Consolidate Your Credit Card Debt

With Rates as low as 6.99%*

Credit Card Consolidation Calculator


This will not impact your credit score

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Complete our online Quick Quote in 2 minutes for your personalized loan rate.

Loan Application can be completed in 7 minutes

Get a response in 60 seconds

Receive your funding the next business day

This will not impact your credit score

Take Control of Your Finances With a Symple Loan

A credit card refinancing loan is a straightforward way to pay off one or multiple credit card balances in part, in full and over a fixed period of time.  When facing high-interest rate credit card debt, a personal loan with a lower interest rate can help you pay off your cards faster and with less interest over time.

Personalized Rate Quote

Loan Terms from 1 to 7 Years

No Early Repayment Fees

Private and Secure

Tackle Credit Card Debt and Bills With a Plan

When taking out a personal loan from Symple Loans to refinance your credit card debt or pay down bills, the funds can be used to pay down common types of debts including: Credit Card Balances, Buy Now – Pay Later Accounts, Utility Bills, Repair Bills and more.

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Credit Card Balances

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Utility Bills

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Buy Now – Pay Later Accounts

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Repair Bills

This will not impact your credit score

Symple Loans Rates

Our interest rates are often lower than what other lenders are offering and our Quick Quote feature gives you an indicative rate before you apply. You can have the money in your account the next business day.


Interest Rate Establishment Fee
6.99% p.a. to 22.99% p.a.*
From 0% to 5%*
From 6.99% p.a. to 32.00% p.a.*

Loan Options

Minimum Amount Maximum Amount
Minimum Term Maximum Term
1 Year
7 Years
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Get Started With A Personalized Quick Quote Rate

Check Your Rate in 2 Minutes and receive a personalized Quote Rate. It won’t impact your credit score.

This will not impact your credit score

Symple Loans Eligibility

1. Be at least 18 years old
2.Be employed and receiving employment or retirement income over $50k annually
3. Be a Canadian citizen or permanent resident
4. Reside in Canada (excl. NS, QC, SK)
5. Have no current or previous consumer proposals or bankruptcies

This will not impact your credit score

Credit Card Debt FAQs

Personal loans are a great option for lowering credit card debt by consolidating outstanding amounts and reducing high-interest rates. With most credit cards averaging an interest rate of 22.99% or higher, Symple Loans offers a smarter way to get ahead of credit card debt starting at just 6.99%. Symple Loans allow you to pay off your debt faster, have lower monthly payments, and increase your chances of improving your credit score over time.
Whether you’re carrying a small or large balance, Symple Loans offers personalized credit card refinancing loans from $5,000 to $50,000 to help you take back control faster.

Credit-card refinancing is a way of paying down or paying off high interest rate credit card balances with a lower rate personal loan. Lower interest rates allow you to reduce your monthly payment and take control of your finances faster!

If you meet the below requirements, you are eligible for a Symple Loan:
1. Be at least 18 years old
2. Be employed, earning over $50K annually
3. Be a Canadian Citizen or Permanent Resident
4. Residing in Canada (excl. NS, QC, SK)
5. Have no previous bankruptcies

Customers can request for $5,000 to $50,000 and select loan terms from 1 to 7 years. The amount that you are approved for is dependent on your personal application.

At Symple, our application assessment and underwriting process allows us to better understand the specific circumstances of each applicant and offer customized interest rates and loan terms. Our rates allow you to pay off your loan faster while paying less interest over your term.

  • Rates starting at 6.99%
  • Terms from 1-7 years
Absolutely, you can pay off multiple credit card balances with a single loan. You may benefit from consolidating these payments into one payment in a frequency of your choice (weekly, bi-weekly, monthly), allowing you to get ahead of your debt faster.
No! Symple Loan’s offers a no-obligation quick quote that includes a few simple questions to get your personalized rate. When you continue through your application and submit it in full, like any other loan your credit score may be impacted.
At Symple Loans, we pride ourselves on creating the most efficient and convenient experience for our consumers. Once approved and accepting your loan terms by signing your contract, funds will be transferred by the next business day, it’s that Symple!
Yes. The beauty of acquiring a Symple loan is our flexible, no fee, early payment plan. With no early payment penalties you have several options to pay off your loan in partial or in full at any time by contacting our customer service team at [email protected] or call us directly at 1-888-479-2292
Yes! Please contact our customer service team at [email protected] or call us directly at 1-888-479-2292 to change your loan payment date so you never have to miss a payment.

Absolutely Not! Origination fees may be applicable on your Symple Loan and help us provide you with the best customer experience from the comfort of your home, while keeping your interest rates low. These fees are a one-time charge of 0-5% and are added to your loan principal which can be paid off over your loan term. Late payment fees of $45.00 will apply for missed or late scheduled payments.

Our customer care team at Symple Loans is always ready to help. You can email us at any time at [email protected], and a customer care representative will reach out to you by the end of the next business day or give us a call Monday to Friday between 9AM-5PM EST at 1-888-479-2292.

You can apply anywhere at anytime from the comfort of your own home, or on your daily commute by answering a few quick questions. Click to check your rate! Monday to Friday between 9AM-5PM EST at 1-888-479-2292.

This will not impact your credit score