Gives you one payment instead of multiple payments and due dates. This allows you to focus on one payment and one goal: the payoff. Lowers your rate to create one, affordable payment. Civic has rates as low as 4.50% APR, likely significantly lower compared to your existing high-rate debt such as credit cards which can be as high as 18 – 24 percent.How to Pay Off Credit Card Debt Without a Personal Loan. There are lots of other ways to pay off credit card debt if a personal loan isn’t an option for you. Balance transfer credit cards allow you to move your credit card balance to a card with 0% APR for a period of time. This is a solid choice if you have good or excellent credit, which you .
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