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Best for: This loan is ideal for fair-credit borrowers looking to manage multiple debts with .
APR
7.74–35.99%
Amount
$1k–$50k
Term
24–84mo
Speed
Next business day funding
Upgrade's debt consolidation loan offers flexible terms and rate discounts, viable choice for many borrowers.
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Best for: Best for borrowers with a credit score of at least 600 seeking fast approval and funding.
APR
5.96–35.99%
Amount
$1k–$40k
Term
24–60mo
Speed
Approved in as little as 1 hour, funded next business day
This loan is a quick solution for those needing to consolidate debt and pay off credit cards efficiently.
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Best for: This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
APR
7.74–35.49%
Amount
$5k–$100k
Term
24–84mo
Speed
Same day funding available
SoFi offers a approach to debt consolidation with and flexible terms.
Check rates→Best for: This service is ideal for borrowers who are new to credit and need a manageable loan for personal expenses, ranging from $300 to $18,500.
APR
19.9–35.95%
Amount
$300–$10k
Term
12–48mo
Speed
Minutes (prequalification), same-day funding
Oportun offers accessible personal loans for those looking to build credit, with flexible terms and no credit history required.
Check rates→Best for: This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
APR
6.25–35.99%
Amount
$5k–$50k
Term
24–60mo
Speed
24-72 hours
Achieve Personal Loans offers competitive rates and a streamlined process for debt consolidation, making it a viable option for qualified borrowers.
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Best for: This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
APR
7.74–35.99%
Amount
$1k–$50k
Term
24–84mo
Speed
1 business day
Upgrade Personal Loans offers flexible borrowing with competitive rates, but be mindful of potential high APRs for lower credit scores.
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