Best Debt Consolidation Options 2026
by Anonymous
Debt consolidation combines multiple high-interest debts into a single payment at a lower rate. Options include personal loans, balance transfer cards, home equity loans, and debt management plans. The right choice depends on your credit score, total debt amount, and whether you own a home. Consolidation works best when combined with a commitment to avoid accumulating new debt.
SoFi Personal Loan
$5,000–$100,000
loan amounts
8.99–25.81%
apr range
None
origination fee
680+
minimum credit score
2–7 years
loan terms
Yes
direct creditor payment
LightStream
$5,000–$100,000
loan amounts
7.49–25.49%
apr range
None
origination fee
660+
minimum credit score
2–12 years
loan terms
No (funds to you)
direct creditor payment
Prosper
$2,000–$50,000
loan amounts
8.99–35.99%
apr range
1–6.99%
origination fee
640+
minimum credit score
2–5 years
loan terms
Yes
direct creditor payment
National Debt Relief
$7,500–$100,000+
loan amounts
Fee-based (15–25%)
apr range
15–25% of enrolled debt
origination fee
No minimum
minimum credit score
24–48 months
loan terms
Yes (settlements)
direct creditor payment
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