How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

card 1-$8000 balance, 18% rate

card 2-$2000 balance, 22% rate

card 3-$2000 balance, 14% rate

card 4-$2000 balance, 14% rate

i want to pay off the first two somehow. i've seen advertisements from bank of america and it sounds like they give loans to pay off credit cards. my husband and i have pretty good credit. my score is 710 and his is 680. all the cards are in my name primarily but he's on both of them. he works full time and i'm a stay at home mom

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

Sounds like our situation. We went with Take charge America. I wouldn't ever think of getting a loan to essentially pay off another loan. That will get you into trouble.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

I know it would be cheaper to get a loan to pay off the cards but then what would the interest rate be on the loan? What you really need to do is to try to take half of your husbands paycheck a month and put it on that credit. And did you mean that you just paid off your house or that you just bought a house 2 weeks ago? You may need a credit counselors help on this one if you are putting yourself more in debt.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

I did take a loan through bank of america at about a 10% rate. It reduced my monthly payments and consolidated my debt to a lower rate. Just make sure to pay on time every month and to never borrow against your line of credit with them or it will increase your rate. Another option would be to refinance your house if it is appraised at more than what you paid for it. That will get you some cash at a very low interest rate.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

Amazing, that you have $14k in CC debt and you still were able to get a mortgage on a house two weeks ago. On a single income. You just single-handedly made it infinitely more difficult to pay down your CC debt. It's not impossible to pay it down, it's just going to take longer.

Instead of getting another loan, or taking an even bigger risk by drawing on your home equity to pay bills (transferring unsecured debt to debt secured by your home), consider the balance transfer offers your CC companies are offering and transfer balances to the one w/ the best rate. That's a quick and dirty way to drop the APR, from 22% to 6.99% or so. Yeah, you'll take the hit in bal xfer fees, but it's probably better than the long-term 22%. And a lot better than putting your home at risk of foreclosure.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

The worst thing you can do is get more debt (a loan) to pay off other debt. Throw as much as you can into the 2 higher interest rate cards and try to pay a little more then the minimum on the other 2.

How can i get a loan for $10,000 to pay off credit cards? i just bought my own home 2 weeks ago?

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