Last updated on June 18, 2025
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Best for overall debt consolidation loan
7.90 - 35.99%
$1K - $50K
600
2 to 6 years
Why our Nerds love it
LendingClub personal loans are a solid option for good-credit borrowers looking to consolidate debt and build their credit. Read our review of LendingClub
Best for debt consolidation loan for good credit
8.99 - 35.49%
$5K - $100K
None
2 to 7 years
Why our Nerds love it
SoFi offers online personal loans with consumer-friendly features for good- and excellent-credit borrowers. Read our review of SoFi Personal Loan
Best for Flexible repayment terms
5.99 - 35.99%
$3.5K - $40K
660
2 to 5 years
Why our Nerds love it
Reach Financial provides credit card consolidation loans to borrowers with good credit. The lender offers customizable repayment terms, but lacks other flexible features and transparency. Read our review of Reach Financial Personal Loans
Best for Low annual percentage rates
6.49 - 25.29%
$5K - $100K
660
2 to 7 years
Why our Nerds love it
LightStream is a solid option for good-credit borrowers, with no fees and a promise to beat competitors’ rates. Read our review of LightStream
Best for Joint debt consolidation loans
7.99 - 35.99%
$1K - $50K
580
2 to 7 years
Why our Nerds love it
Upgrade personal loans offer multiple rate discounts and direct payment to creditors. A low minimum credit score requirement makes the perks stand out even more. Read our review of Upgrade
Best for Secured debt consolidation loans
6.99 - 35.99%
$2K - $50K
600
3 to 5 years
Why our Nerds love it
Best Egg offers personal loans for borrowers who want to consolidate debt and need cash fast. Read our review of Best Egg
Best for Consolidating credit card debt
8.95 - 29.99%
$5K - $40K
640
2 to 5 years
Why our Nerds love it
Happy Money offers loans and ongoing support to help fair- and good-credit borrowers consolidate credit card debt. Read our review of Happy Money
Best for Rate discounts
8.99 - 29.99%
$5K - $50K
640
2 to 5 years
Why our Nerds love it
Achieve personal loans can be a good debt consolidation option for fair- or good-credit borrowers who qualify for one of the lender’s rate discounts. Read our review of Achieve Personal Loans
Best for Borrowers with bad credit
11.69 - 35.99%
$1K - $50K
580
3 to 5 years
Why our Nerds love it
A Universal Credit loan is a sound option for bad-credit borrowers looking to build credit, but rates are high compared to similar lenders. Read our review of Universal Credit
35+
Lenders reviewed
25+
Categories assessed
70+
Data points analyzed
5.0
Overall score
See if debt consolidation is for you by estimating how much you can save
New monthly payment$573
New monthly payment
Current monthly payment$1,000
Current monthly payment
With an excellent credit score, we estimate a 13.31% APR for a 5-year personal loan.