We compared the top-rated debt consolidation companies to help you find the best option for reducing and managing your debt. The right company can help you save thousands and become debt-free faster.
- A+ BBB rating & 4.9/5 rating on Trustpilot
- See plans with no credit impact
- Free savings estimate in minutes
Accredited has helped their clients pay off over $3 billion in debt. They can lower your monthly payment by 40% or more and can offer a customized plan to tackle your debt.
Ranked: Highest Rated Debt Consolidation Companies
- Lower monthly payments by 40% or more
- See plans with no credit impact
- Loans options available
- A+ BBB rating & 4.9/5 rating on Trustpilot
- Compare rates for free
- Loans up to $250,000
- Receive funds as soon as tomorrow*
- Minimum credit score: 600
- Soft credit check to pre-qualify
- Home equity credit options available
- Loans funded in one week
- Get a lower rate with a co-borrower
- 2–7 years term and $1,000–$40,000
Is Debt Consolidation Right for You?
If you're feeling overwhelmed with credit card debt, debt consolidation offers a powerful solution to help. Consolidation replaces the stress of multiple high-interest bills with one clear, lower-cost path to zero.
See how much Accredited can save you
How Do They Compare?
See how our top 3 highest rated companies stack up side by side.
| Company | Best For Debt Consolidation | Offer Loan Options | No Minimum Credit Score | A+ BBB Rating | Editor's Top Pick |
|---|---|---|---|---|---|
|
|
|||||
|
|
|||||
|
|
Frequently Asked Questions
Everything you need to know about debt consolidation before getting started.
What is debt consolidation?
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.
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.
Is debt consolidation worth it?
A top debt consolidation company can create a personalized payment plan that simplifies multiple monthly payments into a single, manageable payment, helping you save both money and stress.
How long does it take to get approved?
Most debt consolidation companies offer a completely free, no-commitment savings estimate plan to help you decide. If you’re considering debt consolidation but are unsure of the rates you might qualify for, a 2-minute non-obligation prequalification process can help you find the best plan for your situation.
Ready to Take Control
of Your Debt?
Disclaimers & Loan Information
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 84 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 7.04% to 35.99% APR with repayment terms from 24 to 60 months.
- Upgrade – Rates for personal loans provided by Upgrade range from 7.74% – 35.99% APR with repayment terms from 24 to 84 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.
*Loans typically fund between one and five business days depending on the lending partner and your application.
Advertiser Disclosure
TrustedCompanyReviews.com (TCR) accepts advertising compensation from affiliate partners that we review and feature on our site, which impacts the location and order in which products, services and companies are presented, and also impacts the score that is assigned to it. The reviews, rankings, and product information of affiliates constitute advertising. TCR is not paid to publish content and does not permit its affiliates, or any third party, to control or otherwise approve any of its content. Company listings on this page DO NOT imply endorsement. TCR does not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, that appears on this site is subject to change at any time.
How We Calculate Rating
Ratings on Trusted Company Reviews are given by experts in that particular industry. Our experts monitor the brand closely and then give the brand a rating which you can trust.
Our rating score is based on 10 Points and a Five-Star shown alongside the score to easily understand the rating.
We frequently update the ratings of all brands so that you don’t choose a brand by their old ratings.
You Could Save Thousands on Your Debt
Accredited has helped over 1 million clients resolve $3B+ in debt. See your personalized savings.
Free & takes 2 minutes