Explore our top picks for the best debt consolidation loans. Compare lenders, rates, and options to save money and pay off debt faster.

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00:00 – Benefits of consolidating your debt
00:45 – Best for Fair Credit
01:16 – Best for Approval Options
01:42 – Best for Securing the Loan
02:11 – Best Bank Consolidation Loan
02:49 – Best for Good Credit
03:20 – Best for High Debt
03:52 – Best for Consolidation Options
04:23 – Honorable Mention
04:55 – A secret about consolidating your debt
05:15 – Join our effort to save Americans $100 million a month
06:03 – Like and subscribe

Our Picks for Best Debt Consolidation Loans
Consolidating debt can be one of the smartest financial moves you make—if done correctly. By rolling multiple high-interest debts like credit cards, medical bills, or personal loans into a single loan with a lower interest rate, you can save money, simplify payments, and pay off debt faster. While it may feel like “trading one debt for another,” the key benefits are securing a lower APR, choosing a manageable repayment term, and staying disciplined with your payoff strategy.
Not all lenders are equal, and not every debt consolidation company delivers on its promises. We’ve researched nearly 100 lenders to find the best consolidation loan providers across different borrower needs.

Best Debt Consolidation Loan Providers

Best for Fair Credit: LendingClub
LendingClub is a trusted name in the personal loan industry. With APRs starting as low as 7.04%, they may approve borrowers with credit scores as low as 600. Lending amounts start at $1,000, making them ideal for tackling smaller credit card balances before they spiral out of control.

Best for Approval Options: Achieve
Achieve is a strong choice for borrowers with less-than-perfect credit. They focus on loans above $5,000 and provide flexible approval tools, such as adding a co-borrower or using home equity as collateral. These options can significantly improve your chances of approval.

Best for Secured Options: Best Egg
Best Egg offers APRs from 6.99% to 35.99% with loans between $2,000 and $50,000. Unique to Best Egg, you can secure a loan with fixtures in your home rather than the home itself, offering a balance between unsecured and fully secured lending.

Best Bank Option: Citi
Unlike many banks, Citi will pay creditors directly, ensuring your consolidation is seamless. With no origination, late, or NSF fees and APRs from 7.99% to 19.49%, they’re one of the most competitive bank lenders. Expect to need a credit score above 670 for approval.

Best for Good Credit: Happy Money
Happy Money partners with credit unions to offer their “Payoff Loan,” designed specifically for credit card debt. With APRs ranging 7.85% to 29.99% and loan amounts from $5,000 to $40,000, they provide strong offers to borrowers with Good to Excellent credit.

Best for Large Balances: SoFi
If you’re consolidating a heavy debt load, SoFi is an excellent pick. They lend from $5,000 to $100,000 and provide multiple repayment options, often with no origination fees. For maximum savings, choose the shortest loan term you can comfortably afford.

Best for Flexible Consolidation: Discover
Known for credit cards, Discover also offers personal loans and a 0% balance transfer APR for 15 months. If you aggressively pay off your debt during the promotional window, this option can save you thousands in interest.

Honorable Mention: Upgrade
Upgrade lends from $1,000 to $50,000 with APRs between 8.49% and 35.99%. They accept credit scores as low as 620 and offer secured loan options, making them a flexible choice for average borrowers.

The Secret to Smart Debt Consolidation
Debt consolidation is only worth it if you secure a lower interest rate, a shorter repayment term, or both. Otherwise, you’re just shuffling debt around.

At The Yukon Project, our mission is to help Americans save $100 million a month on loan interest. Our marketplace makes comparison easy: apply once, and we’ll check rates with up to 40 lenders using a soft credit check—meaning no impact on your score. You’ll see approved offers side by side so you can pick the best fit.

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