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Peninah Njeri Mwangi
Peninah Njeri Mwangi

Debt Loan Consolidation


The best personal loans for debt consolidation offer low annual percentage rates (APRs) and flexible repayment terms, while avoiding fees like prepayment penalties, so you can retire debt early without having to pay a fee.

Achieve (formerly FreedomPlus) is an indirect lending platform that offers personal loans underwritten by Cross River Bank or MetaBank. Founded in 2014, the lender is one of our top picks for debt consolidation loans because of the flexible loan terms (two to five years) and loan amounts ($7,500 to $40,000). These characteristics make it easier to consolidate a large amount of debt while spreading payments out over a lengthy period of time and reducing monthly payments.

Like some of our other top picks, Achieve also offers direct payment to creditors. In fact, borrowers who put 85% of the total loan amount toward debt consolidation via direct payment are more likely to qualify for a loan.

And, while Discover does charge a late payment fee, it does not charge any origination fees or prepayment penalties, making it competitive with other top personal loan providers. Discover also will disperse funds directly to third-party creditors, which can save time when trying to consolidate your debt and take control of your finances. Finally, Discover stands out because of its online application and mobile banking tools, well-reviewed customer support team and quick funding.

Eligibility: To qualify for a Discover personal loan for debt consolidation, prospective borrowers must have a minimum credit score of 660; the average Discover borrower has a score of 750. Discover does not require applicants to have a minimum credit history length, but applicants must demonstrate a minimum household income of $25,000 per year. Applicants also are evaluated based on their credit history, recent credit activities and other credit inquiries. Co-signers and co-applicants are not permitted.

Loan uses: Loans from Upgrade must be used to pay off credit cards, consolidate other debt, make home improvements or pay for other large purchases. Unlike some other lenders, Upgrade also offers direct payment to third-party creditors, though it can take longer for these funds to be processed.

Eligibility: To qualify for a Happy Money debt consolidation loan, applicants must have a minimum credit score of 640, though approved applicants have an average score of 705. To be eligible, applicants also must have a minimum credit history of three years, no current delinquencies and a debt-to-income ratio under 50%. There is no minimum income requirement, but Happy Money does not offer borrowers a co-signer or co-applicant option, so applicants must qualify based on their individual financial circumstances.

Loan uses: Happy Money specializes in credit card debt consolidation, making it an excellent option for readers who want to take control of their finances and streamline their debt repayment.

Best Egg is a lending platform available to borrowers in every state except Iowa, Vermont, West Virginia and Washington, D.C. Personal loans are issued by Cross River Bank and range from $2,000 to $35,000, though offers up to $50,000 may be available. Loan proceeds can be used for debt consolidation, and payment terms are available from three to five years, so Best Egg can be a great way to consolidate your other debts and spread the payments out over time.

Loan uses: As with other top lenders on our list, borrowers can use Best Egg personal loan funds to simplify their finances through debt consolidation and credit card refinancing. Still, Best Egg loans are just as flexible as those offered by other lenders, and can be used for a variety of purposes, including everything from home improvement to moving and relocation or taxes and medical expenses. As with many other lenders, however, loan proceeds cannot be used for post-secondary educational expenses, purchasing or carrying any securities or illegal activity.

Turnaround time: The application process for a


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