9.9 Excellent
5/5
Reviews of the Top Debt Consolidation Companies
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Factors to Consider When Selecting a Debt Consolidation Company
With so many debt consolidation companies and websites to choose from, it can be overwhelming to find the right one. That’s why we’ve done the research for you and compiled a list of our top picks. Our rankings are based on a thorough evaluation of services offered, industry memberships and associations (such as the BBB and AFCC), advertised costs, and customer service. We believe that these factors are essential in determining the best debt consolidation options. By using our list, you can be confident that you’re choosing a reputable and effective company to help you manage your debt and improve your financial situation.
Our Selection of the Best Debt Consolidation Companies for 2024
Last Updated:
Wednesday, January 22, 2025
Rating
Minimum Debt: $20,000
- Qualify in minutes
- 4.9 stars on Trustpilot | AADR highest ethical standards
- No credit score required
2
3
4
5
Rating
9.2 Very Good
4.2/5
- Consolidates starts at $10,000 - $150,000
- A+ BBB Rating
- No credit score required | AADR highest ethical standard
Rating
9.0 Good
4/5
- Personalized loan offers in less than 60 seconds
- Lenders offering loan amounts $500 - $100,000
- APRs as low as 5.99% up to 34.99%
Rating
8.5 Good
3.5/5
- Consolidates multiple payments into one
- Over 700,000 client services
- Lower monthly payments and personalized options
Rating
8.3 Fair
3.3/5
- Provides credit counseling services
- Credit coaching | Extrapolate payment plans
- Specializes debt starting $5,000 - $250,000+
Rating
9.9
Excellent
4.95/5
PROGRAM FEATURES
- Qualify in minutes
- 4.9 stars on Trustpilot
- No credit score required
2
Rating
9.2
Very Good
4.2/5
PROGRAM FEATURES
- Consolidates starts at $10,000 - $300,000
- A+ BBB Rating | AADR highest ethical standard
- No credit score required
3
Rating
9.0
Good
4/5
PROGRAM FEATURES
- Personalized loan offers in less than 60 seconds
- Lenders offering loan amounts $500 - $100,000
- APRs as low as 5.99% up to 34.99%
4
Rating
8.5
Good
3.5/5
PROGRAM FEATURES
- Consolidates multiple payments into one
- Over 700,000 client services
- Lower monthly payments and personalized options
5
Rating
8.3
Fair
3.3/5
PROGRAM FEATURES
- Provides credit counseling services
- Credit coaching | Extrapolate payment plans
- Unsecured and secured loan options
Debt Consolidation Columns
Editor's Choice
Rating
9.9 Excellent
5/5
- Minimum Debt: $20,000
- Qualify in minutes
- 4.9 stars on Trustpilot | AADR highest ethical standards
- No credit score required
Debt Consolidation Columns
Are you considering consolidation? Find out more about the debt consolidation process and determine if it aligns with your financial goals.
Debt consolidation can be challenging. Maximize the benefits of consolidation by sidestepping these 5 typical errors.
FAQ
Most frequent questions and answers
Debt consolidation involves merging multiple debt payments into a single monthly payment. It simplifies your financial management by centralizing all your debts into one place, eliminating the need to track multiple bills and payments.
Debt consolidation can be achieved through several methods, with the following being the most popular:
- Utilizing a debt consolidation company
- Obtaining a personal loan for consolidation
- Transferring balances to a credit card for consolidation
Absolutely. Thousands of people use debt consolidation programs every year to tackle their toughest credit problems. It’s a good idea to check out the reputation of any program you’re considering: find out what other clients say about their experiences, see if the BBB has rated the company, and determine for yourself if their debt consolidation services are worth your time and money.
The method of debt consolidation you select can impact your ability to reduce interest expenses and lower your monthly payments. Certain loan options also permit you to make additional payments, accelerating the time it takes to repay the loan.
You may need to have a certain amount of unsecured debt to be accepted into a debt consolidation program (for example, $15,000 or more). If you’re struggling to keep up with the minimum payments on your credit cards and loans, you could be a great candidate for debt consolidation.
