<prompt> Human: I have about 700 dollars in credit card bills across 3 credit cards, its not a lot, but at the same time i kind of just want to get them out of the way. I figured a loan from my bank may have a better interest rate than what my cards have. Would it be smart to take out a loan and pay off all these at once, and just have one loan payment? Or should i just keep chunking away at them individually?  <response>: How long is it going to take you to pay off 700 dollars? Even at an absurd interest rate were talking like 15 dollars in interest a month. Just pay it off, the loan doesnt save you anything. An unsecured bank loan is probably gonna be upwards of 10 percent anyway, so you might save 5 bucks a month assuming the bank doesnt charge any fees. 