# Best Debt Consolidation Loans _CompareFairly · en/US · neutral comparison, cited sources, no paid placement_ **Category:** finance › loans › debt consolidation loans **Our pick**: Upstart (81/100) · **Cheapest**: Upstart · **Best value**: Upstart ## Comparison table | Criterion | Upstart | LendingClub | Marcus by Goldman Sachs | Discover Personal Loans | Best Egg | LightStream | | --- | --- | --- | --- | --- | --- | --- | | APR (%) | 5.5 | 5.96-35.99 | 7.0 | 7.0 | 7.5 | 6.0 | | Estimated Monthly Payment (USD) | 0.5 | 0.7 | 0.6 | 0.6 | 0.6 | 0.5 | | Origination Fee (%) | 0 | 0-8 | 0 | 0 | 0 | 0 | | Loan Amount (USD) | 15000 | 20000 | 30000 | 25000 | 22000 | 28000 | | Loan Term (years) | 5 | 5 | 6 | 5 | 5 | 6 | | 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 | - | - | - | - | - | - | ## 1. Upstart Upstart uses an AI-driven approach to lending, potentially offering options for those with less-than-perfect credit. _Source (estimate): [https://www.upstart.com/debt-consolidation-loans](https://www.upstart.com/debt-consolidation-loans)_ ## 2. LendingClub LendingClub, rebranding as Happen Bank, accepts fair credit and allows joint applications for debt consolidation loans. **Best for:** Borrowers with fair credit who need joint application options. **Pros:** - Accepts fair credit - Allows joint applications _Source (verified): [https://www.debt.org/consolidation/companies/](https://www.debt.org/consolidation/companies/)_ ## 3. Marcus by Goldman Sachs Marcus offers unsecured personal loans with no origination fees, suitable for consolidating debt. _Source (estimate): [https://www.marcus.com/us/en/personal-loans](https://www.marcus.com/us/en/personal-loans)_ ## 4. Discover Personal Loans Discover provides personal loans that can be used for debt consolidation with no origination fees. _Source (estimate): [https://www.discover.com/personal-loans/debt-consolidation/](https://www.discover.com/personal-loans/debt-consolidation/)_ ## 5. Best Egg Best Egg provides debt consolidation loans with a focus on quick funding and a user-friendly application process. _Source (estimate): [https://www.bestegg.com/debt-consolidation-loans/](https://www.bestegg.com/debt-consolidation-loans/)_ ## 6. LightStream LightStream, a division of Truist, offers competitive rates on unsecured loans for debt consolidation. _Source (estimate): [https://www.lightstream.com/debt-consolidation-loans](https://www.lightstream.com/debt-consolidation-loans)_ ## 7. SoFi SoFi is an online lender with less overhead than a traditional bank, offering personal loans for debt consolidation. **Best for:** Good-to-excellent credit borrowers who want no fees and unemployment protection. **Pros:** - No fees - Unemployment protection _Source (verified): [https://www.debt.org/consolidation/companies/](https://www.debt.org/consolidation/companies/)_ ## 8. Avant Avant is a debt consolidation loan option for lower credit scores, though rates can be high. **Best for:** Borrowers with lower credit scores, down to 550. **Pros:** - Accepts lower credit scores **Cons:** - Rates run high _Source (verified): [https://www.debt.org/consolidation/companies/](https://www.debt.org/consolidation/companies/)_ ## 9. Wells Fargo ## 10. Prosper ## 11. Achieve Personal Loans ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/US/best-debt-consolidation-loans — citation with a link is allowed; bulk extraction/redistribution is prohibited._