Consolidate your debt.
Save every month.
Combine credit cards, medical bills, and other high-interest debt into one fixed-rate loan with a lower monthly payment. Check your rate with no credit score impact.
Why consolidate with BrightPath?
Simplify your finances and save money every month.
Lower interest rates
Go from 20%+ credit card APR to a fixed rate as low as 5.99%. More of each payment goes to principal.
One monthly payment
Replace multiple due dates with one fixed payment — same amount, same day, every month.
No hidden fees
No application fees. No prepayment penalties. Transparent terms before you commit.
Fast funding
Get funds deposited in as few as 2 business days after accepting your offer.
No credit score impact
Checking your rate is a soft inquiry — it won't affect your credit score.
Clear payoff date
Know exactly when you'll be debt-free with a fixed loan term of 24–84 months.
How it works
Check your rate
Answer a few questions. We'll do a soft credit check — no impact to your score.
Review your offer
See your personalized rate, payment, and term. Compare options with no obligation.
Get funded
Accept and receive funds in your bank account in as few as 2 business days.
Check your rate
See your personalized loan offer in minutes. Checking your rate is free and won't affect your credit score.
No credit impact
Soft inquiry only — your score stays the same.
Rates from 5.99% APR
Competitive fixed rates based on your profile.
Up to $100,000+
Loan amounts tailored to your debt.
Fixed payments
Same amount every month — no surprises.
“I consolidated $32,000 in credit card debt and dropped my monthly payment by $400. The process was seamless.”
Sarah M., Dallas TX
Check Your Rate
No impact to your credit score
Your information is encrypted with SSL/TLS. Soft inquiry — no credit score impact. Privacy Policy · Terms
Frequently asked questions
Will checking my rate affect my credit score?
No. We use a soft credit inquiry that doesn't impact your score. A hard inquiry only occurs if you accept a loan offer.
What credit score do I need?
We work with a range of credit profiles. Better rates are available for higher scores, but we have options for scores as low as 550.
How much can I borrow?
Loan amounts range from $5,000 to over $100,000, depending on your creditworthiness and income.
How fast can I get funded?
Funds can be deposited in as few as 2 business days after you accept your offer and complete verification.
Are there any fees?
No application fees. Some offers may include an origination fee (0–6%), clearly disclosed before you accept. No prepayment penalties.