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Debt Consolidation Loans

Name: Credible Debt Consolidation Loans
Brand: Credible
Rating: 4.8 (8130 reviews)

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Rates from 6.94% APR¹
Loan amounts from $1,000 to $200,000
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Best Debt Consolidation Loan Rates for January 2025

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The rates that appear are from companies which Credible receives compensation. This compensation does not impact how or where products appear within the table. The rates and information shown do not include all financial service providers or all of the displayed lender's available services and product offerings.

Filters$20,000 loan amount and 700-749 credit score, ordered by APR

Happy Money

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Rates from (APR)

8.95-17.48%

Loan term

2 - 5 years

Loan amount

Up to $40,000

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Happy Money: Best for consolidating credit card debt

Happy Money has been in operation since 2009 (formerly known as Payoff). It's an option for fair-credit borrowers (plus those with better credit), and notably has a relatively low top-end APR. In other words, you could qualify for a lower rate with Happy Money with fair credit, relative to other lenders that offer fair-credit loans. The company does charge an origination fee on some loans, up to 5%, but that's not as high as some other lenders' origination fees.

You should be prepared to wait a few days to get your money, as funding can take three to five days once approved. And loans aren't available in Massachusetts or Nevada. Happy Money has an A+ rating with the BBB and is ideal for debt consolidation and credit card consolidation loans.

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum credit score: 640

Origination fee: 2% to 5%

Check processing fee: None

Do they allow a cosigner: No

Late fee: None

Time to fund: As soon as 2 - 5 business days after verification

SoFi

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Rates from (APR)

8.99-29.99%³

Loan term

2 - 7 years

Loan amount

$5,000 - $100,000

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SoFi: Best for personal loans for excellent credit

SoFi stands out for offering no-fee personal loans with competitive rates, high loan amounts, long loan terms, discounts for autopay and direct pay, and funding as soon as the same day. Plus, SoFi prioritizes convenience for existing and potential customers with features like live chat and an easy prequalification process that doesn't require your Social Security number.

The main catch is that you need to qualify for a loan with SoFi, which can be hard to do if you don't have good credit. You also won't be able to apply with a cosigner, since SoFi doesn't accept cosigners; nor does it offer secured personal loans.

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum credit score: Does not disclose

Origination fee: 0% - 7%

Check processing fee: None

Do they allow a cosigner: No

Late fee: None

Time to fund: Typically within a few days, given approval and bank account verification

Prosper

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Rates from (APR)

8.99-35.99%

Loan term

2 - 5 years

Loan amount

Up to $50,000

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Prosper: Best for peer-to-peer lender

Prosper is the only remaining true P2P marketplace in the peer-to-peer lending space that connects borrowers with individual investors for some loans. If you apply for a loan with Prosper, the funding may come from an individual who has chosen to invest in you. Prosper offers personal loans between $2,000 and $50,000 with terms between 2 and 5 years, and funding as soon as one business day. You can use a personal loan through Prosper for a variety of purposes, including debt consolidation and home improvement. The platform has excellent customer service reviews on Trustpilot, as well.

Prepayment penalty: None

Unsuccessful payment fee: $15

Minimum credit score: 640

Origination fee: 1% to 9.99%

Check processing fee: $5 or 5% of the payment (whichever is lower)

Do they allow a cosigner: Yes

Late fee: 5% of late payment or $15 (whichever is greater)

Time to fund: 1 business day following acceptance of loan offer, completion of all necessary verification steps and final approval. One business day is also dependent on your bank’s ability to quickly process the transaction.

Rocket Loans

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Rates from (APR)

9.12-29.99%

Loan term

3, 5 years

Loan amount

Up to $45,000

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Rocket Loans: Best for fast personal loans

Rocket Loans delivers no-frills same-day personal loans with a generous autopay discount to good-credit borrowers and some borrowers with fair credit. APRs and available loan amounts are competitive — Rocket Loans offers $2,000 loans up to $45,000 loans. Plus, the company offers small business loans if you apply directly through its website. However, you’ll only have a choice between two repayment terms — 3 or 5 years — and origination fees can be as high as 9%. If you have fair credit, you may qualify, but won’t be able to add a cosigner or get a secured loan to improve your rate.

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum credit score: 640

Origination fee: Up to 9%

Check processing fee: None

Do they allow a cosigner: No

Late fee: Yes

Time to fund: If approved, you may receive funds in your account as soon as the same business day

Avant

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Rates from (APR)

9.95-35.99%

Loan term

2 - 5 years

Loan amount

Up to $35,000

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Avant: Best for all credit types

Avant personal loans are a good choice for borrowers with bad credit looking for small- to moderate-sized personal loans. Loans are available up to $35,000 and you could get the money as soon as the next business day after approval. Plus, Avant is more likely than some lenders to approve the applications of borrowers who've prequalified with Avant. However, the lender charges an origination fee up to 9.99%, and its top-range interest rates are among the highest of the lenders we reviewed.

Prepayment penalty: None

Unsuccessful payment fee: $15

Minimum credit score: 550

Origination fee: 0.95% to 9.99%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $25

Time to fund: As soon as the next business day (if approved by 4:30 p.m. CT on a weekday)

Upgrade

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Rates from (APR)

9.99-35.99%

Loan term

2 - 7 years

Loan amount

Up to $50,000

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Upgrade: Best for fair credit

Upgrade has a suite of features that make it a very attractive lender: competitive interest rates, discounts for direct pay and autopay, as soon as same-day funding, up to seven-year repayment terms, and nationwide availability. Plus, loans are available to fair-credit borrowers, and you don't need to input your Social Security number to prequalify on the website. Upgrade even offers secured personal loans, which is not common among lenders.

However, Upgrade does charge an origination fee of 1.85% to 9.99%. You must have a FICO score of at least 600 and a minimum income of $25,000 annually to qualify.

Prepayment penalty: None

Unsuccessful payment fee: $10

Minimum credit score: 600

Origination fee: 1.85% to 9.99%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $10

Time to fund: Within a day of clearing necessary verifications

Citibank

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Rates from (APR)

11.49-20.49%⁷

Loan term

1 - 5 years

Loan amount

Up to $30,000

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Citibank: Best for no fees

Citi offers no-fee personal loans to borrowers with very good credit (a FICO credit score of 740 or higher). No-fee means no origination fees and no late fees, and Citi is one of very few lenders that don’t charge either. (Origination fees are deducted from the loan upfront, reducing the amount you receive).

Though Citi requires a relatively high credit score to qualify, its minimum income requirement is low. The company also offers a generous 0.50 percentage point autopay discount and makes same day funding available to current Citi customers.

Citi offers relatively small loans, as low as $2,000. But the maximum amount you can borrow is capped at $30,000, which is less than most of its competitors. Another drawback is that the minimum APR is relatively high. Just keep in mind that even with excellent credit, you may not qualify for a lender’s lowest advertised rate, which is one reason it’s good to prequalify with multiple lenders before applying.

Citi personal loans are available nationwide.

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum credit score: 740

Origination fee: None

Check processing fee: None

Do they allow a cosigner: No

Late fee: None

Time to fund: Same day with an existing Citi account, or within 2 business days with a non-Citi account

Universal Credit

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Rates from (APR)

11.69-35.99%

Loan term

3, 5, or 7 years

Loan amount

Up to $50,000

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Universal Credit: Best for debt consolidation loans for bad credit

Universal Credit is one of a handful of lenders that offers personal loans for bad credit. If your FICO credit score is at least 560, you may be eligible for a Universal Credit personal loan. It offers loan amounts up to $50,000, repayment terms up to seven years, and discounts for direct pay and autopay. Funds are available as soon as the next business day after loan approval.

Note that rates and fees can be relatively high — you may pay an origination fee from 5.25% to 9.99%, and APRs start at 11.69%. If you get a loan with a high interest rate, consider refinancing your personal loan at a lower rate once you've improved your credit score.

Prepayment penalty: None

Unsuccessful payment fee: $10

Minimum credit score: 560

Origination fee: 5.25% - 9.99%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $10

Time to fund: As soon as 1 business day after acceptance

Zable

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Rates from (APR)

12.95-30.00%

Loan term

1 - 5 years

Loan amount

Up to $35,000

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Zable: Best for short-term loans and same day funding

Zable offers relatively small loan amounts — ranging from $1,000 to $25,000 — that can be deposited in your account as soon as the same day you are approved, if it is by the lender's deadline. It’s an option for fair-credit borrowers, with a minimum credit score of 600, as well as those with lower incomes.

Its origination fees range from 5% to 9%, however, and it does not offer discounts, secured loans, nor the option to add a cosigner to your application. Zable also currently does not offer loans in 21 states.

Prepayment penalty: None

Unsuccessful payment fee: None

Minimum credit score: 600

Origination fee: 5% to 9%

Check processing fee: None

Do they allow a cosigner: No

Late fee: None

Time to fund: As soon as the same business day if approved by 3:30pm Eastern Time

LendingUSA

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Rates from (APR)

13.00-29.99%

Loan term

3, 4, or 5 years

Loan amount

Up to $50,000

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LendingUSA: Best for interest-free merchant financing

Lending USA offers funding for a wide array of products and services, and sometimes offers six-month interest-free promotions on loans made through its merchant partners. Loans made through Credible are available for debt consolidation, credit card refinancing, and home improvement, and are best for borrowers with good credit or fair credit.

Just note that you may be charged an origination fee, and loans aren’t available nationwide. If applying via Credible, you should have a minimum FICO score of 660 to qualify.

Prepayment penalty: None

Unsuccessful payment fee: Yes

Minimum credit score: 640

Origination fee: 5%

Check processing fee: None

Do they allow a cosigner: No

Late fee: Yes

Time to fund: 1-3 business days

Reach Financial

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Rates from (APR)

14.30-35.99%

Loan term

2 - 5 years

Loan amount

Up to $40,000

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Reach Financial: Best for fast funding and fair credit

Reach is an option if you have fair credit, especially if you need money fast. According to the company, 90% of Reach personal loans are funded within one day of approval.

It's a good choice for debt consolidation and credit card refinancing, but borrowers with excellent credit may not find the lowest rates with Reach. The company also charges more fees than some of its competitors and doesn't offer direct pay or autopay discounts. If you need a 7-year term loan, you'll need to look elsewhere. Reach personal loans are not available in all states.

Prepayment penalty: None

Unsuccessful payment fee: $25

Minimum credit score: 640

Origination fee: 4% to 8%

Check processing fee: None

Do they allow a cosigner: No

Late fee: $15

Time to fund: 90% funded within a day

Debt consolidation loan rates

Annual percentage rates (APRs) vary considerably from one lender to the next and from loan to loan. That’s because of the number of variables lenders consider when calculating the debt consolidation loan rate for a particular customer.

Those factors include the loan features, such as size, type and use, as well as the borrower’s financial situation. One way lenders evaluate that is by looking at your credit — both your credit report, which shows how you’ve handled credit in the past, and your credit score, which lenders use to assess how likely you are to repay your loan in the future.

In the following table, you’ll see how credit scores affect APRs on three-year and five-year fixed-rate personal loans, based on Credible’s proprietary data:

Current personal loan interest rates by credit score

How does debt consolidation work?

Debt consolidation pays off two or more existing debts with a single loan — thereby “consolidating” separate accounts, with their own balances and payments, into one loan. Consolidation leaves you with just one payment to make each month.

A debt consolidation loan can be a type of installment loan, like a personal loan or a home equity loan. You might also use a low or 0% APR credit card balance transfer offer to consolidate and refinance credit card debt.

With an installment loan, you receive a lump sum that you use to pay off your debts and then repay in monthly installments. Some personal loan lenders pay out the lump sum directly to you, while others may pay your creditors directly if you provide your existing debt balances and payment information.

Personal loans for debt consolidation

Personal loans usually have fixed interest rates, so your rate and payment stay the same for the life of the loan.

Repayment terms: Most lenders offer terms of two to seven years.
Loan amounts: Debt consolidation lenders usually require you to borrow at least $1,000, and most let you borrow up to $50,000. But some lenders offer loans up to $100,000 or more.
Interest rates: APRs for most debt consolidation loans start at less than 8% and go as high as 36%. Several factors influence your rate. A high credit score and high income relative to your debt payments help you qualify for the lowest rates.
Fees: Lenders often charge fees for issuing a loan. An origination fee is a common one, and may be between 1% and 10% of the amount you borrow. The lender deducts the origination fee from your loan amount and discloses the fee(s) on a statement required by the Truth in Lending Act. You’ll receive the statement after the lender approves your application. You’ll also see the fees reflected in the APR, which represents the total annual cost of your loan.
Funding times: The standard funding time is typically up to five days. But most lenders fund loans within one to three days after you’ve accepted your loan and met the lender’s documentation and verification requirements. A few lenders can fund loans on the same day.

Tip: Because they include upfront fees, APRs can be more useful than interest rates for comparing loans.

Learn More: How Does Debt Consolidation Work?

Pros and cons of debt consolidation

Debt consolidation loans have clear benefits for many borrowers who have two or more credit accounts. They also have some drawbacks you should consider before you apply.

Pros

You’ll have just one bill to keep track of and one payment to make each month.
The average personal loan has a lower rate than the average credit card, so you might reduce your payment amount, save on interest, and pay off your debt faster.
Opening a new line of credit while paying off existing debt decreases your credit utilization. In some cases, that quickly increases your credit score.
Debt consolidation loans usually have fixed rates, which gives you a clear timeline for paying off debt.
Making timely payments every month until your loan is fully repaid can improve your credit.
Many lenders can pay your creditors directly (and give you a discount for it).
Funding can be quick with a debt consolidation personal loan or credit card balance transfer.

Cons

If the lender does a hard credit pull, the loan application may temporarily lower your credit score.
Some loans have origination fees, which add to the cost of your loan and reduce the amount available to consolidate debt.
It can be hard to qualify for debt consolidation if you have bad credit.
Missing loan payments can damage your credit.
It may be tempting to borrow more money than you need to pay off debt.
Freeing up credit card limits by consolidating the debt leaves open the possibility that you’ll run up the cards again — which could effectively double your debt.

Learn More: Pros and Cons of Debt Consolidation

Our Impact

We're making a difference

With Credible, you can save money while enjoying a simple, intuitive personal loan shopping process.

in 2023 We helped over

69,600 people

save money on their loans

We've saved our customers

over $63 million

in interest on their loans

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Why Credible
How it works
FAQs

Calculate your savings with Credible

Use our debt consolidation calculator to see how different terms and interest rates can change what you pay over time.

1. Enter your current loan details

Remaining balance

Interest Rate

Time remaining

2. Choose a rate to compare

Our lender rates vary from 6.94% to 35.99% APR¹

Interest Rate

Loan term

3. Check the results

With an interest rate of 12.00% over 5 years, you will pay per month and in interest over the lifetime of your loan.

Total interest:

New Loan

Current Loan

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Monthly payment:

New Loan

Current Loan

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Checking rates won’t affect your credit score. Calculator results are for illustrative purposes only.

EASY, SIMPLE, FREE

Why Credible?

Shop top lenders in one easy place

Whether you want to consolidate debt or cover an unexpected expense, Credible makes it easy to find a personal loan that works best for you.

It’s your data, your decision

Checking rates on Credible is 100% free. We earn money by helping you find the best product — not by selling your data.

We’re unbiased and transparent

We don’t get paid to rank products higher, and we don’t hide fees. You’ll know exactly what your cost breakdown is before selecting a lender.

Our process

How to get a debt consolidation loan online with Credible

One simple form
We’ll ask questions to narrow down your lender and rate eligibility. Receive real rates, not estimates.
Compare rates
Shop from lenders like Discover, Upstart, SoFi, and more. Choose your lender, interest rates, and term.
Close your loan and fund your goal
If you’re approved, you’ll just need to sign your documents — then relax as the funds make their way to you.

Find My Rate

Checking rates won't affect your credit score

Benefits of a debt consolidation loan

Lower rates

Getting rid of high-interest debt can save you money on interest payments.

Improve your credit

Making on-time payments on a loan can boost your credit score.

Know when you’ll be debt free

Instead of having an open-ended term with your credit card company, a loan provides you with an end date so payoff is in sight.

For all your goals

Get a personal loan for all your financial needs

Our lender partners support personal loans for many different loan purposes. They offer low interest rates and a variety of loan amounts and loan terms to help you meet your personal and financial goals.

Debt Consolidation

Pay off high-interest debt by combining it all into a single loan and payment at a lower interest rate.

Debt Consolidation Loans

Home Improvement

Finance a home improvement project from major repairs to a remodel or addition.

Home Improvement Loans

Credit Card Refinancing

Refinance high-interest credit debt by combining it all into one loan and payment at a lower interest rate.

Credit Card Refinancing Loans

Bad Credit Loans

Loans for those who may have credit difficulties (like poor credit or a thin credit history).

Bad Credit Loans

Just need money? Get started now.

Find My Rate

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Personal Loans FAQs

Debt consolidation loan FAQs

By Meredith Mangan

Written by

Meredith Mangan

Senior editor

Meredith Mangan is a senior editor and expert on personal loans.

Reviewed by Kelly Larsen

Written by

Kelly Larsen

Editor

Kelly Larsen has been in finance for more 10 years with bylines at Auto Trends Magazine and Buy Side from WSJ.

Updated Oct 31, 2024

Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

What is a debt consolidation loan?

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A debt consolidation loan is any loan that you use to pay off multiple debts. Instead of multiple payments, you only have one payment to manage; and, ideally, the interest rate on the debt consolidation loan is lower than the net interest you paid prior to consolidating debt.

You can use a personal loan, a home equity loan, or a credit card balance transfer to consolidate debt.

Related: What Is Debt Consolidation?

How can I get a debt consolidation loan?

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You can get a debt consolidation loan from a number of personal loan lenders. Ideally, you’ll have a good credit score (a FICO score of 670 or above), sufficient income to make monthly payments, and a debt-to-income ratio (DTI) below 36%. However, since you’re not taking on new debt, you may get approved with a higher DTI.

If your credit score isn’t good, you may still be able to get approved by a lender that offers personal loans for fair credit. Borrowers with bad credit should consider applying with a cosigner or co-borrower, or using collateral to get approved.

Learn More: How To Get a Debt Consolidation Loan

What factors impact debt consolidation loan rates?

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Debt consolidation rates are impacted by a range of factors, including:

Your credit score: A higher credit score usually means a lower annual percentage rate (APR).
Your DTI: A lower DTI will help you qualify for a lower APR.
The loan amount: Higher loan amounts may have higher APRs.
The repayment term: Shorter repayment terms often have lower interest rates, but not always.
The lender: Rates differ across lenders, which is why it’s best to prequalify with multiple lenders to find the best debt consolidation loan rates.

What are the pros and cons of a debt consolidation loan?

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Pros:

Trade multiple payments for one payment.
Potentially lower your interest rate.
Potentially lower your monthly payment.
Decrease your credit utilization, in some cases, and quickly increase your credit score.
Get a clear timeline for paying off debt.
Improve your credit in the long term by making timely payments.
Many lenders can pay your creditors directly (and give you a discount for it).
Funding can be quick with a debt consolidation personal loan or credit card balance transfer.

Cons:

The loan application may temporarily lower your credit score.
Some loans have origination fees.
It can be hard to qualify for debt consolidation if you have bad credit.
It will hurt your credit if you can’t make payments.
You may be tempted to borrow more money than needed to pay off debt.
Loan approval and funding can take a month or more with a home equity loan.

How do I compare debt consolidation loans?

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When shopping for debt consolidation loans, follow these steps:

Consider how much money you need to consolidate your debt.
Prequalify with a few lenders to get a sense of the APR you’ll pay.
Use a personal loan calculator to estimate monthly payments based on that APR for different repayment periods.
Find lenders that offer the loan amount you need and the repayment term you want.
Prioritize lenders that pay your creditors directly (some will give you an interest rate discount for doing so).
Prequalify with those lenders to find the loans with the best terms and lowest APRs for you.
Seek out lenders without origination fees — an origination fee is deducted from the amount you borrow upfront and will reduce what your creditor receives.

Related: How To Compare Personal Loans

How does a debt consolidation loan affect your credit score?

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A debt consolidation loan should improve your credit score if you make timely payments and pay off the loan in full. When you first apply, you may see your score dip by a few points — but this is temporary and shouldn’t last more than a year.

If you’re consolidating credit card debt, you could quickly see an increase in your credit score once your credit cards are paid off. This is because your credit utilization will decrease as long as you keep those accounts open. If you make late payments, or fail to pay off the loan, a debt consolidation loan could hurt your credit.

Learn More: How Debt Consolidation Helps Your Credit

What are the alternatives to a debt consolidation loan?

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While a personal loan is often a great way to consolidate debt, it may be easier to qualify or get a lower rate with other options. Consider these alternatives:

Credit card balance transfer
Home equity loan
Home equity line of credit (HELOC)
Cash-out refinance (home or car)
Cash-value life insurance loan
401(k) loan
Borrow money from friends and family

Can I refinance a debt consolidation loan?

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Yes, you can refinance a personal loan used for debt consolidation, and you may be able to refinance a home equity loan or HELOC used for debt consolidation as well.

If you used a credit card balance transfer, you can’t refinance it, but you could roll the balance into a personal loan at a lower rate if you aren’t able to pay it off within the promotional APR period.

¹Personal Loans Rate and Terms Disclosure: Rates for personal loans provided by lenders on the Credible platform range between 6.94% - 35.99% APR with terms from 12 to 120 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 12%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 10.43%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32, assuming your lender deducts the origination fee from the offered loan amount. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.

Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.

²To check the rates and terms you may prequalify for, Credible conducts a soft credit pull that will not affect your credit score. If you choose a lender and continue with your application, the lender will usually conduct a hard credit pull that may impact your credit score.

Debt consolidation and credit card refinancing involve using a new loan to pay off your existing balance. This does not eliminate debt, but replaces one debt with another. While personal loan rates generally are lower than credit card interest rates, you may pay more in origination fees and interest over the life of the loan depending on other loan terms. Please consult a financial advisor to determine if refinancing or consolidating is right for you.

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