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BEST OF
Best Debt Consolidation Companies of 2026
Compare major providers and find the best debt consolidation company for your needs.
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.
Trusted Company Reviews #1 Pick for 2026
RANKED #1 FOR REDUCING MONTHLY PAYMENTSWhy we love it 💖
Accredited™ has helped their clients pay off over $3 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
- TCR Editor’s #1 Pick
- Lower Monthly Payment
- No Credit Score Required
- Loan Options Available
- A+ Rating with BBB
- 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-$75,000
Via Credible.com’s Website
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.
Frequently Asked Questions (FAQs)
Understanding Loan Rates
- Credible – Rates for personal loans provided by Credible range from 5.74% 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.
- Happen Bank – Rates for personal loans provided by Happen Bank range from 6.53% to 35.99% APR, with repayment terms from 24 to 84 months.
- Upstart – Rates for personal loans provided by Upstart range from 6.2% – 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.
