Debt consolidation loans help combine multiple debts into one, making payments more manageable. Here are the top 10 debt consolidation loans in 2025.
Best Debt Consolidation Loans
1. Marcus by Goldman Sachs – No fees, low rates
2. SoFi – High loan amounts, member benefits
3. LightStream – Fast funding, low interest
4. Upgrade – Great for fair credit
5. Avant – Best for bad credit borrowers
6. Discover – No origination fees
7. Best Egg – Fast approval
8. Payoff – Designed for credit card consolidation
9. LendingClub – Good for joint applications
10. Upstart – AI-based approvals
How to Qualify for a Debt Consolidation Loan
- Maintain a good credit score (above 650 for best rates)
- Compare multiple lenders
- Consider secured vs. unsecured loans
Final Thoughts
Debt consolidation can simplify payments and reduce interest rates. Compare lenders to find the best fit for your financial needs.