Upgrade: Best overall.
SoFi: Best for no fees.
Happy Money: Best for paying off credit card debt.
LightStream: Best for low rates.
Universal Credit: Best for bad credit.
Best Egg: Best for secured loan option.
Discover: Best for fast funding.
Achieve: Best for rate discounts.
LendingClub: Best for joint loans.
PNC: Best for bank loans.
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WHY OUR NERDS LOVE ITUpgrade stands out for debt consolidation loans, offering direct payment to creditors and a rate discount if you choose that option.
Best Debt Consolidation Loans
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 SoFi Personal Loan Top 3 most visited+ 11,700 recent visits
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5.0
/5 Best for No fees Rate discount
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8.99-25.81% |
$5,000-$100,000 |
None |
GO TO LENDER SITEon SoFi’s website on SoFi’s website on NerdWallet
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 Upgrade Top 3 most visited+ 11,500 recent visits
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5.0
/5 Best for Best overall Rate discount
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8.49-35.99% |
$1,000-$50,000 |
560 |
GO TO LENDER SITEon Upgrade’s website on Upgrade’s website on NerdWallet
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 Discover® Personal Loans |
5.0
/5 Best for Fast funding Fast funding
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7.99-24.99% |
$2,500-$40,000 |
660 |
GO TO LENDER SITEon Discover’s website on Discover’s website on NerdWallet
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 LightStream |
4.5
/5 Best for Low rates Rate discount
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8.49-25.49%
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$5,000-$100,000
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660 |
GO TO LENDER SITEon LightStream’s website on LightStream’s website on NerdWallet
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