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BEST OF
Best Debt Consolidation Companies of 2025
Compare major providers and find the best debt consolidation company for your needs.
Updated as of 7/15/2025
Debt consolidation allows you to combine numerous debt obligations into one and streamlines the repayment process for credit cards, loans, and other bills. Debt consolidation usually includes lower monthly payments and a repayment plan that saves money and resolves debt faster than you could on your own.
Why trust Trusted Company Reviews
- 5 Debt Consolidation Companies reviewed and scored by our team of experts.
- Industry experts covering and reviewing personal financial topics.
- Comprehensive review rating system.
- We work closely with consumers and experts to create editorial ratings.
Our process aggregates a company or product’s market share, reputation, service, values, consumer interest, pricing, fees and features to generate a fair rating and comprehensive review. Some of our Trusted Experts who write reviews have appeared in U.S. News & World Report, Forbes, Angi.com and many other publications.
Trusted Company Reviews #1 Pick for 2025
Top Debt Consolidation Company
Top DebtConsolidation Company
Accredited™ has helped their clients pay off over $2 billion in debt. They can lower your monthly payment by 40% or more, can offer a customized plan to tackle your debt, and don’t require a minimum credit score. Click See Plans to see if you qualify.
Our Highest Rated Debt Consolidation Companies
1
- TCR Editor’s #1 Pick
- Lower Monthly Payment
- No Credit Score Required
- Loan Options Available
- A+ Rating with BBB
2
- Compare Rates for Free
- Loans up to $200,000
- Receive funds as soon as tomorrow*
3
- Minimum Credit Score: 600
- Soft Credit Check To Pre-Qualify
- Home Equity Credit Options Available
4
- Loans Funded In One Week
- Get A Lower Rate With A Co-Borrower
- 2-7 years term and $1,000- $40,000
Via Credible.com’s Website
5
- No Minimum Credit Score
- Soft Credit Check To Pre-Qualify
- Get Funding In One Day
Top Pick for July 2025
- TCR Editor’s #1 Pick
- Lower Monthly Payment
- No Credit Score Required
- Loan Options Available
- A+ Rating with BBB
EDITOR’S TAKE
- Compare Rates for Free
- Loans up to $200,000
- Receive funds as soon as tomorrow*
EDITOR’S TAKE
- Minimum Credit Score: 600
- Soft Credit Check To Pre-Qualify
- Home Equity Credit Options Available
EDITOR’S TAKE
- Loans Funded In One Week
- Get A Lower Rate With A Co-Borrower
- 3- 5 years term and $1,000- $40,000
EDITOR’S TAKE
- No Minimum Credit Score
- Soft Credit Check To Pre-Qualify
- Get Funding In One Day
EDITOR’S TAKE
But Is Debt Consolidation Right for Me?
If you struggle to keep up with your debts, consolidation could make the repayment process less overwhelming.
Debt consolidation is a straightforward process that is easy to follow and complete when you work with a trusted company.
One of our top rated companies could be right for you if you would benefit from low-stress monthly payments, a manageable repayment timeline, and substantial savings on the overall amount of debt repaid.
Low-Stress, Monthly Payments
Merging your debts reduces the number of payments, due dates, and account logins you have to remember. Less to manage every month will lower your stress levels.
A Manageable Timeline
Most debt consolidation programs create a custom payment plan with a target payoff date. Seeing your progress as you move toward the finish line will motivate you to keep going.
Reduced Interest and Fees
The best debt consolidation companies will help you resolve your debt for a lower interest rate. You can save on monthly payments and avoid costly fees.
Check your consolidation options
- See your options at our top pick, Accredited™
- Checking will not impact your credit score
Our #1 pick for July 2025: Accredited™
Frequently Asked Questions (FAQs)
How does debt consolidation work?
Debt consolidation involves combining multiple payments into one with a potentially lower interest rate and a lower monthly payment. The process can reduce the number of payments you need to manage and may reduce the total interest and length of time you pay on your unsecured debts.
How to choose a debt consolidation company?
Choose a company with excellent ratings and a solid history. Many companies offer an online pre-qualification process, which means you can check out what they have to offer before committing to any of them.
Should you get a debt consolidation plan?
Accredited™ Pros & Cons
- Free consultation and savings estimate
- No credit score required
- A+ BBB rating
- Not available in every state
Understanding Loan Rates
- Credible – Rates for personal loans provided by Credible range from 6.49% to 35.99% APR with repayment terms from 12 to 120 months.
- LendingTree – Rates for personal loans provided by Lending Tree range from 5.99% to 35.99% APR with repayment terms from 12 to 120 months.
- LendingClub – Rates for personal loans provided by LendingClub range from 7.90% to 35.99% APR with repayment terms from 24 to 84 months.
- Upstart – Rates for personal loans provided by Upstart range from 7.8% to 35.99% APR with repayment terms from 36 to 60 months.
Personal loan offers provided from the lenders on this page will have a rate no higher than 35.99%, with repayment terms ranging from 12 to 120 months. Actual rate depends on credit score, loan term, and other factors. Please visit the lender’s website for a representative example of the total cost of the loan, including all applicable fees.
A representative loan example: For a $10,000 personal loan with a 36 month repayment term, 18.49% APR (including a 5% origination fee), you would receive $9,500 and your required monthly payments would be $346.65. Over the life of the loan, you would pay back a total of $12,479.52. The APR for your loan may be higher or lower than this amount. Actual rate depends on credit score, loan term, and other factors. Please visit the lender’s website for a representative example of the total cost of the loan, including all applicable fees.
Consolidate to a single, lower payment
Get a free savings quote in 2 minutes
Accredited™ Pros & Cons
- Free consultation and savings estimate
- No credit score required
- A+ BBB rating
- Not available in every state
Get a free savings quote in 2 minutes