faster
With a fixed term and lower rate, you'll have a clear payoff date. Most members are debt-free in 2–5 years.
How it works
Check your rate
Fill out a short form — takes about 2 minutes. We'll do a soft credit check that won't impact your score.
Choose your loan
Compare your personalized rate, monthly payment, and terms. Pick the option that fits your budget.
Get funded
Accept your loan and receive funds directly in your bank account in as few as 2 business days.
Our loan products
Find the right loan for your needs.
Debt Consolidation Loans
Combine multiple high-interest debts into one fixed-rate loan. Lower your rate and simplify your bills.
- ✓Rates from 5.99% APR
- ✓$5,000 – $100,000+
- ✓Fixed monthly payments
- ✓24–84 month terms
Personal Loans
Flexible funding for home improvement, major purchases, medical expenses, and more.
- ✓Competitive fixed rates
- ✓$2,000 – $50,000
- ✓No collateral required
- ✓Funds in 2 days
Members love BrightPath
“I consolidated $32,000 in credit card debt at half the rate. My monthly payment dropped by $400.”
Sarah M.
Dallas, TX
“The application took 3 minutes. I had an offer the same day and was funded in 2 days.”
James R.
Atlanta, GA
“I went from 6 separate payments to one. I'm on track to be debt-free in 3 years.”
Maria L.
Phoenix, AZ
Ready to take control of your debt?
See your personalized rate in minutes — without affecting your credit score.
View Your Rate¹ Lowest rate available with excellent credit and autopay. Your rate will depend on your credit score, loan amount, and term.
² Funds available as soon as the same day for existing customers; 2 business days for new customers after verification.