The amount of time it takes depends on the lender and your personal situation, but generally, it can take anywhere from a few business days to a few weeks. Some factors that affect the time frame are: How quickly you complete the personal loan application and submit the required documents, if any. These documents may include proof of income, bank account statements, or other documents. How fast the lender verifies your information, which may include performing a credit check or reviewing documents you submitted. How soon the lender approves your loan and disburses the funds to your bank account or to your creditors. Make sure to compare credit card debt refinancing loan offers from multiple lenders and consult a credit counselor or a financial advisor before making any decision that affects your finances.