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Top Credit Card Debt Consolidation Loans December 2024
Pay off all your credit card bills in one installment
Apply online today and start building a plan to lower your interest rate, decrease your monthly payments and pay all your credit card bills in one installment.
Best Debt Consolidation Loans
December 2024
Apply online today and start building a plan to lower your interest rate, decrease your monthly payments and pay all your credit card bills in one installment.
Best Debt Consolidation Loans
December 2024
Updated December 2024

Filter the best options for you:

1
Editor's Choice
8.1
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.9
Customer Engagement
Based on click-share
7.5
Products & Offerings
8.2
8.1
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.9
Customer Engagement
Based on click-share
7.5
Products & Offerings
8.2
  • Best for debt above $15K
  • Free savings estimate
  • High customer satisfaction
Read More
No upfront fees
Read More
Get My Rate
Visit ClearOne Advantage
2
Our Pick for Debt Under $10K
8.3
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.9
Customer Engagement
Based on click-share
7.8
Products & Offerings
8.0
8.3
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
9.9
Customer Engagement
Based on click-share
7.8
Products & Offerings
8.0
  • Best for debt above $1K
  • No “middleman fees” charged
  • Easy-to-use filters
Read More
Large network of loan providers
Read More
Get My Rate
Visit Bankrate
Compare Between Top Lenders
Use this side-by-side comparison table to help you find the right lender.
Features
8.1
8.3
BBB Rating
NR, accredited
A-, not accredited
Min. Debt Amount
$15,000
$1,000
Loan Term
24-60 months
12-84 months
In Business Since
2007
1976
Customer Service
Phone & email
Online form
Our Top Pick
Best Overall
8.1
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.9
Customer Engagement
Based on click-share
7.5
Products & Offerings
8.2
8.1
Very Good
Scores are calculated based on:
Brand Performance
Based on data insights
8.9
Customer Engagement
Based on click-share
7.5
Products & Offerings
8.2
  • Best for debt above $15K
  • Free savings estimate
  • High customer satisfaction
Read More
No upfront fees
Read More
Get My Rate
Visit ClearOne Advantage
FAQs About Debt Consolidation Loans
Looking to improve your financial well-being and consolidate your debt? In addition to comparing the top debt consolidation lenders, we've compiled some of the most commonly asked questions about debt consolidation.
What is debt consolidation?
Debt consolidation refers to a financial strategy that combines high-interest debts into a single, lower-interest monthly payment. Consolidation loans have fixed terms and fixed interest rates, so you can take control of your debt, know exactly when you will be debt-free, and pay off your debt faster.
How does debt consolidation work?
Those looking to consolidate debt usually have two different options. A 0% interest, balance-transfer credit card involves transferring debts onto the card and paying the balance in full during a promotional period. Another type of debt consolidation provides a fixed-rate personal loan in which borrowers use the money from the loan to pay off debts before paying back the loan in installments according to new terms.
Does debt consolidation affect credit?
Debt consolidation can help improve credit if it helps someone make payments on time while also reducing the amount of money owed on different accounts. However, credit can suffer if the person continues to run up credit card balances again or miss payments.
What is the best debt consolidation solution?
The best debt consolidation lender for you will depend on several factors, including the amount of debt, type of debt (s), financial history, and what type of terms you are looking for. Those looking for a quality debt consolidation loan should consider these factors and review the different options using our comparison and in-depth reviews.
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