Best Personal Loans For Consolidating Debt & Credit Cards in the USA in 2025

I'm going to walk you through over 10 different criteria on over 6 top lenders that provide personal loans for consolidating debt & credit cards to make sure you know what lender is right for you. I want you informed and get the right option for you.

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Video Timeline: Best Personal Loans For Consolidating Debt and Credit Cards in the USA in 2025
00:00 - Advantage of consolidating
00:48 - Direct debt payoff when consolidating
01:15 - Best Egg
02:35 - Citi
03:23 - Happy Money
04:15 - LendingClub
05:08 - Sofi
06:20 - Upgrade
07:44 - 5 honorable mention lenders
08:15 - Hints about shopping around
09:11 - Comment, Like, Subscribe

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Best Egg
Best Egg offers loans to people with credit scores above 620. Their APRs range from 7.99% and 35.99%. Of course, that top range might be too high to consolidate other debt. Remember that you want to get a consolidation loan that has an APR that is at least 2 - 3 percentage points lower than the interest rate on the debt you want to consolidate. Best Egg lends between $2,000 and $50,000 at terms between 3 and 5 years. Three years seems a little long if you are borrowing only $2,000, so you will want to keep an eye on that. They charge origination fees between 0.99% and 8.99%. Best Egg offers unsecured loans, like all the other lenders on this list, but they can also secure your loan with a lien against your motor vehicle or the fixtures permanently attached to your home.

Citi
Citi is the consumer banking division of Citigroup. They offer debt consolidation loans to people with Good-to-Excellent credit. They lend between $2,000 and $30,000 with terms up to 5 years. Their APRs range from a low of 10.49% to a high of 20.49%. They offer a discount if you sign up for autopay at the time that you accept the loan. And they offer discounts to their priority customers. One great thing about Citi is that they don’t charge origination fees or late fees.

Happy Money
Happy Money is a fintech company that connects potential borrowers to credit unions. Their lowest APR isn’t particularly special in this group (11.72%), but their top rate of 17.99% is one of the best in the industry. They claim that they will lend to people with credit scores as low as 640, which is pretty forgiving, especially because of their low APRs. They won’t lend less than $5,000 or more than $40,000. $40,000 is still one of the lower top rates on this list. They do charge an origination fee between 1.5% and 5.5%.

LendingClub
LendingClub claims that they will approve people with credit scores as low as 600. They offer loans between $1,000 and $40,000 with terms between 2 and 5 years. Their APRs range from 8.98% and 35.99% and charge an origination fee between 3% and 8%. While the origination fee is accounted for in the APR, you want a lower origination fee if you plan on paying off the loan early since you don’t get a refund on the origination fee. If you are late on a payment, LendingClub will charge you either $15 or 5% of the late amount, whichever is greater.

Sofi
Sofi is one of the biggest fintech companies out there. They won’t lend less than $5,000, but their maximum loan amount is a whopping $100,000. Their loans have terms between 2 and 7 years. Their lowest APR is a respectable 8.99% and their top APR is 29.49%. They will focus on lending to people with Good-to-Excellent credit. Sofi will allow you to add a cosigner to your loan. A cosigner will help your application the most if their credit profile is stronger than yours. Sofi offers APR discounts when you sign up for autopay, when you are consolidating other debt, and when you have direct deposit into a Sofi bank account.

Upgrade
Upgrade serves people with Fair-to-Good credit. Their lowest rate (8.49%) is likely reserved for the top ten percent of their applicants. Their top APR of 35.99% is probably what people with credit scores in the low Fair range would get. Upgrade offers loans between $1,000 and $50,000 with terms between 2 and 7 years. Upgrade charges an origination fee that could be as high as 10%. They also offer loans that can be secured by the title to your motor vehicle. If you’re late on a payment, Upgrade will charge a $10 fee. If your ACH withdrawal fails, they will charge you a $10 failed payment fee. Upgrade does offer discounts for autopay, securing the loan, and for consolidation.