Find the Best Debt Consolidation Loans

Compare top-rated lenders and save thousands.

9.7

EXCELLENT

Our Score

Lendwyse

Best Overall

Soft-pull rate check — no impact to credit score
No origination fee on most offers
Direct creditor pay-off available

Why we love it

Lowest blended APR in our 2026 review with the most flexible terms.

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On Lendwyse's website

Swift Financial Network

Best for Fast Funding

Fastest funding in our review
Loans up to $100,000
Broad lender network — high approval odds

9.4

VERY GOOD

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On Swift's website

Simple Debt Solutions

Best for Bad Credit

Accepts FICO scores as low as 580
Co-signer and secured-loan options
Free hardship consultation included

9.1

VERY GOOD

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On Simple Debt's website

True American Loan

Best for Comparing Multiple Offers

Compare multiple consolidation loan offers in one place
Soft credit check — no impact to your score to see rates
Wide credit-band acceptance from fair to excellent

8.9

GREAT

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On True American's website

Trusted & Reviewed

Every lender is researched and scored by our experts.

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Safe, secure, and no impact to your credit score.

Always Updated

Our rankings are updated regularly for accuracy.

We may earn a commission when you're approved through our links. This doesn't affect our rankings. APRs shown are advertised ranges, not personalized offers.

How we rank

No lender pays for ranking. We score every company across four weighted pillars, refreshed monthly.

APR transparency

30%

Published rate ranges, origination fees, and the share of borrowers who actually qualify for advertised rates.

Funding speed

25%

Time-to-funds from application to deposit, measured against marketing claims.

Borrower fit

25%

Minimum FICO, DTI flexibility, and the lender's stated approval criteria.

Service quality

20%

BBB profile, Trustpilot signal, complaint resolution, and direct-creditor payoff workflows.