Credit Card vs. Refinance Comparison

⚠️ Warning: Negative Amortization Detected
Your interest charges are higher than your monthly payment. Unless you pay more, your balances will grow, not shrink.

Paying Minimum on Credit Card

Months to pay off:

Interest rate:

Total interest paid:

Monthly payment:

Total cost:

* Not including what you’ve already paid in interest

What if I Refinance with Debt Duck?

Loan term: 60 months

*Interest rate: 15%

Monthly payment: $0

Total interest paid: $0

Total cost: $0

** The APR shown is an example and does not represent an offer or guarantee. Actual rates and terms are determined based on individual creditworthiness, income, debt obligations, and verification at the time of application. All loans subject to credit approval.

Could you afford this instead?

Your estimated monthly payment with us might be:

Does this new payment work for you?

How Long It Takes to Pay Off $30,000 in Credit Card Debt

2.5% of Balance

Time to Payoff: 658 months (54.8 years)

Total Interest Paid: $81,340.93

5% of Balance

Time to Payoff: 169 months (14.1 years)

Total Interest Paid: $17,271.80

Source: CBS News – View article