Lower the heat
Lower your rate. Burn debt faster.
When more of each payment goes to principal, balances fall faster. Tell us what you owe and what you want to lower, and a lending or refinance partner can show you options.
- Free, no obligation
- Credit cards, student, car and home loans
- Takes about 2 minutes
See your lower-rate options
Answer a few questions and a partner will reach out with options for your situation.
What kinds of options are there?
- 0% balance transfer cards pause card interest for a promotional period, usually for a one-time fee. How they work.
- Debt consolidation loans replace several card balances with one fixed-rate loan and a set payoff date.
- Student loan refinancing can lower private or federal loan rates, but refinancing federal loans ends federal protections. Read this first.
- Auto refinancing can lower a high car loan rate if your credit has improved. Car loan guides.
- Mortgage refinancing can make sense when rates drop or you want a shorter term. Mortgage payoff guides.
Before you borrow: a new loan only helps if you stop adding to the old balances. Pair any new rate with a payoff plan from the Burn-Down Calculator.
Burn the Balance is not a lender and does not make credit decisions. Partners set their own rates, terms and eligibility. Offers may affect your credit when you formally apply. See our advertiser disclosure.