One loan, one payment
Roll multiple credit card balances into a single personal loan with one fixed monthly payment instead of several due dates.
August Payment Vacation
Take a Credit Card Payment Vacation this August and Save Money
Consolidate your credit card debt into one personal loan and skip a payment — your first bill isn't due until September. Answer one quick question to see your options.
See My OptionsTakes about 10 seconds. No personal info required to check.
Question 1 of 1
You're skipping August. Now pick your September payment day.
Choose the day you'd like your first payment due. Educational guidance only — not financial advice.
September 2026
Sun
Mon
Tue
Wed
Thu
Fri
Sat
Choose a day above
Nice pick
Let's see if a personal loan can line up with September
Lenders set actual first-payment dates based on when your loan funds and their billing cycle, so an exact date isn't guaranteed — but many personal loans give you 30–45 days before the first payment is due, which can land your first bill in September.
Check your rate without affecting your creditHow a payment vacation works
A few things to know before you check your rate.
A built-in break
Many personal loan lenders don't require your first payment until 30–45 days after funding — which can line up with skipping this month's card bills.
Checking your rate is free
Seeing personalized rate estimates through NerdWallet's pre-qualification flow uses a soft credit check and won't affect your credit score.
Common questions
Will checking my rate hurt my credit score?
No — seeing your personalized rate estimates uses a soft credit check, which doesn't affect your credit score. A hard credit check only happens if you formally apply.
Can I really pick my own payment day?
Your preferred day is a starting point, not a guarantee — actual first-payment dates are set by the lender based on when your loan funds and their billing cycle. Many personal loans don't schedule a first payment until 30–45 days after funding, which can land it in September.
What happens after I answer the question above?
You'll be taken to NerdWallet's personal loan pre-qualification flow, where you can see personalized rate estimates from multiple lenders side by side before deciding whether to apply.
Ready to see your options?
Check your rate in a couple minutes — it won't affect your credit score.
Check My RateThis page reflects NerdWallet's editorial views, independent of any lender. NerdWallet may be compensated by lenders featured in the pre-qualification flow linked above. Loan terms, rates, and payment start dates are set by individual lenders and depend on creditworthiness — not guaranteed for every borrower.