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Best Debt Consolidation Loans December 2024
Start your path to a debt-free life
Take control of your financial well-being with the top debt consolidation Loans. Apply online today and start building a plan to pay off your debt.
Best Debt Consolidation Loans
December 2024
Apply online today and start building a plan to lower your interest rate, decrease your monthly payments and pay all your credit card bills in one installment.
Best Debt Consolidation Loans
December 2024
Updated December 2024

Filter the best options for you:

1
Editor's Choice
9.8
Exceptional
Scores are calculated based on:
Brand Performance
Based on data insights
9.5
Customer Engagement
Based on click-share
9.9
Products & Offerings
9.6
9.8
Exceptional
Scores are calculated based on:
Brand Performance
Based on data insights
9.5
Customer Engagement
Based on click-share
9.9
Products & Offerings
9.6
  • Best for debt above $30K
  • Get rid of debt in 24-48 months
  • Free initial consultation
  • 1M+ clients served
Read More
$19+ billion in debt resolution*
Read More
Get My Rate
Visit Freedom
2
9.2
Outstanding
Scores are calculated based on:
Brand Performance
Based on data insights
9.7
Customer Engagement
Based on click-share
9.0
Products & Offerings
8.8
9.2
Outstanding
Scores are calculated based on:
Brand Performance
Based on data insights
9.7
Customer Engagement
Based on click-share
9.0
Products & Offerings
8.8
  • Best for debt above $25K
  • Free savings estimate
  • Get rid of debt in 24-48 months
Read More
No upfront fees and no obligation
Read More
Get My Rate
Visit National DR
3
8.8
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.4
Customer Engagement
Based on click-share
8.8
Products & Offerings
8.2
8.8
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.4
Customer Engagement
Based on click-share
8.8
Products & Offerings
8.2
  • Best for debt above $20K
  • Risk free consultation
  • Customized options to fit your needs
Read More
30+ years of experience in finance
Read More
Get My Rate
Visit JG Wentworth
4
8.1
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.5
Customer Engagement
Based on click-share
7.9
Products & Offerings
7.8
8.1
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.5
Customer Engagement
Based on click-share
7.9
Products & Offerings
7.8
  • Best for debt above $10K
  • Over 20 years in business
  • Works with creditors to reduce debt
Read More
Free, no obligation consultation
Read More
Get My Rate
Visit Pacific Debt
5
8.2
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.2
Customer Engagement
Based on click-share
8.4
Products & Offerings
7.8
8.2
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.2
Customer Engagement
Based on click-share
8.4
Products & Offerings
7.8
  • Best for debt above $10K
  • Free, no-obligation consultation
  • Pay off debt in 24 to 48 months
Read More
Get help negotiating your unsecured debt
Read More
Get My Rate
Visit Optimal Debt
6
8.3
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.9
Customer Engagement
Based on click-share
8.1
Products & Offerings
8.2
8.3
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.9
Customer Engagement
Based on click-share
8.1
Products & Offerings
8.2
  • Best for debt above $15K
  • Free savings estimate
  • High customer satisfaction
Read More
No upfront fees
Read More
Get My Rate
Visit ClearOne Advantage
7
8.6
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.2
Customer Engagement
Based on click-share
8.3
Products & Offerings
8.4
8.6
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.2
Customer Engagement
Based on click-share
8.3
Products & Offerings
8.4
  • Best for debt above $20K
  • Be debt free in 24-48 months
  • 300K+ clients served
Read More
Free consultation with a debt specialist
Read More
Get My Rate
Visit Accredited
8
7.9
Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.7
Customer Engagement
Based on click-share
7.5
Products & Offerings
8.0
7.9
Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.7
Customer Engagement
Based on click-share
7.5
Products & Offerings
8.0
  • Best for debt above $10K
  • CPAs and debt specialists
  • 10+ million Americans helped
Read More
Expert guidance, real results
Read More
Get My Rate
Visit Debt.com
9
Our Pick for Debt Under $10K
8.6
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.9
Customer Engagement
Based on click-share
7.7
Products & Offerings
9.0
8.6
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.9
Customer Engagement
Based on click-share
7.7
Products & Offerings
9.0
  • Best for debt above $1K
  • Simple loan process
  • Superb customer service
Read More
Compare rates for debt consolidation
Read More
Get My Rate
Visit LendingTree
Compare Between Top Lenders
Use this side-by-side comparison table to help you find the right lender.
Features
9.8
9.2
8.8
8.1
8.2
BBB Rating
A+, accredited
A+, accredited
A+, accredited
A+
A+, accredited
Min. Debt Amount
$25,000
$20,000
$10,000
10K
$10K
Loan Term
24-48 months
24-60 months
24-48 months
24-48 months
24-48 months
In Business Since
2002
2009
1991
2002
2017
Customer Service
Phone & email
Phone & email
Phone & email
Phone & E-mail
Phone, FAX, and email
Our Top Pick
Best Overall
9.8
Exceptional
Scores are calculated based on:
Brand Performance
Based on data insights
9.5
Customer Engagement
Based on click-share
9.9
Products & Offerings
9.6
9.8
Exceptional
Scores are calculated based on:
Brand Performance
Based on data insights
9.5
Customer Engagement
Based on click-share
9.9
Products & Offerings
9.6
  • Rated 4.6/5 ☆ on TrustPilot
  • Resolved over $12 billion in debt
  • Highly trained debt professionals
  • 24/7 online client dashboard
Read More
Read More
Get My Rate
Visit Freedom
FAQs About Debt Consolidation Loans
Looking to improve your financial well-being and consolidate your debt? In addition to comparing the top debt consolidation lenders, we've compiled some of the most commonly asked questions about debt consolidation.
What is debt consolidation?
Debt consolidation refers to a financial strategy that combines high-interest debts into a single, lower-interest monthly payment. Consolidation loans have fixed terms and fixed interest rates, so you can take control of your debt, know exactly when you will be debt-free, and pay off your debt faster.
How does debt consolidation work?
Those looking to consolidate debt usually have two different options. A 0% interest, balance-transfer credit card involves transferring debts onto the card and paying the balance in full during a promotional period. Another type of debt consolidation provides a fixed-rate personal loan in which borrowers use the money from the loan to pay off debts before paying back the loan in installments according to new terms.
Does debt consolidation affect credit?
Debt consolidation can help improve credit if it helps someone make payments on time while also reducing the amount of money owed on different accounts. However, credit can suffer if the person continues to run up credit card balances again or miss payments.
What is the best debt consolidation solution?
The best debt consolidation lender for you will depend on several factors, including the amount of debt, type of debt (s), financial history, and what type of terms you are looking for. Those looking for a quality debt consolidation loan should consider these factors and review the different options using our comparison and in-depth reviews.
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