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Last updated: May 2026How we rate

Best Debt Consolidation Loans

Turn 4 cards at 22% into one loan at half the APR.

If you're carrying revolving credit card balances at 18-29% APR, a debt consolidation loan at 8-15% can save thousands. The lenders below specifically support consolidation — some even pay your cards directly so you never see the cash. Compare carefully.

Are you eligible for a better rate?

1
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 5.99%–24.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate
More Details:

APR

5.99%–24.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

2
Beta Financial logo
Best for Lowest APR
Beta Financial951 reviews by Trustpilot
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Editorial review of Beta Financial is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.24%–24.49% APR
  • Loan amount: $1,000 to $100,000
7.8
Good
See my rate
More Details:

APR

6.24%–24.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

3
Gamma Bank logo
Best for Fast funding
Gamma Bank1,363 reviews by Trustpilot
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Editorial review of Gamma Bank is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.49%–23.99% APR
  • Loan amount: $1,000 to $100,000
8.0
Very good
See my rate
More Details:

APR

6.49%–23.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

620+ credit

4
Delta CU logo
Best for Bad credit
Delta CU1,775 reviews by Trustpilot
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Editorial review of Delta CU is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.74%–23.49% APR
  • Loan amount: $1,000 to $100,000
8.2
Very good
See my rate
More Details:

APR

6.74%–23.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

640+ credit

5
Epsilon Direct logo
Best for Large loans
Epsilon Direct2,187 reviews by Trustpilot
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Editorial review of Epsilon Direct is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.99%–22.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good
See my rate
More Details:

APR

6.99%–22.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

6
Zeta Capital logo
Best for Customer service
Zeta Capital2,599 reviews by Trustpilot
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Editorial review of Zeta Capital is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.24%–22.49% APR
  • Loan amount: $1,000 to $100,000
8.6
Very good
See my rate
More Details:

APR

7.24%–22.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

7
Eta Lending logo
Best for Soft credit pull
Eta Lending3,011 reviews by Trustpilot
Apply online in minutes

Editorial review of Eta Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.49%–21.99% APR
  • Loan amount: $1,000 to $100,000
8.8
Very good
See my rate
More Details:

APR

7.49%–21.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

620+ credit

8
Theta Loans logo
Best for No origination fee
Theta Loans3,423 reviews by Trustpilot
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Editorial review of Theta Loans is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.74%–21.49% APR
  • Loan amount: $1,000 to $100,000
9.0
Excellent
See my rate
More Details:

APR

7.74%–21.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

640+ credit

9
Iota Mortgage logo
Best for Repeat borrowers
Iota Mortgage3,835 reviews by Trustpilot
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Editorial review of Iota Mortgage is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.99%–20.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate
More Details:

APR

7.99%–20.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

10
Kappa Trust logo
Best for Branch network
Kappa Trust4,247 reviews by Trustpilot
Apply online in minutes

Editorial review of Kappa Trust is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 8.24%–20.49% APR
  • Loan amount: $1,000 to $100,000
7.8
Good
See my rate
More Details:

APR

8.24%–20.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

Our Top Choice

Most Popular on comparebankloans
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 5.99%–24.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate

Frequently asked questions

  • When does debt consolidation save money?
    When the new loan's APR is meaningfully lower than your weighted-average credit card APR, AND you don't run the cards back up. The math is straightforward — but the behavioral piece is what trips most people up.
  • Will consolidation hurt my credit score?
    Short-term: yes, a small drop from the hard pull + new account. Long-term: typically helps as your credit utilization drops to ~0% on the cards.
  • Should I close the cards after consolidating?
    Generally no. Keeping zero-balance cards open helps your credit utilization ratio and average account age — both important for your score.
  • What if the lender pays my cards directly?
    Some lenders (e.g., LightStream, Discover) wire payments directly to your card issuers. This prevents the temptation to keep the cash and increases approval odds with some lenders.