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How to get a Debt Consolidation Loan in just 5 steps
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How to Get a Consolidation Loan for Debt in 5 Easy Steps
The steps to get the debt consolidation loan include reviewing your credit score, comparing options and applying for the loan.
,
Updated on January 10 2023.
The majority or all of the products featured here come from our partners who pay us. This impacts the types of products we feature and the location and manner in which the product is featured on a page. However, this doesn't affect our opinions. Our opinions are our own. Here is a list of and .
Steps
Steps
A is a way to combine multiple high-interest debts into one payment, and assist you in paying off debt more quickly.
Here's how you can get an installment loan in five steps.
1. Check your credit score
Start by checking the credit scores of your. Creditors with excellent or good score (690 to 850 credit score) are more likely to be approved and get a low interest rate on a debt consolidation loan.
The ideal consolidation loan should have a lower than the combined interest rate on the other debts. A lower rate lowers the overall amount of debt you have and will aid in getting out of debt more quickly.
If you're a person with bad credit (300 or 629 in credit scores) and you're able to take some time to , you could be eligible for a low-interest loan. Here's how:
Pay off late payments. Late payments are reported to credit bureaus at 30 days past due, which could affect your credit score by 100 points or more. If you're within the 30 day window for a debt payment, you have time to make the debt.
Check for credit report errors. Incorrect information that appear on your credit reports, such as payments that are applied to incorrect accounts or debts that were incorrectly labeled closed, could be hurting your credit score. Check your credit reports for free at AnnualCreditReport.com and dispute any mistakes you find.
Repay small debts. In fact, debts owed make up 30% on your score. If you are able pay off any credit cards with high interest prior to deciding to consolidate. This can help you lower your interest and help you receive a lower interest rate on your consolidation loan.
>> COMPARE:
2. List your debts and payments
Create a list of debts you want to consolidate -- credit cards, store credit cards, payday loans and other high-interest loans. Then sum up the amount due. It is important to have your debt consolidation loan amount to be sufficient to pay for the sum of the debts.
Add the amount you each month pay towards your debts, and check your budget for any spending adjustments needed to continue payments on your debts. The new loan is likely to have a lower interest rate and a monthly payment that is with your financial plan. Set a repayment schedule keeping your budget in mind.
Check if it is logical to combine.
3. Compare loan options
Find the loan that is suitable for your needs. Credit unions, online lenders and banks offer personal loans for debt consolidation.
We cater to borrowers of all ranges of credit. Many online lenders allow you to pre-qualify to assess your own rates and terms without affecting your credit score.
are not-for-profit organizations that may offer lower rates for borrowers with bad or fair credit. You must become a member to apply for an loan and certain credit unions might require a when you apply, which can temporarily hurt your credit score.
work best for those with good or excellent credit. People who have an existing banking relationship might have a better time qualifying and may receive advantages such as a rate discount or access to larger loan amounts.
Look for lenders that offer direct payment to creditors, which makes consolidation easier. When the loan expires the lender transfers your loan funds to creditors without extra cost.
Take a look at other options that lenders provide, such as a rate discount for creating autopay, access to your credit score, or financial education that is free.
>> MORE:
Individual loans from our partners
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
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5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, such as the impact on credit scores, rates and fees, the customer experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
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5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
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on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on LightStream
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5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
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5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on Axos
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4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.
4.0 NerdWallet's rating is determined through our team of editors. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
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5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
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SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
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Loan amount $5,000 - $100,000
on SoFi
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4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
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Reach your goals
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including impact on credit score, fees and rates, customer experience and responsible lending practices.
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The loan amount is $5,000 to $50,000.
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APR 18.0-35.99 percent
Loan amount $1,500 - $20,000
on OneMain Financial
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4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on Discover
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5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
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5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on Achieve
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score rate and fees, customer service and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
Want to consolidate your debt? Find out if you qualify for an debt consolidation loan.
Answer a few simple questions and you'll receive personalized results from our lending partners.
Loan amount
on NerdWallet
4. You can apply for a loan
If you're ready , gather documents such as identification proof or address proof, as well as income verification.
Spend the time to study the loan contract's small print. Look for any , which could impact the total cost of the loan and verify that the lender is reporting on-time payment to three major credit bureaus. This could aid in building credit.
If you aren't meeting the lender's criteria, think about adding a excellent credit score on your loan application. This will help you obtain a loan that you wouldn't qualify for by yourself.
>> COMPARE:
5. Close the loan and make the required payments
Once you've located and were approved for the loan you're looking for but there's still one crucial remaining step.
If the lender offers direct payment, they will distribute the loan proceeds to your creditors, paying off your old loans. Verify your accounts for the absence of a balance or contact every creditor to make sure your accounts are paid.
If the lender doesn't pay your creditors, then the debt will be repaid by transferring the funds to your account at the bank. Do this right away to avoid any additional interest charges on old debts as well as reduce the temptation to spend the loan money elsewhere.
Then, within 30 days after receiving your debt consolidation loan you should make your first payment.
>> MORE:
Authors' Bios Steve Nicastro is a former NerdWallet authority on personal loans and small-business loans. His work has been featured in The New York Times and MarketWatch.
Jackie Veling covers personal loans for NerdWallet.
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Advertiser disclosure You're our first priority. Every time. We believe that every person should be able to make financial decisions without hesitation. While our website does not feature every business or financial product that is available on the market, we're proud that the advice we provide and the information we offer and the tools we create are impartial, independent simple, and completely free. So how do we earn money? Our partners compensate us. This can influence the products we review and write about (and where those products appear on our site) however it doesn't affect our recommendations or advice, which are grounded in many hours of research. Our partners are not able to promise us favorable review of their services or products. .
How to Get a Consolidation Loan for Debt in 5 Easy Steps
The steps to get the debt consolidation loan include reviewing your credit score, comparing options and applying for the loan.
,
Updated on January 10 2023.
The majority or all of the products featured here come from our partners who pay us. This impacts the types of products we feature and the location and manner in which the product is featured on a page. However, this doesn't affect our opinions. Our opinions are our own. Here is a list of and .
Steps
Steps
A is a way to combine multiple high-interest debts into one payment, and assist you in paying off debt more quickly.
Here's how you can get an installment loan in five steps.
1. Check your credit score
Start by checking the credit scores of your. Creditors with excellent or good score (690 to 850 credit score) are more likely to be approved and get a low interest rate on a debt consolidation loan.
The ideal consolidation loan should have a lower than the combined interest rate on the other debts. A lower rate lowers the overall amount of debt you have and will aid in getting out of debt more quickly.
If you're a person with bad credit (300 or 629 in credit scores) and you're able to take some time to , you could be eligible for a low-interest loan. Here's how:
Pay off late payments. Late payments are reported to credit bureaus at 30 days past due, which could affect your credit score by 100 points or more. If you're within the 30 day window for a debt payment, you have time to make the debt.
Check for credit report errors. Incorrect information that appear on your credit reports, such as payments that are applied to incorrect accounts or debts that were incorrectly labeled closed, could be hurting your credit score. Check your credit reports for free at AnnualCreditReport.com and dispute any mistakes you find.
Repay small debts. In fact, debts owed make up 30% on your score. If you are able pay off any credit cards with high interest prior to deciding to consolidate. This can help you lower your interest and help you receive a lower interest rate on your consolidation loan.
>> COMPARE:
2. List your debts and payments
Create a list of debts you want to consolidate -- credit cards, store credit cards, payday loans and other high-interest loans. Then sum up the amount due. It is important to have your debt consolidation loan amount to be sufficient to pay for the sum of the debts.
Add the amount you each month pay towards your debts, and check your budget for any spending adjustments needed to continue payments on your debts. The new loan is likely to have a lower interest rate and a monthly payment that is with your financial plan. Set a repayment schedule keeping your budget in mind.
Check if it is logical to combine.
3. Compare loan options
Find the loan that is suitable for your needs. Credit unions, online lenders and banks offer personal loans for debt consolidation.
We cater to borrowers of all ranges of credit. Many online lenders allow you to pre-qualify to assess your own rates and terms without affecting your credit score.
are not-for-profit organizations that may offer lower rates for borrowers with bad or fair credit. You must become a member to apply for an loan and certain credit unions might require a when you apply, which can temporarily hurt your credit score.
work best for those with good or excellent credit. People who have an existing banking relationship might have a better time qualifying and may receive advantages such as a rate discount or access to larger loan amounts.
Look for lenders that offer direct payment to creditors, which makes consolidation easier. When the loan expires the lender transfers your loan funds to creditors without extra cost.
Take a look at other options that lenders provide, such as a rate discount for creating autopay, access to your credit score, or financial education that is free.
>> MORE:
Individual loans from our partners
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on the factors we believe to be beneficial to consumers, such as the impact on credit scores, rates and fees, the customer experience and responsible lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score rates and fees, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be a good choice for consumers, such as the impact on credit scores rate and fees, customer service and responsible lending practices.
APR 7.99-29.99%
Amount of loan: $5,000 - $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be friendly to consumers, such as the impact on credit score, rates and fees, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on factors we consider to be a good choice for consumers, such as impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 7.74-17.99%
The loan amount is $600-$50,000.
on PenFed Credit Union
On Upgrading
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5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be a good choice for consumers, such as impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and responsible lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on Axos
Axos
4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer service and responsible lending practices.
4.0 NerdWallet's rating is determined through our team of editors. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, such as impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-14.99%
The loan amount is $5,000 to $50,000.
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account factors we consider to be beneficial to the consumer, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 8.49-35.97%
The amount of the loan is $1,000.
On Upgrading
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be beneficial to the consumer, including the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, such as impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on Achieving
Reach your goals
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
on Achieve
on OneMain Financial
OneMain Financial
4.0 NerdWallet's ratings are compiled by the editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.0 NerdWallet's ratings are determined through our team of editors. The scoring formula takes into account the factors we believe to be consumer-friendly, including the impact on credit scores, rates and fees, customer service and ethical lending practices.
APR 18.0-35.99 percent
Loan amount $1,500 - $20,000
on OneMain Financial
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula considers factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers the factors we believe to be beneficial to consumers, including impact to credit score rate and fees, customer experience and ethical lending practices.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
on the Best Egg
Best Egg!
4.5 NerdWallet's ratings were determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 8.99-35.99%
Amount of loan $2,000 - $50,000
on the Best Egg
on Discover
Discover
5.0 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 6.99-24.99%
The loan amount is $2,500 to $35,000
on Discover
on Achieving
Achieve
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to the consumer, such as impact on credit score, fees and rates customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates customers' experience, and ethical lending practices.
APR 7.99-29.99%
The loan amount is $5,000 to $50,000.
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including the impact on credit score rates and fees, the customer experience and responsible lending practices.
APR 11.69-35.93%
Amount of loan: $1,000 - $50,000
on Universal Credit
on Discover
Discover
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we believe are consumer-friendly, including impact to credit score, rates and fees as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account factors we consider to be a good choice for consumers, such as the impact on credit score rate and fees, customer service and ethical lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Upstart
Upstart
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula considers the factors we believe to be consumer-friendly, including impact to credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
on Achieve
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieving
on SoFi
SoFi
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including impact on credit score, fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we believe are beneficial to the consumer, such as impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula considers the factors we believe to be beneficial to consumers, including the impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula considers factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on aspects we believe are friendly to consumers, such as the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR Rates quoted are with AutoPay. 6.99-23.99%
Amount of loan: $5,000 - $100,000
on LightStream
on SoFi
SoFi
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula is based on aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
Amount of loan: $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we consider to be a good choice for consumers, such as impact to credit score, rates and fees, customer experience and responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
APR 11.69-35.93%
Loan amount $1,000 - $50,000
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, fees and rates, customer experience and ethical lending practices.
5.0 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score rate and fees, customer service and ethical lending practices.
APR 8.3-36.0%
Loan amount $1,000 - $40,000
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to consumers, including the impact on credit score, rates and fees customers' experience, and responsible lending practices.
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and responsible lending practices.
APR 6.5-35.99 percent
Amount of loan: $1,000 - $50,000
on Upstart
Want to consolidate your debt? Find out if you qualify for an debt consolidation loan.
Answer a few simple questions and you'll receive personalized results from our lending partners.
Loan amount
on NerdWallet
4. You can apply for a loan
If you're ready , gather documents such as identification proof or address proof, as well as income verification.
Spend the time to study the loan contract's small print. Look for any , which could impact the total cost of the loan and verify that the lender is reporting on-time payment to three major credit bureaus. This could aid in building credit.
If you aren't meeting the lender's criteria, think about adding a excellent credit score on your loan application. This will help you obtain a loan that you wouldn't qualify for by yourself.
>> COMPARE:
5. Close the loan and make the required payments
Once you've located and were approved for the loan you're looking for but there's still one crucial remaining step.
If the lender offers direct payment, they will distribute the loan proceeds to your creditors, paying off your old loans. Verify your accounts for the absence of a balance or contact every creditor to make sure your accounts are paid.
If the lender doesn't pay your creditors, then the debt will be repaid by transferring the funds to your account at the bank. Do this right away to avoid any additional interest charges on old debts as well as reduce the temptation to spend the loan money elsewhere.
Then, within 30 days after receiving your debt consolidation loan you should make your first payment.
>> MORE:
Authors' Bios Steve Nicastro is a former NerdWallet authority on personal loans and small-business loans. His work has been featured in The New York Times and MarketWatch.
Jackie Veling covers personal loans for NerdWallet.
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