U.S. consumers regularly wonder whether an interest-free credit card transfer or consolidation loan will help them more. A great deal will depend upon personal circumstances, such as credit rating, how many different debts exist and the type of debt consolidation loans that are available.

Reduce Personal Debt with an Interest-Free Credit Card Transfer

Whilst the principle benefit of a debt consolidation loan is a single monthly repayment, it is not a form of interest-free credit. A credit card transfer will allow a consumer to avoid further interest payments for an average of 12 months. For example, a consumer with an existing $10,000 balance accruing interest at 18% APR will stand to save $1,800 per annum. A further balance transfer could be performed at the end of the promotional period, provided the applicant maintains a good credit history.

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