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Best Consolidation and Loan Options of 2024

Compare major providers and find the best debt consolidation company for your needs.

Deane Biermeier

Updated as of 7/21/2024

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, and many other publications.

Why we love it 💖

Accredited™ is more than just a highly-rated debt consolidation organization; it can potentially be a game-changer in your financial journey. The company not only helps you consolidate debt to a lower payment, but it could also help reduce the total amount of debt owed.

Our Highest Rated Debt Consolidation Companies

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Our Top Pick
9.8 Excellent

Editor Top Pick Badge
  • TCR Editor’s #1 Pick
  • Lower Monthly Payment
  • No Credit Score Required
  • Loan Options Available
  • A+ Rating with BBB
Credible Logo


9.2 Great

  • Compare Rates for Free
  • Loans up to $200,000
  • Receive funds as soon as tomorrow*
LendingTree Logo


NMLS #1136
8.4 Very Good

  • Minimum Credit Score: 600
  • Soft Credit Check To Pre-Qualify
  • Home Equity Credit Options Available
Lending Club logo


7.8 Good

  • Loans Funded In One Week
  • Get A Lower Rate With A Co-Borrower
  • 3- 5 years term and $1,000- $40,000

Via’s Website

upstart logo


7.4 Good

  • No Minimum Credit Score
  • Soft Credit Check To Pre-Qualify
  • Get Funding In One Day

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.

Understanding Loan Rates

  1. Credible – Rates for personal loans provided by Credible range from 6.40% to 35.99% APR with repayment terms from 12 to 84 months.
  2. 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.
  3. LendingClub – Rates for personal loans provided by LendingClub range from 9.57% to 35.99% APR with repayment terms from 24 to 60 months.
  4. 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 36 to 72 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.
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