CompareFairlyBest Debt Consolidation Loans 2026
Our pick : Upstart (81/100) · Cheapest : Upstart · Best value : Upstart
In short
This comparison evaluates 11 debt consolidation loans based on 10 criteria, including APR, estimated monthly payment, origination fee, loan amount, loan term, and minimum credit score required. Upstart ranks highest with a score of 81 out of 100, largely due to its perfect scores in APR and loan term. LendingClub is second with 77 out of 100, excelling in funding speed. Upstart is identified as the most affordable option. It's important to note that while data for 3 out of the 11 options is sourced, the remaining values are estimates and are flagged accordingly. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Upstart | LendingClub | Marcus by Goldman Sachs | Discover Personal Loans | Best Egg | LightStream |
|---|---|---|---|---|---|---|
| APR (%) | 5.48 | 5.96-35.99 | 6.99 | 6.99 | 7.49 | 5.99 |
| Estimated Monthly Payment (USD) | 0.46 | 0.69 | 0.58 | 0.58 | 0.62 | 0.5 |
| Origination Fee (%) | 0.0 | 0-8 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan Amount (USD) | 15000.0 | 20000.0 | 30000.0 | 25000.0 | 22000.0 | 28000.0 |
| Loan Term (years) | 5.0 | 5.0 | 6.0 | 5.0 | 5.0 | 6.0 |
| Minimum Credit Score Required | — | Fair | — | — | — | — |
| Customer Reviews | Good | Good | Good | Excellent | Good | Excellent |
| Funding Speed | Fast | Standard | Standard | Standard | Fast | Standard |
| Prequalification Available | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| Debt Payoff Support | — | — | — | — | — | — |
Frequently asked questions
What are the best debt consolidation loans in 2026?
Our top-rated debt consolidation loan in 2026 is Upstart, scoring 81/100, followed closely by LendingClub. We compare them based on APR, estimated monthly payment, origination fee, loan amount, loan term, and minimum credit score required.
How do you rank debt consolidation loan providers?
Our rankings are based on a comprehensive analysis of key factors like APR, fees, and loan terms. We are committed to neutrality; our placement is not influenced by payments from lenders, and all data is sourced.
What factors should I consider when choosing a debt consolidation loan?
Key factors to consider include the Annual Percentage Rate (APR), estimated monthly payment, origination fees, available loan amounts, loan terms, and the minimum credit score required to qualify.
Where can I find reliable information on debt consolidation loans?
You can find reliable, unbiased information on debt consolidation loans on our comparison page, which details lenders like Upstart and LendingClub based on objective criteria.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.