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Best Debt Consolidation Loans February 2025
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.
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Updated February 2025
Best Debt Consolidation Loans
February 2025
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.
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Updated February 2025
Best Debt Consolidation Loans
February 2025
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Updated February 2025

Filter the best options for you:

1
Editor's Choice
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9.2
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Outstanding
Scores are calculated based on:
Brand Performance
Based on data insights
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9.7
Customer Engagement
Based on click-share
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9.0
Products & Offerings
Based on our
editorial analysis
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8.8
9.2
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Outstanding
Scores are calculated based on:
Brand Performance
Based on data insights
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9.7
Customer Engagement
Based on click-share
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9.0
Products & Offerings
Based on our
editorial analysis
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8.8
No upfront fees and no obligation
  • Best for debt above $25K
  • Affordable, customized plans
  • Free savings estimate
  • Get rid of debt in 24-48 months
Get My Rate
Visit National DR
2
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8.4
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Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
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9.4
Customer Engagement
Based on click-share
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8.1
Products & Offerings
Based on our
editorial analysis
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8.2
8.4
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Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
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9.4
Customer Engagement
Based on click-share
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8.1
Products & Offerings
Based on our
editorial analysis
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8.2
30+ years of experience in finance
  • Best for debt above $20K
  • Risk free consultation
  • Customized options to fit your needs
3
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7.8
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Good
Scores are calculated based on:
Brand Performance
Based on data insights
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8.2
Customer Engagement
Based on click-share
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7.7
Products & Offerings
Based on our
editorial analysis
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7.8
7.8
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Good
Scores are calculated based on:
Brand Performance
Based on data insights
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8.2
Customer Engagement
Based on click-share
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7.7
Products & Offerings
Based on our
editorial analysis
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7.8
Get help negotiating your unsecured debt
  • Best for debt above $10K
  • Free, no-obligation consultation
  • Pay off debt in 24 to 48 months
4
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8.6
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Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
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8.6
Customer Engagement
Based on click-share
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8.8
Products & Offerings
Based on our
editorial analysis
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8.2
8.6
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Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
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8.6
Customer Engagement
Based on click-share
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8.8
Products & Offerings
Based on our
editorial analysis
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8.2
No upfront fees
  • Best for debt above $15K
  • Free savings estimate
  • High customer satisfaction
5
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8.7
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Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
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9.1
Customer Engagement
Based on click-share
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8.6
Products & Offerings
Based on our
editorial analysis
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8.4
8.7
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Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
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9.1
Customer Engagement
Based on click-share
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8.6
Products & Offerings
Based on our
editorial analysis
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8.4
Free consultation with a debt specialist
  • Best for debt above $20K
  • Be debt free in 24-48 months
  • 300K+ clients served
6
Our Pick for Debt Under $10K
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8.7
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Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
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9.9
Customer Engagement
Based on click-share
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7.9
Products & Offerings
Based on our
editorial analysis
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9.0
8.7
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Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
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9.9
Customer Engagement
Based on click-share
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7.9
Products & Offerings
Based on our
editorial analysis
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9.0
Compare rates for debt consolidation
  • Best for debt above $1K
  • Simple loan process
  • Superb customer service
Compare Between Top Lenders
Use this side-by-side comparison table to help you find the right lender.
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National DR
JG Wentworth
Optimal Debt
ClearOne Advantage
Accredited
LendingTree
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National DR
JG Wentworth
Optimal Debt
ClearOne Advantage
Accredited
LendingTree
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Features
National DR
JG Wentworth
Optimal Debt
ClearOne Advantage
Accredited
LendingTree
9.2
8.4
7.8
8.6
8.7
8.7
BBB Rating
A+, accredited
A+, accredited
A+, accredited
NR, accredited
A+, accredited
A+, accredited
Min. Debt Amount
$20,000
$10,000
$10K
$15,000
$15,000
$1,000
Loan Term
24-60 months
24-48 months
24-48 months
24-60 months
4-48 months
12-144 months
In Business Since
2009
1991
2017
2007
2011
1998
Customer Service
Phone & email
Phone & email
Phone, FAX, and email
Phone & email
Phone & email
Phone & email
Our Top Pick
Best Overall
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9.2
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Outstanding
Scores are calculated based on:
Brand Performance
Based on data insights
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9.7
Customer Engagement
Based on click-share
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9.0
Products & Offerings
Based on our
editorial analysis
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8.8
9.2
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Outstanding
Scores are calculated based on:
Brand Performance
Based on data insights
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9.7
Customer Engagement
Based on click-share
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9.0
Products & Offerings
Based on our
editorial analysis
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8.8
  • Rated 4.7/5 ★ on Trustpilot
  • Highly trained debt professional
  • Quick & easy loan process
  • Free consultation
FAQs About Debt Consolidation Loans
Looking to improve your financial well-being and simplify your monthly payments? In addition to comparing some of the best debt consolidation loan companies, we've compiled some of the most commonly asked questions about debt consolidation loans to help you make an informed decision.
What is a Debt Consolidation Loan?
A debt consolidation loan is a financial tool that allows borrowers to combine multiple high-interest debts into a single, fixed-rate loan with one monthly payment. Debt consolidation loans often offer lower interest rates than credit cards, making them a practical option for managing debt more effectively. By consolidating debt into a structured loan, you gain better control over your finances and can work toward becoming debt-free on a predictable timeline.
How Does a Debt Consolidation Loan Work?
Borrowers typically have two primary options for consolidating debt:
  • Balance transfer credit card: A 0% interest balance transfer credit card allows borrowers to transfer multiple debts onto a single card and pay off the balance within a promotional period.
  • Debt consolidation loan: A fixed-rate personal loan designed for loan consolidation, where the borrower receives a lump sum to pay off existing debts and then repays the new loan in fixed monthly installments.

Choosing the best debt consolidation loan depends on your financial situation, credit score, and interest rates offered by different debt consolidation loan companies.
Does debt consolidation affect credit?
A debt consolidation loan can impact credit in both positive and negative ways:
  • Potential benefits: Making consistent, on-time payments can improve your credit score over time. Additionally, consolidating multiple accounts may help lower your credit utilization ratio.
  • Potential drawbacks: If a borrower continues to accumulate new debt after consolidating, their credit score could suffer. Late or missed payments on the new loan can also negatively affect credit scores.

Choosing the best debt consolidation loan depends on your financial situation, credit score, and interest rates offered by different debt consolidation loan companies.
What is the Best Debt Consolidation Loan Option?
The best debt consolidation loan for you will depend on several factors, including:
  • • Total debt amount and type of debt (credit cards, personal loans, medical bills, etc.).
  • •Financial history and credit score (affects loan eligibility and interest rates).
  • • Total debt amount and type of debt (credit cards, personal loans, medical bills, etc.).
  • •Repayment terms and interest rates (compare lenders for the best offers).

Borrowers should compare the best debt consolidation loans by reviewing different lenders, loan terms, and interest rates. Our comparison tool provides insights into the best debt consolidation loan companies, helping you find a lender that fits your needs.
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