{"id":15690,"date":"2024-10-18T10:08:26","date_gmt":"2024-10-18T04:38:26","guid":{"rendered":"https:\/\/fly.finance\/blog\/?p=15690"},"modified":"2024-10-22T21:11:42","modified_gmt":"2024-10-22T15:41:42","slug":"personal-loan-to-pay-off-credit-card-debt","status":"publish","type":"post","link":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/","title":{"rendered":"Personal Loan to Pay Off Credit Card Debt: Banks, Interest, Process"},"content":{"rendered":"\n<p>If you are struggling to manage multiple credit card balances and higher interest rates, a personal loan to pay off credit card bills can be an effective way to manage debt. These loans offer lower interest rates and help you combine multiple credit card payments into a single, manageable monthly payment. You must meet the eligibility criteria and evaluate the repayment terms. Let\u2019s explore major details on loans for credit card payment.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td><strong>Key Takeaways<\/strong><\/td><\/tr><tr><td>Personal loan for credit card debt is a common strategy known as debt consolidation that lets you combine multiple debts into manageable EMI.<\/td><\/tr><tr><td>Paying off credit card balances with a personal loan can improve your credit score by reducing your credit utilisation ratio.<\/td><\/tr><tr><td>Before opting for a personal loan, assess your overall financial health as poor management can result in more debt than before.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\">Table of contents<\/h2><ul><li><a href=\"#h-can-i-get-a-loan-for-credit-card-payment\" data-level=\"2\">Can I Get a Loan for Credit Card Payment?<\/a><ul><li><a href=\"#h-example-of-loan-for-credit-card-payment\" data-level=\"3\">Example of Loan for Credit Card Payment<\/a><\/li><\/ul><\/li><li><a href=\"#h-benefits-of-personal-loan-for-credit-card-payment\" data-level=\"2\">Benefits of Personal Loan for Credit Card Payment<\/a><ul><li><a href=\"#h-lower-interest-rates\" data-level=\"3\">Lower Interest Rates<\/a><\/li><li><a href=\"#h-simplified-payments\" data-level=\"3\">Simplified Payments<\/a><\/li><li><a href=\"#h-no-collateral-required\" data-level=\"3\">No Collateral Required<\/a><\/li><li><a href=\"#h-improved-credit-score\" data-level=\"3\">Improved Credit Score<\/a><\/li><\/ul><\/li><li><a href=\"#h-interest-rates-on-personal-loans-to-pay-off-credit-card-bills\" data-level=\"2\">Interest Rates on Personal Loans to Pay Off Credit Card Bills<\/a><\/li><li><a href=\"#h-how-to-get-a-loan-to-pay-off-credit-cards-debt\" data-level=\"2\">How to Get a Loan to Pay Off Credit Cards Debt?<\/a><\/li><li><a href=\"#h-faqs\" data-level=\"2\">FAQs<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-i-get-a-loan-for-credit-card-payment\"><span id=\"can-i-get-a-loan-for-credit-card-payment\">Can I Get a Loan for Credit Card Payment?<\/span><\/h2>\n\n\n\n<p>Yes, you can get a personal loan to pay off credit card debt. Whether you <a href=\"https:\/\/fly.finance\/blog\/education-loan\/pay-student-loans-with-credit-card\/\"><strong>pay student loans with credit cards<\/strong><\/a> or manage other financial obligations, effective management is important. Failure to do so or unforeseen circumstances can result in credit card debt accumulation. It can significantly affect your credit score.<\/p>\n\n\n\n<p>Thus, many Indian banks offer loans for credit card payments. It is a common and helpful solution and lets you consolidate your high-interest credit card debt into a single loan with lower interest rates. This makes your repayment more manageable.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td>Amount of Personal Loan for Credit Card<\/td><td>Up to INR 50 lakhs<\/td><\/tr><tr><td>Interest Rates<\/td><td>10.25% p.a onwards&nbsp;<\/td><\/tr><tr><td>Popular Banks<\/td><td>Standard Chartered Bank, Kotak Mahindra Bank, State Bank of India (SBI), IndusInd Bank, HDFC Bank, ICICI Bank<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-example-of-loan-for-credit-card-payment\"><span id=\"example-of-loan-for-credit-card-payment\">Example of Loan for Credit Card Payment<\/span><\/h3>\n\n\n\n<p>You have accumulated a credit card debt of INR 1 lakh across multiple credit cards, each charging interest rates between 30-40% annually. Since managing these payments can be challenging, a <a href=\"https:\/\/fly.finance\/blog\/education-loan\/faqs-on-personal-loans-for-debt-consolidation\/\"><strong>personal loan for debt consolidation<\/strong><\/a><strong> <\/strong>lets you reduce the financial burden.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can apply for a personal loan of INR 1 lakh from a bank after evaluating the interest rates.<\/li>\n\n\n\n<li>You must meet the eligibility criteria and submit the necessary documents.<\/li>\n\n\n\n<li>You use the personal loan to pay off credit card debt of the entire amount in one go which eliminates the higher interest rates on credit card balances.<\/li>\n\n\n\n<li>Now, instead of managing multiple high-interest credit card payments, you have a single personal loan with fixed EMIs (Equated Monthly Installments).<\/li>\n<\/ul>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Planning to consolidate your debts? Check all the <\/strong><a href=\"https:\/\/fly.finance\/blog\/education-loan\/pros-and-cons-of-student-loan-consolidation\/\"><strong>pros and cons of personal loans for debt consolidation<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-personal-loan-for-credit-card-payment\"><span id=\"benefits-of-personal-loan-for-credit-card-payment\">Benefits of Personal Loan for Credit Card Payment<\/span><\/h2>\n\n\n\n<p>One of the best ways to pay off higher-interest credit cards is to take a personal loan. Personal loans to pay off credit card debt have lower interest rates compared to credit cards, helping you save money on interest payments. You can combine multiple credit card payments into a single, manageable monthly payment. Check out the benefits if you are sceptical about taking a loan for credit card payments-<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-lower-interest-rates\"><span id=\"lower-interest-rates\">Lower Interest Rates<\/span><\/h3>\n\n\n\n<p>Personal loans typically have lower interest rates compared to credit cards, which can range from 30-40% annually. This means you could save significantly on interest payments by consolidating your debt into a personal loan with rates starting around 10-12% p.a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-simplified-payments\"><span id=\"simplified-payments\">Simplified Payments<\/span><\/h3>\n\n\n\n<p>Consolidating multiple credit card debts into a single personal loan allows you to manage your finances more easily with one monthly payment instead of juggling several credit card bills. They come with fixed repayment terms, which means you will have predictable monthly payments (EMIs) over a set period, making budgeting easier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-no-collateral-required\"><span id=\"no-collateral-required\">No Collateral Required<\/span><\/h3>\n\n\n\n<p>Personal loans are unsecured loans that do not require collateral. Collateral-free personal loans for credit card payment have quicker processing time and minimal documentation. This lets you make easy payments without pledging any asset to the lender.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-improved-credit-score\"><span id=\"improved-credit-score\">Improved Credit Score<\/span><\/h3>\n\n\n\n<p>Paying off your credit card debt can positively impact your credit score by reducing your credit utilisation ratio and ensuring timely payments on the personal loan.<\/p>\n\n\n\n<p class=\"has-pale-ocean-gradient-background has-background\"><strong>Also Read: Check out the <\/strong><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/best-loan-apps-for-students\/\"><strong>best loan apps for students<\/strong><\/a><strong> that help them avail loans to cover tuition fees and other expenses related to higher studies at the best interest rates.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-interest-rates-on-personal-loans-to-pay-off-credit-card-bills\"><span id=\"interest-rates-on-personal-loans-to-pay-off-credit-card-bills\">Interest Rates on Personal Loans to Pay Off Credit Card Bills<\/span><\/h2>\n\n\n\n<p>Various banks offer different amounts and terms for personal loans against credit cards. The interest rates on personal loans for credit card payments usually start from 10.25% p.a onwards and vary across different lenders. Here\u2019s the list of current interest rates from various banks offering loans to pay credit card debt-<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Bank<\/strong><\/td><td><strong>Loan Amount<\/strong><\/td><td><strong>Interest Rates<\/strong><\/td><\/tr><tr><td>Standard Chartered Bank<\/td><td>Up to INR 50 lakhs<\/td><td>11.50% p.a onwards<\/td><\/tr><tr><td>Kotak Mahindra Bank<\/td><td>Up to 35 lakhs<\/td><td>10.99% p.a onwards<\/td><\/tr><tr><td>State Bank of India<\/td><td>Based on Credit Limit<\/td><td>11.45% p.a onwards<\/td><\/tr><tr><td>IndusInd Bank<\/td><td>Up to INR 50 lakhs<\/td><td>10.50% p.a onwards<\/td><\/tr><tr><td>HDFC Bank<\/td><td>Up to INR 40 lakhs<\/td><td>10.75% p.a onwards<\/td><\/tr><tr><td>ICICI Bank<\/td><td>Up to INR 50 lakhs<\/td><td>10.85% p.a onwards<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-a-loan-to-pay-off-credit-cards-debt\"><span id=\"how-to-get-a-loan-to-pay-off-credit-cards-debt\">How to Get a Loan to Pay Off Credit Cards Debt?<\/span><\/h2>\n\n\n\n<p>Before applying for a personal loan to pay off credit card debt, it is important to assess your existing debts, including creditor names, account numbers and the amount owed. This will help you choose the right bank offering the best interest rates and flexible repayment options. Follow the given steps to take a personal loan for credit card payments-<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check your eligibility criteria. The lender looks for an excellent <a href=\"https:\/\/fly.finance\/blog\/personal-loan\/cibil-score-for-personal-loans\/\"><strong>CIBIL score for personal loans<\/strong><\/a> (between 720 to 750) and a minimum monthly income usually above INR 25,000.<\/li>\n\n\n\n<li>Research the best banks offering loans for credit cards. Check the maximum loan amount offers, interest rates, processing fees, and repayment terms.<\/li>\n\n\n\n<li>Once you identify the lender, head to their official website or visit the nearest bank branch to complete the loan application form. Be prepared to attach documents such as proof of identity, residence, and income proofs, including salary slips, Form 16, and ITR statements.<\/li>\n\n\n\n<li>After receiving the approval for a personal loan, use funds to pay off your credit card balances immediately to avoid incurring additional charges.<\/li>\n\n\n\n<li>Begin making regular payments on your loan according to the agreed-upon schedule. Ensure you stay consistent with payments to avoid penalties and maintain a good credit score.<\/li>\n<\/ul>\n\n\n\n<p>This was all about personal loans to pay off credit card bills. Make sure to consolidate your debts into one personal loan and apply with the lender offering the best terms and conditions. Understanding the benefits of taking a loan to pay off credit card debt can help you take control of your finances and work towards a more stable financial future.<\/p>\n\n\n\n<p>To learn more about <a href=\"https:\/\/fly.finance\/loans\"><strong>education loans<\/strong><\/a>, the best <a href=\"https:\/\/fly.finance\/international-bank-account\"><strong>bank accounts for students<\/strong><\/a>, <a href=\"https:\/\/fly.finance\/forex\"><strong>forex,<\/strong><\/a> and banking experience for global students or international money transfers, reach out to our experts at 1800572126 to help ease your experience with studying abroad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1729226030791\"><strong class=\"schema-faq-question\">Can I take a personal loan on a credit card?<\/strong> <p class=\"schema-faq-answer\">Yes. you can use a personal loan to pay off your credit card debt. Many lenders like Standard Chartered Bank, HDFC Bank and other online platforms like LendBox offer instant credit card repayment loans.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1729226055124\"><strong class=\"schema-faq-question\">Is it good to take a personal loan for credit card payments?<\/strong> <p class=\"schema-faq-answer\">It is beneficial to take a loan for credit card payments. Personal loans usually have lower interest rates than credit cards, helping you save on interest and simplify payments.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1729226063573\"><strong class=\"schema-faq-question\">How much loan can I get to pay off my credit card debt?<\/strong> <p class=\"schema-faq-answer\">Generally, personal loans range from INT 50,000 to INR 50 lakhs. The exact amount depends on your needs, creditworthiness, income, and lender policies.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1729226072879\"><strong class=\"schema-faq-question\">What is the interest rate on a loan for credit card payment?<\/strong> <p class=\"schema-faq-answer\">Interest rates for personal loans to pay off credit card debt start from 10.25% p.a. They are significantly lower than the interest rates on credit cards, which range from 30% to 40%.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1729226081571\"><strong class=\"schema-faq-question\">How can I get a loan to pay off my credit card debt?<\/strong> <p class=\"schema-faq-answer\">To get a loan, compare lenders, check eligibility, gather necessary documents, apply online or in person, and use the funds to pay off your credit cards.<\/p> <\/div> <\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-ocean-gradient-background has-background has-fixed-layout\"><tbody><tr><td colspan=\"2\"><strong>Related Blogs<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/pnb-pre-approved-personal-loans\/\"><strong>PNB Pre-approved Personal Loan<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/bank-of-india-personal-loans\/\"><strong>Bank of India Personal Loans<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/indian-overseas-bank-personal-loans\/\"><strong>Indian Overseas Bank Personal Loan<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/kotak-mahindra-bank-personal-loans\/\"><strong>Kotak Mahindra Bank Personal Loans<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/icici-bank-personal-loan\/\"><strong>ICICI Bank Personal Loan<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/saraswat-bank-personal-loan\/\"><strong>Saraswat Bank Personal Loan<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/hdfc-bank-personal-loan\/\"><strong>HDFC Bank Personal Loan<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/yes-bank-personal-loans\/\"><strong>Yes Bank Personal Loan<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/bajaj-personal-loan\/\"><strong>Bajaj Personal Loan<\/strong><\/a><\/td><td><a href=\"https:\/\/fly.finance\/blog\/personal-loan\/indian-bank-personal-loan\/\"><strong>Indian Bank Personal Loan<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Follow Us on Social Media <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-layout-flex wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/instagram.com\/flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 c0.315,0.315,0.51,0.615,0.673,1.035c0.123,0.317,0.27,0.794,0.31,1.671c0.043,0.949,0.052,1.234,0.052,3.637 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class=\"wp-block-social-link-label screen-reader-text\">Twitter<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a href=\"https:\/\/www.facebook.com\/Flydotfinance\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>If you are struggling to manage multiple credit card balances and higher interest rates, a personal loan to pay off credit card bills can be an effective way to manage debt. These loans offer lower interest rates and help you combine multiple credit card payments into a single, manageable monthly payment. You must meet the &#8230; <a title=\"Personal Loan to Pay Off Credit Card Debt: Banks, Interest, Process\" class=\"read-more\" href=\"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/\" aria-label=\"Read more about Personal Loan to Pay Off Credit Card Debt: Banks, Interest, Process\">Read more<\/a><\/p>\n","protected":false},"author":29,"featured_media":15692,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[410],"tags":[],"class_list":["post-15690","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Personal Loan to Pay Off Credit Card Debt: Banks, Interest, Process<\/title>\n<meta name=\"description\" content=\"Explore all the details on personal loans to pay off credit card debts. 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I'm Shubhika- a proud graduate in English Literature and Language from Delhi University. My journey as a content writer transitioned from online teacher into the world of words. Stepping into the domain of blogs and articles, I discovered my passion for writing growing deeper and stronger. Having said that, I have experience of writing for diverse industries in automobile, technology, ed-tech, finance and mental-health; crafting details to help you find the solution to what you are looking for. Join me as I invite you all explore and learn together.","sameAs":["https:\/\/www.facebook.com\/shubhika.garg\/","https:\/\/www.instagram.com\/shubhika.garg\/","https:\/\/www.linkedin.com\/in\/shubhikagarg71\/","https:\/\/www.tumblr.com\/blog\/shubhikahere"],"url":"https:\/\/fly.finance\/blog\/author\/shubhika\/"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226030791","position":1,"url":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226030791","name":"Can I take a personal loan on a credit card?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. you can use a personal loan to pay off your credit card debt. Many lenders like Standard Chartered Bank, HDFC Bank and other online platforms like LendBox offer instant credit card repayment loans.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226055124","position":2,"url":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226055124","name":"Is it good to take a personal loan for credit card payments?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It is beneficial to take a loan for credit card payments. Personal loans usually have lower interest rates than credit cards, helping you save on interest and simplify payments.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226063573","position":3,"url":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226063573","name":"How much loan can I get to pay off my credit card debt?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Generally, personal loans range from INT 50,000 to INR 50 lakhs. The exact amount depends on your needs, creditworthiness, income, and lender policies.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226072879","position":4,"url":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226072879","name":"What is the interest rate on a loan for credit card payment?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Interest rates for personal loans to pay off credit card debt start from 10.25% p.a. They are significantly lower than the interest rates on credit cards, which range from 30% to 40%.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226081571","position":5,"url":"https:\/\/fly.finance\/blog\/personal-loan\/personal-loan-to-pay-off-credit-card-debt\/#faq-question-1729226081571","name":"How can I get a loan to pay off my credit card debt?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To get a loan, compare lenders, check eligibility, gather necessary documents, apply online or in person, and use the funds to pay off your credit cards.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/15690","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/comments?post=15690"}],"version-history":[{"count":3,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/15690\/revisions"}],"predecessor-version":[{"id":15752,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/posts\/15690\/revisions\/15752"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media\/15692"}],"wp:attachment":[{"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/media?parent=15690"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/categories?post=15690"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fly.finance\/blog\/wp-json\/wp\/v2\/tags?post=15690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}