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Execs and Cons of Consolidating Credit score Card Debt


Credible Ranking

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Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


9.95% – 35.99% APR
$2,000 to $35,000**
  • Fastened APR:

    9.95% – 35.99% APR
  • Variable APR:
    N/A
  • Min. credit score rating:
    550
  • Mortgage quantity:
    $2,000 to $35,000**
  • Mortgage phrases (years):
    2, 3, 4, 5*
  • Time to fund:
    As quickly as the subsequent enterprise day (if authorised by 4:30 p.m. CT on a weekday)
  • Charges:
    Origination charge
  • Reductions:
    Autopay
  • Eligibility:
    Obtainable in all states besides CO, IA, HI, VT, NV NY, WV
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure
  • Mortgage servicer:
    Avant
  • Mortgage Makes use of:
    Debt consolidation, emergency expense, life occasion, dwelling enchancment, and different functions
  • Min. Earnings:
    $1,200 month-to-month


Credible Ranking

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Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


7.99% – 15.19% APR
$10,000 to $50,000
  • Fastened APR:

    7.99% – 15.19% APR
  • Variable APR:
    N/A
  • Min. credit score rating:
    700
  • Mortgage quantity:
    $10,000 to $50,000
  • Mortgage phrases (years):
    3 to six
  • Time to fund:
    Subsequent enterprise day
  • Charges:
    No prepayment penalty
  • Reductions:
    None
  • Eligibility:
    Obtainable in all 50 states
  • Customer support:
    Telephone
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    Doesn’t disclose
  • Mortgage Makes use of:
    Debt consolidation, dwelling enchancment, self-employment, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


7.99% – 35.99% APR
$5,000 to $50,000
  • Fastened APR:

    7.99% – 35.99% APR
  • Variable APR:
    N/A
  • Min. credit score rating:
    600
  • Mortgage quantity:
    $2,000 to $50,000
  • Mortgage phrases (years):
    2, 3, 4, 5
  • Time to fund:
    As quickly as 1 to three enterprise days after profitable verification
  • Charges:
    Origination charge
  • Reductions:
    None
  • Eligibility:
    Obtainable in all states besides DC, IA, VT, and WV
  • Customer support:
    Telephone
  • Smooth credit score verify:
    Sure
  • Mortgage servicer:
    Finest Egg and Blue Ridge Financial institution
  • Min. Earnings:
    None
  • Mortgage Makes use of:
    Bank card refinancing, debt consolidation, dwelling enchancment, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


5.99% – 24.99% APR
$2,500 to $35,000
  • Fastened APR:

    5.99% – 24.99% APR
  • Min. credit score rating:
    660
  • Mortgage quantity:
    $2,500 to $35,000
  • Mortgage phrases (years):
    3, 4, 5, 6, 7
  • Time to fund:
    As quickly as the subsequent enterprise day after acceptance
  • Charges:
    Late charge
  • Reductions:
    None
  • Eligibility:
     Obtainable in all 50 states
  • Customer support:
    Telephone
  • Smooth credit score verify:
    Sure
  • Mortgage Makes use of:
    Auto restore, bank card refinancing, debt consolidation, dwelling rework or restore, main buy, medical bills, taxes, trip, and wedding ceremony


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


7.99% – 29.99% APR
$7,500 to $50,000
  • Fastened APR:

    7.99% – 29.99% APR
  • Min. credit score rating:
    Doesn’t disclose
  • Mortgage quantity:
    $10,000 to $50,000
  • Mortgage phrases (years):
    2, 3, 4, 5
  • Time to fund:
    As quickly as 2 enterprise days
  • Charges:
    Origination charge
  • Reductions:
    No
  • Eligibility:
    Obtainable in all states besides CO, CT, HI, KS, NH, NY, ND, OR, VT, WV, WI, and WY
  • Customer support:
    Telephone
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    None
  • Mortgage Makes use of:
    Debt consolidation, dwelling enchancment, wedding ceremony, journey, medical bills, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


5.99% – 24.99% APR
$5,000 to $40,000
  • Fastened APR:

    5.99% – 24.99% APR
  • Min. credit score rating:
    600
  • Mortgage quantity:
    $5,000 to $40,000
  • Mortgage phrases (years):
    2, 3, 4, 5
  • Time to fund:
    As quickly as 2 to five enterprise days after verification
  • Charges:
    Origination charge
  • Reductions:
    None
  • Eligibility:
    Obtainable in all states besides MA and NV
  • Customer support:
    Telephone, e mail, chat
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    None
  • Mortgage Makes use of:
    Debt consolidation and bank card consolidation solely


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


7.04% – 35.89% APR
$1,000 to $40,000
  • Fastened APR:

    7.04% – 35.89% APR
  • Min. credit score rating:
    600
  • Mortgage quantity:
    $1,000 to $40,000
  • Mortgage phrases (years):
    3, 5
  • Time to fund:
    Normally takes about 2 days
  • Charges:
    Origination charge
  • Reductions:
    None
  • Eligibility:
    Obtainable in all 50 states
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure
  • Mortgage servicer:
    LendingClub Financial institution
  • Min. Earnings:
    None
  • Mortgage Makes use of:
    Debt consolidation, paying off bank cards, dwelling enchancment, pool loans, holidays, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


7.99% – 35.99% APR
$2,000 to $36,500
  • Fastened APR:

    7.99% – 35.99% APR
  • Min. credit score rating:
    580
  • Mortgage quantity:
    $2,000 to $36,500
  • Mortgage phrases (years):
    2, 3, 4, 5, 6
  • Time to fund:
    As quickly as the subsequent enterprise day
  • Charges:
    Origination charge
  • Reductions:
    Autopay
  • Eligibility:
    Obtainable in all states besides NV and WV
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    $20,000
  • Mortgage Makes use of:
    Residence enchancment, consolidate debt, bank card refinancing, relocate, make a big buy, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


4.49% – 19.99% APR
$5,000 to $100,000
  • Fastened APR:

    4.49% – 19.99% APR
  • Min. credit score rating:
    660
  • Mortgage quantity:
    $5,000 to $100,000
  • Mortgage phrases (years):
    2, 3, 4, 5, 6, 7*
  • Time to fund:
    As quickly as the identical enterprise day
  • Charges:
    None
  • Reductions:
    Autopay
  • Eligibility:
    Obtainable in all states besides RI and VT
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    No
  • Mortgage servicer:
    LightStream
  • Min. Earnings:
    Doesn’t disclose
  • Mortgage Makes use of:
    Bank card refinancing, debt consolidation, dwelling enchancment, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


6.99% – 24.99% APR1
$3,500 to $40,0002
  • Fastened APR:

    6.99% – 24.99% APR1
  • Min. credit score rating:
    660

    (TransUnion FICO®️ Rating 9)
  • Mortgage quantity:
    $3,500 to $40,0002
  • Mortgage phrases (years):
    3, 4, 5, 6
  • Time to fund:
    Many Marcus prospects obtain funds in as little as three days
  • Charges:
    None
  • Reductions:
    Autopay
  • Eligibility:
    Obtainable in all 50 states
  • Customer support:
    Telephone
  • Smooth credit score verify:
    Sure
  • Mortgage servicer:
    Goldman Sachs
  • Min. Earnings:
    $30,000
  • Mortgage Makes use of:
    Bank card refinancing, debt consolidation, dwelling enchancment, main buy, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


18.0% – 35.99% APR
$1,500 to $20,000
  • Fastened APR:

    18.0% – 35.99% APR
  • Min. credit score rating:
    None
  • Mortgage quantity:
    $1,500 to $20,000
  • Mortgage phrases (years):
    2, 3, 4, 5
  • Time to fund:
    As quickly as the identical day, however often requires a go to to a department workplace
  • Charges:
    Origination charge
  • Reductions:
    None
  • Eligibility:
    Will need to have picture I.D. issued by U.S. federal, state or native authorities
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    Doesn’t disclose


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


7.74% – 17.99% APR
$600 to $50,000
(relying on mortgage time period)
  • Fastened APR:

    7.74% – 17.99% APR
  • Min. credit score rating:
    660
  • Mortgage quantity:
    $600 to $50,000*
  • Mortgage phrases (years):
    1, 2, 3, 4, 5
  • Time to fund:
    2 to 4 enterprise days after verification
  • Charges:
    None
  • Reductions:
    None
  • Eligibility:
    Doesn’t disclose
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    No
  • Min. Earnings:
    Doesn’t disclose
  • Mortgage Makes use of:
    Debt consolidation, dwelling enchancment, transportation, medical, dental, life occasions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


6.99% – 35.99% APR
$2,000 to $50,000
  • Fastened APR:

    6.99% – 35.99% APR
  • Min. credit score rating:
    640
  • Mortgage quantity:
    $2,000 to $50,000
  • Mortgage phrases (years):
    2, 3, 4, 5
  • Time to fund:
    As quickly as one enterprise day
  • Charges:
    Origination charge
  • Reductions:
    None
  • Eligibility:
    Obtainable in all states besides IA, ND, WV
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    None
  • Mortgage Makes use of:
    Debt consolidation, dwelling enchancment, autos, small enterprise, new child bills, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


5.99% – 35.99% APR
$3,500 to $40,000
  • Fastened APR:

    5.99% – 35.99% APR
  • Min. credit score rating:
    600
  • Mortgage quantity:
    $3,500 to $40,000
  • Mortgage phrases (years):
    2, 3, 4, 5
  • Time to fund:
    90% funded inside a day13
  • Charges:
    Origination Charge, $15 Late Charge, $25 NSF Charge
  • Reductions:
    None
  • Eligibility:
    Obtainable in all states besides CO, CT, ME, NV, NH, TN, VT, WV, WY, and all U.S. Territories
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure
  • Mortgage servicer:
    Attain Monetary
  • Min. Earnings:
    $1,000 month-to-month
  • Mortgage Makes use of:
    Debt consolidation, bank card refinancing


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


7.99% – 23.43% APR10
$5,000 to $100,000
  • Fastened APR:

    7.99% – 23.43% APR10
  • Min. credit score rating:
    Doesn’t disclose
  • Mortgage quantity:
    $5,000 to $100,000
  • Mortgage phrases (years):
    2, 3, 4, 5, 6, 7
  • Time to fund:
    3 enterprise days
  • Charges:
    None
  • Reductions:
    Autopay
  • Eligibility:
    Obtainable in all states besides MS
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    Doesn’t disclose
  • Mortgage Makes use of:
    Solely for private, household, or family makes use of


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


11.69% – 35.93% APR7
$1,000 to $20,000
  • Fastened APR:

    11.69% – 35.93% APR7
  • Min. credit score rating:
    560
  • Mortgage quantity:
    $1,000 to $50,000
  • Mortgage phrases:
    3 to five years 8
  • Time to fund:
    Inside in the future, as soon as authorised9
  • Mortgage varieties:
    Debt consolidation, repay bank cards, dwelling enhancements, sudden bills, dwelling and auto repairs, weddings, and different main purchases
  • Charges:
    Origination charge
  • Reductions:
    Autopay
  • Eligibility:
    A U.S. citizen or everlasting resident; not obtainable in DC, SC, WV
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


7.46% – 35.97% APR
$1,000 to $50,000
  • Fastened APR:

    7.46% – 35.97% APR
  • Min. credit score rating:
    560
  • Mortgage quantity:
    $1,000 to $50,000*
  • Mortgage phrases (years):
    2, 3, 5, 6
  • Time to fund:
    Inside a day of clearing vital verifications
  • Charges:
    Origination charge
  • Reductions:
    Autopay
  • Eligibility:
    Obtainable in all states besides West Virginia
  • Customer support:
    E mail
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    Doesn’t disclose
  • Mortgage Makes use of:
    Debt consolidation, bank card refinancing, dwelling enchancment, and different functions


Credible Ranking

icon help dark

Credible lender scores are evaluated by our editorial workforce with the assistance of our mortgage operations workforce. The ranking standards for lenders embody 78 information factors spanning rates of interest, mortgage phrases, eligibility requirement transparency, compensation choices, charges, reductions, customer support, cosigner choices, and extra. Learn our full methodology.


5.4% – 35.99% APR4
$1,000 to $50,0005
  • Fastened APR:

    5.4% – 35.99% APR4
  • Min. credit score rating:
    580
  • Mortgage quantity:
    $1,000 to $50,0005
  • Mortgage phrases (years):
    3 to five years4
  • Time to fund:
    As quick as 1 enterprise day6
  • Charges:
    Origination charge
  • Reductions:
    None
  • Eligibility:
    Obtainable in all 50 states
  • Customer support:
    Telephone, e mail
  • Smooth credit score verify:
    Sure
  • Min. Earnings:
    $12,000
  • Mortgage Makes use of:
    Payoff bank cards, consolidate debt, take a course or bootcamp, relocate, make a big buy, and different functions
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All APRs replicate autopay and loyalty reductions the place obtainable | LightStream disclosure | 10SoFi Disclosures | Learn extra about Charges and Phrases

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