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We’re on your side, even if it means we don’t make a cent.

The option that best suits you depends on your overall debt load, credit score and history, available cash and other aspects of your financial situation, as well as your self-discipline.

Knowing your credit profile before you apply can help set expectations.

Several personal finance websites, including Nerd Wallet, offer free access to your credit score and credit report.

Make a budget to pay off your debt by the end of the introductory period, because any remaining balance after that time will be subject to a regular credit card interest rate.

Debt consolidation won’t work if you have too much debt or haven’t fixed underlying spending issues.

Almost all lenders require you to be 18 years or older and a legal U. resident with a verifiable bank account and not in bankruptcy or foreclosure.

Borrowing limits are typically higher; some lenders offer loans of ,000 or more.

In addition, a personal loan may improve your credit if it means your credit card balances shrink relative to the credit limits.