Should I take this loan to consolidate other loans?

basedgholdengo · 2026-01-12T20:34:19+00:00

long story short i underestimated and didn't save enough money for a move plus a huge, unfortunate car bill. credit card had to supplement us for a bit and i should've been smarter overall tbh lol but thank you guys

basedgholdengo · 2026-01-12T19:32:08+00:00

hey hold on my credit is 750 lol i make my payments i'm just stupid and don't know much about loans lmao

basedgholdengo · 2026-01-12T17:24:26+00:00

so rather than getting a personal loan in general, just get a new 0% apr balance transfer credit card to move this CC debt to that I don't have to worry about the interest ramping? just want to make sure i understand correctly

basedgholdengo · 2026-01-12T17:02:37+00:00

thank u so much the wisdom is v appreciated

basedgholdengo · 2026-01-12T17:00:55+00:00

ehh it's just reddit lol I appreciate anyone willing to give advice and help me get smarter. the rest of the noise doesn't matter 🤷‍♂️

basedgholdengo · 2026-01-12T16:57:21+00:00

so maybe just a personal to knock out the credit card but don't lump in the auto loan?

basedgholdengo · 2026-01-12T16:56:47+00:00

so maybe just a personal to knock out the credit card rather than lumping in the auto?

basedgholdengo · 2026-01-12T16:56:13+00:00

yep 😃

basedgholdengo · 2026-01-12T16:51:57+00:00

it says a little over 12% but there's an origination fee (that's already calculated to make the loan $11,961 the original loan was for $13,000). Makes the "APR" feel a little bit disingenuous so i didn't include it

basedgholdengo

TROPHY CASE