Best Debt Consolidation Loan Testimonials

Great for Credit with Excellent Scores LightStream


  • No fees are associated with loans, loan origination, late payments, or prepayment.
  • It may offer lower rates than rivals under certain conditions.
  • 0.50 Discount on the rate for the setting up of Autopay
  • The term ranges from two to twelve years


  • Doesn’t provide loan pre-approvals
  • Don’t take loan requests by fax or phone
  • Discount on Autopay is only offered before the loan is disbursed.

We picked it because Lightstream is our preferred option for large loans due to its maximum of $100,000 and flexible repayment terms ranging from 2 to 12 years.

LightStream provides personal loans of up to $100,000 per year at a rate (APR) ranging from 7.99% up to 23.99%, with its Autopay discount. The terms of the loan range between 2 and 12 years. This is the most extended range of the firms we reviewed.

It is possible to check the payment terms alternatives by entering the wanted loan amount in their calculator for loan consolidation. Be aware that this calculator offers a general estimate based on the desired amount of loan and the lowest interest rate possible. If your credit score is less than excellent, you’ll likely not qualify for this low-interest rate.

Through its Rate Beat Program, Lightstream will offer an interest rate of .10 percent lower than the rate of competitors; however, only if you have already been accepted for the cheaper rate. It means you’ll be able to get both loans and receive the lower rate in other places.

Lightstream can be an excellent choice for those with great credit who require substantial credit. Lightstream needs good to excellent credit, a solid credit score, a variety of open accounts, such as car loans, credit cards, savings accounts, or other liquid assets, and a steady and stable income.

The company doesn’t charge costs or penalties for early repayment of their loans. However, if the client is dissatisfied with their experience in the initial 30 days, they may contact customer support and get a form to fill out. Once Lightstream examines the problem, it will offer the borrower the amount of $100 in compensation.

Best of No-Fees: SoFi


  • Unemployment protection
  • Pays lenders directly
  • Accepts co-applicants
  • If you do not pay the creditor directly, the loan will be paid out within 1 or 2 working days.


  • The 3-7 year period isn’t as broad as the competitors.
  • This isn’t accessible to Mississippi residents.
  • Co-applicants must reside at the same address as the primary borrower.

We picked it because SoFi’s consolidation loans do not charge origination, prepayment, or late payment fees. Additionally, they provide various ways to receive discount rates on their rates.

SoFi is a personal loan provider offering interest rates beginning at 7.99 percent APR (with autopay discount) and not charging additional costs or prepayment penalties. They also provide online prequalification that includes the option of a soft credit pull and fixed rates throughout the credit term.

SoFi sets its rates at 23.43 percent APR, which includes the Autopay discount. If the customer chooses not to use the Autopay choice, rates are 0.25 percent more.

It will approve most personal loans on the day they are approved (unless the loan amount is more significant than $20,000. Next, the applicant enrolls in Direct Pay, which pays lenders directly while the borrower doesn’t receive funds. (Note that customers who sign up with Direct Pay receive an additional 0.25 APR discount of 0.25 percent on their rate for loans.)

Through their unemployment Protection feature, SoFi can provide short-term payment modifications and assistance locating a job If a loanee were to be laid off. The benefit can be availed in 3-month increments, with a maximum of twelve months. It is important to note that interest rates will be accruing throughout this time. They must be eligible for government unemployment benefits and be active with SoFi’s Career Advisory Group as part of their job hunt.

The SoFi mobile app, accessible on iOS and Android, offers customers 24 hours a day access to their loans, savings and checking accounts, investments, and additional banking services.

Even though its competition is offering higher payment rates However, SoFi’s additional banking offerings, its affluent customer service, and extensive mobile apps are fantastic options for anyone who is looking for a low-cost loan that can be easily and quickly paid over that seven-year maximum timeframe.

Ideal for smaller debts. Best for Small Debts: PenFed


  • Check the status of your application and apply online
  • Accepts co-borrowers
  • There is no origination fee, prepayment fee, or penalty


  • You must have a credit union membership to be able to disburse funds.
  • Discount on Autopay is not offered.

We chose HTML0 because PenFed’s minimum $600 total loan, excellent customer service, and lower interest rate make it the most suitable alternative for debts less than $1,000.

Pentagon Federal Credit Union, called PenFed, offers fixed interest rates that start at 7.74 APR and offers durations of up to 60 months for credit consolidation loans. Those looking for a smaller amount of Money will be happy to learn that they have a minimum amount of $600 that you can apply to.

Becoming a PenFed member is unnecessary to view the rates or get pre-approved. But, if you want to apply to borrow Money, you’ll have to be an active member of a credit union. PenFed opens an account for savings in your name and is preloaded with $5 to begin your membership. Once the loan is approved, it is paid in 1-2 working days.

PenFed does not charge origination fees or late payment charges. However, it will set a late fee of $29 for anyone who makes a payment more than five calendar days after the due date.

PenFed has a mobile application available for iOS and Android users who can view the status of their loans, make payments on loans, and transfer Money to other accounts.

Ideal for Comparing Lenders: Fiona


  • It works with all types of credit
  • Application online and calculator for loans
  • Partnership with TransUnion to offer credit scores
  • A few lenders will provide personal loans that can be as high as $250,000


  • The requirements for credit are based on the chosen company
  • A few of the lenders be charged an origination charge which can amount to up to 6.6% of the amount borrowed

The reason we picked it: The Fiona marketplace lets borrowers browse and review a variety of lenders by using various search criteria such as credit score and geographical location.

Fiona provides personal loans for debt consolidation through various lending partners and is available for every type of credit, from low to reasonable. They partner with well-known firms like LendingClub, SoFi, Avant, and Marcus by Goldman Sachs.

In contrast to most lenders listed on this list, a few of Fiona’s lending partners offer secured personal loans to consolidate debt. Secured loans require property or other assets that can be used to ensure credit. Car titles, stocks investment, the equity of the life insurance policy, property as well as precious metals are just a few of the assets and properties that Fiona’s partner accepts as collateral in a secured personal loan. However, be aware should you fail to repay fast loans and the lender was able to make the collateral available for sale to pay the loan amount.

In addition to other loan options, Refinancing is available for secured and unsecured loans, including student loans, auto, and mortgage refinancing.

Because Fiona isn’t a lender as such but instead an online marketplace, the fees are contingent on the lender to which you’re in a match. So make careful to study all the fine print in your application.

The best option for credit Card Indebtedness: Explore


  • Pays lenders directly
  • The same-day approval
  • It is possible to return the loan amount within 30 days
  • It is possible to apply online or over the telephone


  • The minimum annual household income of $25,000
  • The late payment fee is 39 dollars for late payment.
  • The funds cannot be used to make payments on secured loans or credit card

We chose it for the following reasons: Discover has some of the most affordable interest rates on debt consolidation. Numerous options to choose from aside from loans. It also has a unique 30-day money-back guarantee should you require to pay back the cash.

Discover does not charge charges for origination or fees for prepayment. The personal credit rates vary from 6.99%-24.99 APR—some of the lowest APRs you can find.

Discover offers instant approval on the spot in most instances, and the loan funds can be deposited in the savings account or checking account in 1-2 working days. If the customer isn’t pleased with their experience or can return the funds quickly and without the cost of interest, they can refund the money within thirty days.

Although there is no minimum FICO score, Discover requires a minimum of $25,000 annual income. It and other lenders assess the debt-to-income ratio, credit score, applications, and payment period.

Clients have access to 24 hours a day customer support via phone and through the Discover mobile application for iOS and Android. Customers can also review the status of their FICO score, log into their account at the bank to make payments, and view balances on the application.

The recommended option for Fair and Excellent credit: Marcus from Goldman Sachs


  • 0.25 APR discount of.25 Autopay
  • It is possible to defer the month following 12 payments on time
  • Directly pays creditors
  • First in 2022 U.S. Consumer Satisfaction with Lending Study conducted by J.D. Power


  • The loan is paid out within five days of approval.
  • Not suitable for smaller debt

We picked it because Marcus by Goldman Sachs is the most highly rated lender in 2022’s J.D. Power Customer Satisfaction Study, offering some of the lowest interest rates.

Marcus By Goldman Sachs ranked #1 among personal loan providers in the 2022 U.S. Consumer Lending Satisfaction Study from J.D. Power. Power offers loans from $3,500 up to $40,000 and Fixed APRs starting at the very minimal 6.99 percent to 24.99 percent. In addition, prospective borrowers can get custom loan addition; prospective borrowers can be pre-approved in under 10 minutes.

Marcus credit cards for debt consolidation come with a variety of beneficial benefits. Initially, Marcus will pay up to 10 creditors without any charges. The company also rewards customers who are punctual in their payments by giving a deferral option to people who have made 12 consecutive timely payments. (Note that while the deferred month won’t earn any interest, the loan may extend after the expiration of the period and earn interest. But it will allow you to repay the loan before the added month and pay off the interest costs.)

Marcus does not charge any early, late, or origination charges on the personal loan. However, incomplete, late payment or non-payment could cause a default in the Installment Loan agreement.

One drawback is that Marcus may take up to five business days before he can fund the loan. That’s somewhat slow compared to other lenders who can settle in just 1-2 business days.

Are you overwhelmed with your debt? National Debt Relief can help you consolidate your debt. Avoid battling debt by taking advantage of the National Debt Relief. 

We also considered other lenders.

To create our top list, we looked over several credit card lenders for debt consolidation and picked the ones with low-interest rates, excellent customer support, and a wide range of loan conditions. The companies listed below didn’t appearUnfortunately, they are the best in those areas. However, they could make a great fit with your specific needs.

National Debt Relief


  • Offers debt management services
  • Consultation is free
  • Meets with creditors to negotiate a solution for the client’s outstanding debt
  • Online quote


  • It is not a loan originator
  • Only work with clients who are in the minimum of $7,500 loans
  • The fee ranges from 15 to 25 percent of the amount owed

It wasn’t on our list of top choices: National Debt Relief was not on our complete list since it’s not a lender but a debt consolidation business or management company.

National Debt Relief services include alternatives for consolidating loans, counseling for credit, and bankruptcy recommendations. Applicants need to possess a minimum of 10,000 in unsecured debt for eligibility. National Debt Relief also charges fees of at least 15% of the client’s total debt.

Happy Money


  • A loan for the payoff that is flexible in rate, terms, and payments
  • Interest rates start at 8.99%
  • Directly pay creditors directly


  • The loan starts at $5,000.
  • The origination fee is 0% to 5 percentage of the credit amount
  • Approval is granted in 5-7 business days.

What made it not into our top list: Happy Money charges an origination charge, and the process takes longer than other leading lenders.

Happy Money works with credit unions to offer lower interest rates and the lowest minimum credit score requirements. Happy Money does not charge fees for application, prepayment, or late fees. It requires an origination charge of up to 5 percent of your borrowed amount. Getting approval for a loan can last up to seven working days. It could take approximately two weeks if you opt to make payments directly to creditors and receive funds.

Best Egg


  • The approval process takes only minutes
  • APR ranging from 8.99%-35.99 percent
  • The funds will be available within 24 hours of the approval
  • Calculator for personal loans


  • The origination fee is 0.99-5.99 percent of the loan amount.
  • A loan’s origination charge for four years or more is not less than 4.99 percent.

It wasn’t on our list of top choices: Best Egg offers personal credit from $2,000 to $50,000 and an APR as high as 35.99 percent. They have an online application and options for debt consolidation and refinancing credit cards. The company isn’t included in our top listing due to its high charge for origination and the lack of data on its site regarding loan terms, conditions, and directions. To qualify for the lowest cost, Best Egg requires a minimum score of 700 FICO and an income minimum of $100,000.

Lending Club


  • Flexible loan options for customizing
  • Accepts co-borrowers
  • 15 days grace period following the date of due to pay without penalty
  • Directly pay creditors.


  • The origination charge is 2% to 6% of the amount determined by the creditworthiness.
  • The late payment penalty

What it is that it did not make our list of top choices: This company didn’t figure to our complete list due to its steep initial fees, late payment charges, and high rate of interest.

Lending Club, a marketplace to consolidate debt, has an online application without charges for application or penalties for prepayment. Lending Club offers personal loans between $1,000 and $40,000 with an APR of up to 35.89 percent.

OneMain Financial


  • Debt consolidation calculator
  • Brick-and-mortar locations
  • Counseling with a loan specialist


  • APR ranging from 18%-35.99 percent
  • Fees for late payments are typically 1.5-15 percent of the loan amount.
  • The origination fee ranges from 1-5 percent of the loan value

The reason it wasn’t in our top choices: OneMain Financial wasn’t among our top picks due to the severity of the fees and interest rates that are much more expensive than its competitors.

OneMain Financial offers online and branch-based banking in person and has branches across 44 states. They offer secured and unsecured credit cards for debt consolidation ranging from $1500 to $20,000 with 24- 60 months terms. To obtain a lower interest rate on large loans, OneMain requires collateral.



  • One day after approval
  • No prepayment penalty
  • Avant mobile app available for iOS as well as Android


  • An administration fee of up to 4.75 percent
  • APRs range from 9.95%-35.99 percent
  • No Autopay discount is available.

Reasons it didn’t make our top list: This lender didn’t appear on our list due to the high rates of interest and origination costs, and it doesn’t offer discounts to reduce these costs.

Avant gives personal loans at APRs beginning at 9.95 percent. Avant includes loan pre-approval, Autopay, and an app that lets customers manage their loans. Customers can contact customer service. In addition, customers email or telephone.



  • From $1,000 to $50,000 in loans
  • No prepayment penalty
  • Find the best rate on a loan online


  • Three and five-year terms.
  • High origination cost

Its reason for not making our list of top choices: While Upstart ranks high in satisfaction with customers, the high origination cost and lack of variety in terms of payment (3-5 years) made it not make our top choices.

Upstart’s loans for debt consolidation can range from $2,000 to $5,000. The potential borrowers may get pre-approval approval using a gentle credit report that will not affect the credit rating. The majority of loans are paid on the same day following the approval. The Upstart APR ranges between 6.50%-35.99 percent.



  • Application online
  • The same-day approval
  • Funding for loans can take one to three business days following the approval.


  • It is not suitable for loans with smaller amounts.
  • A fee for the origination of 1.99%-7.99 percent

It wasn’t one of our top five picks: FreedomPlus’s minimum loan amount is $5,500 and has an expensive origination cost, and was left off our list of top choices.

Freedom Plus offers personal loans to help consolidate debt. They offer instant approval and payments between 1 to 3 business days after acceptance of the loan deal. FreedomPlus is not on our top list due, however, o the high cost of origination and its limited term that ranges from 2 to 5 years.

The Debt Consolidation Loans Guide

The debt consolidation loan can aid you in managing your debts more efficiently and, in some instances, may even be able to pay them off more quickly. Please learn more about how these loans work, how to apply for them, and alternative options for managing debt.

What exactly is a debt consolidation loan?

A credit consolidation loan is a personal loan designed to settle a high-interest debt, making it simpler to pay off and faster. The most effective debt consolidation loans provide fewer APRs over other credit or loans and can lead to huge savings for those who take out the loan.

There are a variety of debt consolidation alternatives:

  • A personal loan is a general unsecured loan used to settle current debts, fund the purchase of a large amount, pay medical expenses, or pay for home renovations or improvements. To get a more in-depth understanding of the different types of loans, go through Money’s recommendations to find the best personal loans.
  • The balance transfer is when the debt on a credit card is transferred to a credit card having lesser interest rates.
  • Mortgages based on equity and line of credit for home equity let the borrower take out funds using their home equity. These loans can be tax-deductible when utilized for improvements to your home.

What are the best debt consolidation loans? Function?

If you apply for an unsecured debt consolidation loan, it’s an additional, bigger loan to settle a series of smaller loans. If accepted for this kind of loan, your money will typically be disbursed within two to three working days. It is possible to utilize the cash to pay your creditors or, in some cases, let the lender settle your creditors on your behalf.

Consolidation loans for debt can simplify your financial management since there is only one deadline to track and only one installment to pay. In addition, if the consolidation loan has a lesser interest rate than the current credit, it can help you save thousands in interest costs.

Before deciding on a debt consolidation loan option, the potential borrower should look at offers the terms, fees, and terms. The debt consolidation loan will be worthwhile if it permits an individual borrower to make savings. Suppose the interest rates and the coHowever, supposeociated with the debt consolidation loan are higher than what you’re currently paying on various credit cards and other loan credit. In that case, a consolidation loan isn’t the most beneficial option.

How can the debt consolidation loan impact your credit score?

A loan for debt consolidation is bound to affect your credit score, in the same way, depending on several positive or negative factors.

A few things that can affect your score are:

  • A hard inquiry. To approve your loan, lenders thoroughly investigate your credit score, which means they’ll ask for an exhaustive analysis of your credit history that will leave a mark on your credit report. It could result in a temporary decrease in the score of your credit.
  • Credit age is lower. Opening a new credit account, whether a loan, mortgage, or credit card, can decrease your overall credit score. It could also affect the score. What percentage of it will fall depends on your other accounts and the age of your funds. The longer you have a credit history, the lower it can affect your overall score.
  • The number of accounts. The number of accounts you hold also impacts your credit score. A more significant number of reports can be more beneficial, based on the type of mix you have and how you handle them, particularly if you regularly pay your bills and ensure that your credit usage is minimal. Having excessive accounts could harm you, particularly regarding revolving credit. These accounts can be hard to manage in the event of late payment, which can negatively impact your credit score.

In addition, having a considerable loan, regardless of whether it’s one of the student loans, mortgages, or debt consolidation loans, will affect your credit score and impact your chance of being approved due to the burden of credit.

Consolidating debt may also benefit the credit rating in specific ways. For instance, it makes keeping your payments in order easier and lowers the credit utilization ratio. This is a measure of the amount of your credit card that’s revolving (for instance, credit cards or lines of credit) that you’re using. Moreover, the less it is, the higher your score. So if the debt you’re trying to eliminate is mostly credit card debt or line of credit consolidation, loans will help decrease that ratio and possibly increase your credit score.

What is the most effective credit consolidation loan

The best credit consolidation option will be contingent on your goals in terms of finances and the size of monthly repayment you can manage.

In deciding on a loan to consolidate debt, you should consider these aspects:

  • Rates for interest: A debt consolidation loan is a good option if the interest rate is lower than the amount the borrower is paying in their existing credit. The majority of lenders provide fixed or adjustable-rate loans. Your interest rate will be based on your credit rating ( FICO or VantageScore), current earnings, debt-to-income ratio, and other variables. Generally, the APR for debt consolidation ranges between 6.99 percent and 24.99 percent, but there are exceptions at both ends which can be as low as 5.99 percent and up to 36.00 percent. Be sure to get the lowest APR that you will get from most of your other debt. For example, suppose you’ve received a lower or sub-15 percent APR on your credit cards due to an excellent credit return when you made an application. In that case, obtaining a rate of interest higher than 20% is not a good idea to consolidate your credit card debt.
  • ChargesMost, however, but not every lender will charge a range of charges, including the origination fee, late payments, and sometimes a prepayment penalty. However, origination charges typically are between 0% and 7% of the loan, which can be higher. The late payment charge may be fixed between $25 and $45 or determined based on the loan amount. Prepayment penalties or an early payment fee could be improved, and it is usually a portion of the loan’s balance or the interest that the lender has lost due to the earlier repayment.
  • Rewards and payment options: Some lenders offer the option of paying with a mobile application, website, or telephone. A lot of lenders provide their customers with security against identity theft as well as credit score tracking, and also the possibility of making payments to creditors on your behalf of you.

How do you get a loan to consolidate debt?

  1. Perform a credit review by requesting reports from the three credit bureaus. It can give you an idea of what rates you’ll pay before taking a risk with your credit.
  2. Find out your balance and calculate the rate of interest you’re paying on credit cards and other outstanding debts. This will allow you to calculate the rate of interest you’ll need from a lender who offers debt consolidation to make the loan make sense.
  3. Researchers can research lenders’ interest rates, loan conditions, and fees.
  4. Use a credit card or ratio of the debt-to-income calculator to know what rate you could get by using the help of your rating.
  5. Choose a lender with a lower interest rate and a smaller payment than your current one.
  6. If you’re considering pre-approved deals with an interest rate higher than your current rates, look into whether you can find an acquaintance or family member with a more excellent credit rating willing to be a co-signer.
  7. You can apply for an installment credit.
  8. Be sure to check all the deal details before accepting the offer.
  9. Take the loan’s funds and settle your debt. If the lender offers direct or direct payment options, let the lender make payments directly to the creditors on your behalf.

If your loan request is rejected due to poor or insufficient credit, your next step is to increase your credit and credit scores. If you want to improve your credit, there is a credit repair company, or you can study and build your credit score.

Alternatives to debt consolidation loans

Credit card and lending institutions provide other choices as well for debt relief.

Talk to debt collectors about your options.

If a portion of your debt is unpaid and transferred to debt collection agencies, you can lower the amount you owe. It is common for debt to be sold at significantly less than the initial value. That means you get to bargain with a collection agency and reach an agreement between the amount you were owed and the amount they will pay for the credit.

If you’re getting contacted by debt collectors, you must understand your rights following the Fair Debts Collection Practices Act (FDCPA). Request all information concerning your debt before making any payments. When you’ve confirmed the debt, negotiate the terms and amount of the settlement with the agency that collects your debt until you can reach an agreement that you are happy with.

Be aware that if you may negotiate to pay less than you owe, the compromise is reflected on your credit record and will negatively affect your credit score.

Debt consolidation companies

Companies that consolidate debt don’t provide the money to settle the debt as the debt consolidation loans would but instead serve as a middleman between you and your creditor. The company pays a single monthly sum, and they settle your debts at a lower interest rate. They may negotiate with the creditors to determine a lower total amount. Be aware that these programs don’t cover secured loans, such as mortgages or auto loans, and other types of loans.

One of the main advantages of debt consolidation is that because they’re not an actual loan, they do not consider your client’s credit rating. In addition, these programs provide advice, assist you in analyzing your financial situation and formulate strategies to prevent trouble with debt shortly.

Home equity loans, as well as Home Equity Lines of Credit

The home equity line of credit and the Home equity line of credit permits the client to borrow cash against the equity in their home. Home equity refers to the difference between the price of your house or the amount it could be sold at and the amount you owe your mortgage lender.

A loan is a lump sum of money paid as a single payment. Lines t (HELOCs) On their flip side are revolving credits. You can withdraw funds from the line of credit at any time during the duration of the draw. Then, when the draw period is over, the line of credit is paid back in whatever you have used up in the monthly installments.

If this is your ideal choice, look at Money’s most popular loan options for homeowners to learn more about the possibilities.

Credit cards for a balance transfer

One option for consolidating high-interest credit card debts is to move balances onto another credit card with minimal or zero cost. For example, some credit cards can try out a promotional period of 12-to-21 months at zero APR. This allows clients to repay or reduce their debts without adding additional charges.


The bankruptcy process is taken by companies or individuals who are at a level where they cannot repay their obligations. This should be your last option for dealing with debt and creditors because it can significantly affect your credit score and the likelihood of obtaining credit shortly. There are two significant kinds of bankruptcy:

  • Chapter 7 When a trustee assumes control over your property, they convert it into profits to pay creditors. Based on the state of the property you reside in, you could get to keep the majority of your property.
  • Chapter 13 Courts approve a repayment arrangement wherein you must pay creditors a portion of your salary. A trustee is appointed by the court to recover your money and ensure that the payment plan is executed.

Some debts are not dismissed by the court when you declare bankruptcy. The obligations that are not dischargeable are:

  • Child help
  • Student loan
  • Fines from the court
  • The majority of taxes

Insolvency will be listed on your credit file for about ten years. This makes it challenging to get accepted for credit shortly.

Debt Consolidation Loan FAQ

What is the process by which debt consolidation firms operate?

Please do not confuse loans for debt consolidation; firms specializing in debt consolidation work with individuals to lower the amount of their debt each month by consolidating all of their payments in one payment and working with creditors for the less overall expense. Certain companies will offer a percentage of the obligation to assist their clients. In addition to hiring a debt-consolidation business, you may combine your debt using a personal loan, balance transfer credit cards, lines of credit, or home equity loans.

How can you obtain an installment loan for debt without credit?

Insolvency or debt consolidation, which is the better option?

What is the best place to get a loan to consolidate my debt?

What steps should be taken to obtain approval to get a loan for debt consolidation?

What is the best way to choose the suitable debt consolidation loans

To select the most effective loans for the consolidation of debt, we looked at the following:

Rates. We preferred lenders who offered the lowest rates that were available.

A variety of terms of loans. We favored lenders with a broad range of assignments for repayment, ranging between six months and more significant than five years.

Customer support. The best debt consolidation loan providers should offer accessible support and loan specialists and several methods to contact them by telephone, email, and live chat.

The simplified application process and quick financing. While some lenders require customers to call direct, we preferred lenders that helped make the application and the funding procedure as simple and easy as possible.

There are no or minimal charges. Most lenders charge amounts; we searched to find those who were the lowest cost if they set there was any.

The Top Debt Consolidation Loans for 2023

  • LightStream is the best option for outstanding credit
  • SoFi – The best for absolutely no costs
  • PenFed is Ideal for those with small credit.
  • Fiona Ideal to compare lenders
  • Discover – Great for debt consolidation
  • Marcus from Goldman Sachs – Best for good to fair credit
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