Best Credit Card Consolidation Loans For People in the USA in 2025

Best Credit Card Consolidation Loans For People in the USA in 2025. I am going to give you all the details and options that might work best for you.

Apply for credit card consolidation loan - Soft Credit Check & Up To 40 Options: https://theyukonproject.com/product-c...

Video Timeline: Best Credit Card Consolidation Loans For People in the USA in 2025
00:00 - The problem with credit card debt
00:52 - How consolidation loans can make it easier to pay of credit card debt
01:16 - Direct debt payoff
01:50 - Best Egg
02:31 - Happy Money
02:57 - Citi
03:24 - Achieve
03:59 - Sofi
04:41 - LendingClub
05:12 - Upgrade
05:49 - The importance of shopping around
06:36 - Is balance transfer a good idea?
07:23 - Like and subscribe!

#CreditCardConsolidation
#DebtFreeJourney
#FinancialFreedom
#DebtConsolidationLoans
#SmartMoneyMoves

#USAFinance2025
#TopLoans2025
#AmericanBorrowers
#CreditSolutionsUSA

#BudgetBetter
#PersonalFinanceTips
#MoneyManagement
#FixYourCredit
#DebtHelp

Best Egg
Best Egg offer loans up to $50,000 and as little as $2,000. They have one of the lowest bottom APRs (7.99%) and will lend to people with credit scores of 620 and better. Fifty percent of the people who take their loans get the proceeds the next day. In addition to unsecured loans, they also offer secured loans, which can lower the APR you pay and increase the loan amount you can qualify for. Best Egg will let you secure your loan with permanent fixtures on your home. The loan is not secured by your actual home, so you don’t risk foreclosure if you have trouble repaying. They also offer an APR discount to homeowners.

Happy Money
Happy Money has the lowest top APR of any lender on this list (17.99%). If you are approved, you are guaranteed to get a rate lower than 18%. That’s great because consolidating is really only financially wise if you can get an APR that is at least 2 to 3 percentage points lower than the interest rate on your current balances. Happy Money focuses its business on people who are consolidating their credit card balances and are working towards being debt free.

Citi
You might be able to get a consolidation loan from your bank or credit union, but many don’t offer these types of loans. And the banks and credit unions that do, usually only offer it to their existing customers. Citi is one of the few exceptions. They focus on people with Good-to-Excellent credit, so they are more restrictive than most on this list. But, they don’t charge origination fees, late fees, or NSF fees. And they offer an APR discount if you sign up for autopay.

Achieve
Achieve offers several features that would be useful to someone who is trying to get out of debt: in addition to direct debt payoff, they offer a secured version, will lend to people with fair credit, and allow people to add a cosigner to their loan. A cosigner is someone who agrees to pay off the loan if you fail to. If your cosigner has a stronger credit profile than you do, it will significantly improve your application.

Sofi
Sofi will lend as much as $100,000. That’s the most of any lender on this list. Even if you have substantial debt, a Sofi loan should be able to handle it. Of course, you want to be careful taking out a loan that big. You will almost certainly need a longer loan term. And Sofi offers terms as long as seven years. If you do take a seven-year term, do what you can to make extra payments in the first year. That will save you a lot of money in interest and you will pay off the loan much faster. If you need a little support to get approved, Sofi will also allow you to add a cosigner to your loan. Also,Sofi offers several different discounts that can help you lower the interest rate you pay.

LendingClub
LendingClub claims to offer loans to people who have credit scores as low as 600. That’s the lowest on this list. So, if you have a credit score in the mid- or low-600s, LendingClub might be the lender for you. Of course, they will look at more than just your credit score. They will look at your income, your debt-to-income ratio, your payment history, among other things. LendingClub also offers one of the lowest minimum loan amounts ($1,000) on this list. This is great if your credit card balances haven’t gotten out of hand yet, but you want to still want to take care of them.

Upgrade
Upgrade offers loans between $1,000 and $50,000. If you need a little help in getting approved, they will accept cosigners and offer a secured version of the loans using the title to your motor vehicle. Normally, I don’t recommend trading unsecured debt for secured debt. Having your vehicle seized because you struggled to repay the loan can be a great way to make a bad situation worse. However, if securing the loan gets you the offer you need, it could actually make your financial situation more resilient. Upgrade offers discounts if you sign up for autopay, if you consolidate, and if you secure the loan with your car.