Online Lending Network
PopularBest for: good credit profiles
- Funds as soon as next business day
- No prepayment penalty
- Fixed monthly payments
Rate
7.99% – 24.99% APR
Amount
$1,000 – $50,000
Term
24 – 60 months
Checking rates is free
Loan category
Debt Consolidation Loan Application Support
Typical range: $2,000 – $50,000
Debt consolidation loans allow you to combine several high-interest debts — like credit cards, medical bills, or existing loans — into a single monthly installment payment, often at a lower APR. FinanceScoreAI helps you complete your application with clarity so you can compare offers from participating third-party lenders.
Free · No credit impact at review · SSL secured
Eligibility overview
- U.S. resident aged 18 or older
- Existing debts you'd like to consolidate
- Verifiable monthly income
- Active checking account
- Debt-to-income ratio the provider considers manageable
Benefits
- Single, predictable monthly payment
- Potentially lower APR than revolving credit balances
- Clear payoff timeline
- May help simplify budgeting and reduce missed payments
Things to consider
- You must avoid accumulating new debt to see real benefit
- Extending the term may lower payments but raise total interest paid
- Fees and origination costs vary by provider
Compare lender types
Example offers for debt consolidation loans
Illustrative examples of the lender types available in this category. Actual rates and terms are set by third-party providers and may vary.
Credit Union Partner
Lowest rate rangeBest for: excellent credit profiles
- Member-focused pricing
- Flexible payment dates
- Local U.S. service teams
Rate
6.49% – 17.99% APR
Amount
$500 – $35,000
Term
12 – 60 months
Checking rates is free
Fair Credit Specialist
Best for: fair credit profiles
- Considers thin credit files
- Soft-check pre-review
- Reports payments to bureaus
Rate
18.99% – 35.99% APR
Amount
$1,000 – $15,000
Term
12 – 48 months
Checking rates is free
Non-Prime Installment Provider
Best for: poor credit profiles
- Income-based review
- Small starting amounts
- Credit-building reporting
Rate
24.99% – 35.99% APR
Amount
$500 – $10,000
Term
6 – 36 months
Checking rates is free
Frequently asked questions
About debt consolidation loans
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