{
  "canary": "0eddb176ce8e1c62",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Rates & Fees",
        "key": "annual_percentage_rate",
        "label": "APR",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "%"
      },
      {
        "group": "Rates & Fees",
        "key": "monthly_payment",
        "label": "Estimated Monthly Payment",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Rates & Fees",
        "key": "origination_fee",
        "label": "Origination Fee",
        "poids": 2,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "%"
      },
      {
        "group": "Loan Details",
        "key": "loan_amount",
        "label": "Loan Amount",
        "poids": 3,
        "sens": "neutre",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Loan Details",
        "key": "loan_term",
        "label": "Loan Term",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "nombre",
        "unit": "years"
      },
      {
        "group": "Requirements",
        "key": "credit_score_minimum",
        "label": "Minimum Credit Score Required",
        "options": [
          "Excellent",
          "Good",
          "Fair",
          "Poor"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "qualitative"
      },
      {
        "group": "Service",
        "key": "customer_reviews",
        "label": "Customer Reviews",
        "options": [
          "Excellent",
          "Good",
          "Fair",
          "Poor"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "qualitative"
      },
      {
        "group": "Service",
        "key": "funding_speed",
        "label": "Funding Speed",
        "options": [
          "Fast",
          "Standard",
          "Slow"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "qualitative"
      },
      {
        "group": "Service",
        "key": "prequalification_available",
        "label": "Prequalification Available",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "booleen"
      },
      {
        "group": "Service",
        "key": "debt_payoff_support",
        "label": "Debt Payoff Support",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "booleen"
      }
    ],
    "faq": [
      {
        "a": "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.",
        "q": "What are the best debt consolidation loans in 2026?"
      },
      {
        "a": "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.",
        "q": "How do you rank debt consolidation loan providers?"
      },
      {
        "a": "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.",
        "q": "What factors should I consider when choosing a debt consolidation loan?"
      },
      {
        "a": "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.",
        "q": "Where can I find reliable information on debt consolidation loans?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2663,
    "neutral": false,
    "path": [
      "finance",
      "loans",
      "debt-consolidation-loans"
    ],
    "price_key": "annual_percentage_rate",
    "profile_questions": [
      {
        "options": [
          "Excellent (750+)",
          "Good (670-749)",
          "Fair (580-669)",
          "Poor (<580)"
        ],
        "q": "What is your approximate credit score?"
      },
      {
        "options": [
          "1-3 years",
          "3-5 years",
          "5-7 years"
        ],
        "q": "What is your desired loan term?"
      },
      {
        "options": [
          "$0 - $30,000",
          "$30,001 - $70,000",
          "$70,001 - $150,000",
          "$150,000+"
        ],
        "q": "What is your approximate annual income?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "personal loans",
      "balance transfer credit cards",
      "credit counseling services",
      "how to improve credit score"
    ],
    "synthese": [
      "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."
    ],
    "tier": "gold",
    "title": "Best Debt Consolidation Loans",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 2.7,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest",
        "best_value"
      ],
      "derived": [
        "monthly_payment"
      ],
      "description": "Upstart uses an AI-driven approach to lending, potentially offering options for those with less-than-perfect credit.",
      "estimated": true,
      "link_url": "https://upstart.com/",
      "logo_dom": "upstart.com",
      "logo_url": "https://unavatar.io/upstart.com?fallback=false",
      "name": "Upstart",
      "provider": "Upstart",
      "score": 81.0,
      "source_url": "https://www.upstart.com/debt-consolidation-loans",
      "subscores": {
        "annual_percentage_rate": 100.0,
        "customer_reviews": 33.0,
        "funding_speed": 0.0,
        "loan_term": 100.0,
        "monthly_payment": 100.0,
        "origination_fee": 100.0,
        "prequalification_available": 100.0
      },
      "values": {
        "annual_percentage_rate": 5.48,
        "customer_reviews": "Good",
        "debt_payoff_support": false,
        "estimated_monthly_payment": 330.0,
        "funding_speed": "Fast",
        "loan_amount": 15000.0,
        "loan_term": 5.0,
        "minimum_credit_score_required": "Fair",
        "monthly_payment": 0.46,
        "origination_fee": 0.0,
        "prequalification_available": true
      },
      "verified": false
    },
    {
      "badges": [],
      "best_for": "Borrowers with fair credit who need joint application options.",
      "cons": [],
      "derived": [
        "monthly_payment"
      ],
      "description": "LendingClub, rebranding as Happen Bank, accepts fair credit and allows joint applications for debt consolidation loans.",
      "link_url": "https://lendingclub.com/",
      "logo_dom": "lendingclub.com",
      "logo_url": "https://unavatar.io/lendingclub.com?fallback=false",
      "name": "LendingClub",
      "pros": [
        "Accepts fair credit",
        "Allows joint applications"
      ],
      "provider": "LendingClub",
      "score": 77.0,
      "source_url": "https://www.debt.org/consolidation/companies/",
      "subscores": {
        "annual_percentage_rate": 89.0,
        "customer_reviews": 33.0,
        "funding_speed": 50.0,
        "loan_term": 100.0,
        "monthly_payment": 67.0,
        "origination_fee": 100.0,
        "prequalification_available": 100.0
      },
      "values": {
        "annual_percentage_rate": "5.96-35.99",
        "credit_score_minimum": "Fair",
        "customer_reviews": "Good",
        "debt_payoff_support": false,
        "estimated_monthly_payment": 360.0,
        "funding_speed": "Standard",
        "loan_amount": 20000.0,
        "loan_term": 5.0,
        "minimum_credit_score_required": "Good",
        "monthly_payment": 0.69,
        "origination_fee": "0-8",
        "prequalification_available": true
      },
      "verified": true
    },
    {
      "badges": [],
      "derived": [
        "monthly_payment"
      ],
      "description": "Marcus offers unsecured personal loans with no origination fees, suitable for consolidating debt.",
      "estimated": true,
      "link_url": "https://www.marcus.com/",
      "logo_dom": "marcus.com",
      "logo_url": "https://unavatar.io/marcus.com?fallback=false",
      "name": "Marcus by Goldman Sachs",
      "provider": "Marcus by Goldman Sachs",
      "score": 71.0,
      "source_url": "https://www.marcus.com/us/en/personal-loans",
      "subscores": {
        "annual_percentage_rate": 66.0,
        "customer_reviews": 33.0,
        "funding_speed": 50.0,
        "loan_term": 83.0,
        "monthly_payment": 79.0,
        "origination_fee": 100.0,
        "prequalification_available": 100.0
      },
      "values": {
        "annual_percentage_rate": 6.99,
        "customer_reviews": "Good",
        "debt_payoff_support": false,
        "estimated_monthly_payment": 340.0,
        "funding_speed": "Standard",
        "loan_amount": 30000.0,
        "loan_term": 6.0,
        "minimum_credit_score_required": "Good",
        "monthly_payment": 0.58,
        "origination_fee": 0.0,
        "prequalification_available": true
      },
      "verified": false
    },
    {
      "badges": [],
      "derived": [
        "monthly_payment"
      ],
      "description": "Discover provides personal loans that can be used for debt consolidation with no origination fees.",
      "estimated": true,
      "link_url": "https://www.discover.com/",
      "logo_dom": "discover.com",
      "logo_url": "https://unavatar.io/discover.com?fallback=false",
      "name": "Discover Personal Loans",
      "provider": "Discover",
      "score": 69.0,
      "source_url": "https://www.discover.com/personal-loans/debt-consolidation/",
      "subscores": {
        "annual_percentage_rate": 66.0,
        "customer_reviews": 0.0,
        "funding_speed": 50.0,
        "loan_term": 100.0,
        "monthly_payment": 79.0,
        "origination_fee": 100.0,
        "prequalification_available": 100.0
      },
      "values": {
        "annual_percentage_rate": 6.99,
        "customer_reviews": "Excellent",
        "debt_payoff_support": false,
        "estimated_monthly_payment": 340.0,
        "funding_speed": "Standard",
        "loan_amount": 25000.0,
        "loan_term": 5.0,
        "minimum_credit_score_required": "Good",
        "monthly_payment": 0.58,
        "origination_fee": 0.0,
        "prequalification_available": true
      }
    },
    {
      "badges": [],
      "derived": [
        "monthly_payment"
      ],
      "description": "Best Egg provides debt consolidation loans with a focus on quick funding and a user-friendly application process.",
      "estimated": true,
      "link_url": "https://www.bestegg.com/",
      "logo_dom": "best.com",
      "logo_url": "https://unavatar.io/best.com?fallback=false",
      "name": "Best Egg",
      "provider": "Best Egg",
      "score": 65.0,
      "source_url": "https://www.bestegg.com/debt-consolidation-loans/",
      "subscores": {
        "annual_percentage_rate": 55.0,
        "customer_reviews": 33.0,
        "funding_speed": 0.0,
        "loan_term": 100.0,
        "monthly_payment": 74.0,
        "origination_fee": 100.0,
        "prequalification_available": 100.0
      },
      "values": {
        "annual_percentage_rate": 7.49,
        "customer_reviews": "Good",
        "debt_payoff_support": false,
        "estimated_monthly_payment": 355.0,
        "funding_speed": "Fast",
        "loan_amount": 22000.0,
        "loan_term": 5.0,
        "minimum_credit_score_required": "Good",
        "monthly_payment": 0.62,
        "origination_fee": 0.0,
        "prequalification_available": true
      },
      "verified": false
    },
    {
      "badges": [],
      "derived": [
        "monthly_payment"
      ],
      "description": "LightStream, a division of Truist, offers competitive rates on unsecured loans for debt consolidation.",
      "estimated": true,
      "link_url": "https://www.lightstream.com/",
      "logo_dom": "lightstream.com",
      "logo_url": "https://unavatar.io/lightstream.com?fallback=false",
      "name": "LightStream",
      "provider": "LightStream",
      "score": 65.0,
      "source_url": "https://www.lightstream.com/debt-consolidation-loans",
      "subscores": {
        "annual_percentage_rate": 89.0,
        "customer_reviews": 0.0,
        "funding_speed": 50.0,
        "loan_term": 83.0,
        "monthly_payment": 92.0,
        "origination_fee": 100.0,
        "prequalification_available": 0.0
      },
      "values": {
        "annual_percentage_rate": 5.99,
        "customer_reviews": "Excellent",
        "debt_payoff_support": false,
        "estimated_monthly_payment": 320.0,
        "funding_speed": "Standard",
        "loan_amount": 28000.0,
        "loan_term": 6.0,
        "minimum_credit_score_required": "Excellent",
        "monthly_payment": 0.5,
        "origination_fee": 0.0,
        "prequalification_available": false
      },
      "verified": false
    },
    {
      "badges": [],
      "best_for": "Good-to-excellent credit borrowers who want no fees and unemployment protection.",
      "cons": [],
      "derived": [
        "monthly_payment"
      ],
      "description": "SoFi is an online lender with less overhead than a traditional bank, offering personal loans for debt consolidation.",
      "link_url": "https://sofi.com/",
      "logo_dom": "sofi.com",
      "logo_url": "https://unavatar.io/sofi.com?fallback=false",
      "name": "SoFi",
      "pros": [
        "No fees",
        "Unemployment protection"
      ],
      "provider": "SoFi",
      "score": 53.0,
      "source_url": "https://www.debt.org/consolidation/companies/",
      "subscores": {
        "annual_percentage_rate": 66.0,
        "customer_reviews": 33.0,
        "funding_speed": 0.0,
        "loan_term": 0.0,
        "monthly_payment": 69.0,
        "origination_fee": 100.0,
        "prequalification_available": 100.0
      },
      "values": {
        "annual_percentage_rate": "6.99-35.49",
        "credit_score_minimum": "Good",
        "customer_reviews": "Good",
        "debt_payoff_support": false,
        "estimated_monthly_payment": 350.0,
        "funding_speed": "Fast",
        "loan_amount": "5000-100000",
        "loan_term": "2,3,5,7",
        "minimum_credit_score_required": "Good",
        "monthly_payment": 0.67,
        "origination_fee": "0",
        "prequalification_available": true
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Borrowers with lower credit scores, down to 550.",
      "cons": [
        "Rates run high"
      ],
      "derived": [
        "monthly_payment"
      ],
      "description": "Avant is a debt consolidation loan option for lower credit scores, though rates can be high.",
      "link_url": "https://avant.com/",
      "logo_dom": "avant.com",
      "logo_url": "https://unavatar.io/avant.com?fallback=false",
      "name": "Avant",
      "pros": [
        "Accepts lower credit scores"
      ],
      "provider": "Avant",
      "score": 39.0,
      "source_url": "https://www.debt.org/consolidation/companies/",
      "subscores": {
        "annual_percentage_rate": 0.0,
        "customer_reviews": 33.0,
        "funding_speed": 0.0,
        "loan_term": 100.0,
        "monthly_payment": 55.0,
        "origination_fee": 0.0,
        "prequalification_available": 100.0
      },
      "values": {
        "annual_percentage_rate": "9.95-35.99",
        "credit_score_minimum": "Poor",
        "customer_reviews": "Good",
        "debt_payoff_support": false,
        "estimated_monthly_payment": 370.0,
        "funding_speed": "Fast",
        "loan_amount": 20000.0,
        "loan_term": 5.0,
        "minimum_credit_score_required": "Fair",
        "monthly_payment": 0.83,
        "origination_fee": "9.99",
        "prequalification_available": true
      },
      "verified": true
    },
    {
      "badges": [],
      "derived": [
        "monthly_payment"
      ],
      "estimated": true,
      "link_url": "https://wellsfargo.com/",
      "name": "Wells Fargo",
      "score": 33.0,
      "subscores": {
        "annual_percentage_rate": 72.0,
        "monthly_payment": 82.0
      },
      "values": {
        "annual_percentage_rate": "6.74%-25.99%",
        "credit_score_minimum": "~660",
        "customer_reviews": null,
        "debt_payoff_support": null,
        "funding_speed": null,
        "loan_amount": null,
        "loan_term": null,
        "monthly_payment": 0.56,
        "origination_fee": null,
        "prequalification_available": null
      }
    },
    {
      "badges": [],
      "derived": [
        "monthly_payment"
      ],
      "estimated": true,
      "link_url": "https://prosper.com/",
      "name": "Prosper",
      "score": 25.0,
      "subscores": {
        "annual_percentage_rate": 21.0,
        "funding_speed": 0.0,
        "monthly_payment": 61.0,
        "origination_fee": 90.0
      },
      "values": {
        "annual_percentage_rate": "8.99%-35.99%",
        "credit_score_minimum": "640",
        "customer_reviews": null,
        "debt_payoff_support": null,
        "funding_speed": "Fast",
        "loan_amount": null,
        "loan_term": null,
        "monthly_payment": 0.75,
        "origination_fee": "1%-9.99%",
        "prequalification_available": null
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://achievepersonalloans.com/",
      "name": "Achieve Personal Loans",
      "score": 0.0,
      "subscores": {},
      "values": {
        "annual_percentage_rate": null,
        "credit_score_minimum": null,
        "customer_reviews": null,
        "debt_payoff_support": null,
        "funding_speed": null,
        "loan_amount": null,
        "loan_term": null,
        "monthly_payment": null,
        "origination_fee": null,
        "prequalification_available": null
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-debt-consolidation-loans.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best debt consolidation loans",
  "source": "CompareFairly",
  "title": "Best Debt Consolidation Loans",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-debt-consolidation-loans"
}