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Personal Loans to Consolidate Debt

Easily consolidate your debt into one low-interest monthly payment.

  • Rates from 6.94% APR1
  • Loan amounts from $1,000 to $200,000
  • Check rates from multiple lenders in just 2 minutes
  • Checking rates won't impact your credit score

 

Checking rates won't affect your credit score

Compare rates on personal loans to consolidate debt in December 2024

Advertiser Disclosure
The rates that appear are from companies which Credible receives compensation. This compensation does not impact how or where products appear within the table. The rates and information shown do not include all financial service providers or all of the displayed lender's available services and product offerings.
Filters$20,000 loan amount and 700-749 credit score, ordered by APR
Filters$20,000 loan amount and 700-749 credit score, ordered by APR
Happy Money
Happy Money

Rates from (APR)

8.95-17.48%

Loan term

2 - 5 years

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SoFi
SoFi

Rates from (APR)

8.99-29.99%3

Loan term

2 - 7 years

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Prosper
Prosper

Rates from (APR)

8.99-35.99%

Loan term

2 - 5 years

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Avant
Avant

Rates from (APR)

9.95-35.99%

Loan term

2 - 5 years

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RepriseFinancial
RepriseFinancial

Rates from (APR)

9.99-35.99%

Loan term

3-5 years

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Upgrade
Upgrade

Rates from (APR)

9.99-35.99%

Loan term

2 - 7 years

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Citibank
Citibank

Rates from (APR)

11.49-20.49%7

Loan term

1 - 5 years

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Universal credit
Universal credit

Rates from (APR)

11.69-35.99%

Loan term

3, 5, or 7 years

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Zable
Zable

Rates from (APR)

12.95-30.00%

Loan term

1 - 5 years

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LendingUSA
LendingUSA

Rates from (APR)

13.00-29.99%

Loan term

3, 4, or 5 years

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Reach
Reach

Rates from (APR)

14.30-35.99%

Loan term

2 - 5 years

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Our Impact

We're making a difference

With Credible, you can save money while enjoying a simple, intuitive personal loan shopping process.

in 2023 We helped over

69,600 people

save money on their loans

We've saved our customers

over $63 million

in interest on their loans

Calculate your savings with Credible

Use our debt consolidation calculator to see how different terms and interest rates can change what you pay over time.

1. Enter your current loan details

%

2. Choose a rate to compare

Our lender rates vary from 6.94% to 35.99% APR1

%

3. Check the results

With an interest rate of 12.00% over 5 years, you will pay per month and in interest over the lifetime of your loan.

Total interest:

New Loan

Current Loan

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Monthly payment:

New Loan

Current Loan

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Checking rates won’t affect your credit score. Calculator results are for illustrative purposes only.

EASY, SIMPLE, FREE

Why Credible?

Shop top lenders in one easy place

Whether you want to consolidate debt or cover an unexpected expense, Credible makes it easy to find a personal loan that works best for you.

It’s your data, your decision

Checking rates on Credible is 100% free. We earn money by helping you find the best product — not by selling your data.

We’re unbiased and transparent

We don’t get paid to rank products higher, and we don’t hide fees. You’ll know exactly what your cost breakdown is before selecting a lender.

Our process

How to get a debt consolidation loan online with Credible

  • One simple form

    We’ll ask questions to narrow down your lender and rate eligibility. Receive real rates, not estimates.

  • Compare rates

    Shop from lenders like Discover, Upstart, SoFi, and more. Choose your lender, interest rates, and term.

  • Close your loan and fund your goal

    If you’re approved, you’ll just need to sign your documents — then relax as the funds make their way to you.

Checking rates won't affect your credit score

Why Trust Credible

Through its marketplace, Credible helps you shop around for personal loans without cost or commitment. We earn money when we help you find the best product, not by selling your data. The blog content we create is deeply researched to help you make an informed decision that’s right for you — our partner lenders have no editorial control over the articles we publish. 

Benefits of a debt consolidation loan

Benefit

Lower rates

Getting rid of high-interest debt can save you money on interest payments.

Benefit

Improve your credit

Making on-time payments on a loan can boost your credit score.

Benefit

Know when you’ll be debt free

Instead of having an open-ended term with your credit card company, a loan provides you with an end date so payoff is in sight.

For all your goals

Get a personal loan for all your financial needs

Our lender partners support personal loans for many different loan purposes. They offer low interest rates and a variety of loan amounts and loan terms to help you meet your personal and financial goals.

Loan goals

Debt Consolidation

Pay off high-interest debt by combining it all into a single loan and payment at a lower interest rate.
Debt Consolidation Loans
Loan goals

Home Improvement

Finance a home improvement project from major repairs to a remodel or addition.
Home Improvement Loans
Loan goals

Credit Card Refinancing

Refinance high-interest credit debt by combining it all into one loan and payment at a lower interest rate.
Credit Card Refinancing Loans
Loan goals

Bad Credit Loans

Loans for those who may have credit difficulties (like poor credit or a thin credit history).
Bad Credit Loans
Loan goals

Auto Loans

In the market for a car? Compare auto loans from multiple lenders in just two minutes.
Auto Loans

Just need money? Get started now.

Checking rates won’t affect your credit score

Personal Loans FAQs

Debt consolidation loan FAQs

By Meredith Mangan

Written by

Meredith Mangan

Senior editor, Fox Money

Meredith Mangan is a senior editor at Fox Money and expert on personal loans.

Reviewed by Kelly Larsen

Written by

Kelly Larsen

Editor, Fox Money

Kelly Larsen has been in finance for more 10 years with bylines at Auto Trends Magazine and Buy Side from WSJ.

Updated Oct 31, 2024

Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

What is a debt consolidation loan?

How can I get a debt consolidation loan?

What factors impact debt consolidation loan rates?

What are the pros and cons of a debt consolidation loan?

How do I compare debt consolidation loans?

How does a debt consolidation loan affect your credit score?

What are the alternatives to a debt consolidation loan?

Can I refinance a debt consolidation loan?