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How to Get a Loan to Consolidate Debt in 5 Steps
Advertiser disclosure You're our first priority. Every time. We believe everyone should be able to make sound financial decisions without hesitation. Although our site doesn't feature every company or financial product in the marketplace however, we're confident that the guidance we offer, the information we provide as well as the tools we design are impartial, independent, straightforward -- and completely free. So how do we earn money? Our partners pay us. This may influence which products we review and write about (and the places they are featured on our site), but it in no way affects our advice or suggestions that are based on thousands of hours of research. Our partners are not able to promise us favorable reviews of their products or services. .
How to get a Loan to Consolidate Debt in 5 Steps
The steps required to obtain a debt consolidation loan include looking over your credit report before comparing different options, then applying for an loan.
,
Updated on January 10 2023.
A majority of the items featured on this page come from our partners who compensate us. This impacts the types of products we review as well as the place and way the product appears on the page. However, this does not affect our assessments. Our opinions are entirely our own. Here is a list of and .
Steps
Steps
A will consolidate multiple high-interest debts into one payment. It will also help you pay off debt more quickly.
Here's how you can get a debt consolidation loan in just five steps.
1. Verify your credit score
Begin by examining the credit scores of your. Borrowers with good to excellent ratings (690 to credit score of 850) are more likely to win approval and receive a lower interest rate for a consolidation loan.
In the ideal scenario, the consolidation loan is supposed to have a lower rate than the combined interest rate on the other debts. A lower interest rate can reduce the total amount of debt you have and may assist you in getting rid of debt quicker.
If you have a bad credit score (300 up to 629 score) and need some time to get it, you may be eligible for a loan with a lower rate loan. Here's how:
Pay off late payments. The credit bureaus report late payments at 30-days past due, which can drop your credit score by up to 100 points. If you're within the 30 day window for a debt payment, there's still time to make it.
Check for credit report errors. Errors on your credit report, for example, payments made to the wrong debts or accounts incorrectly declared closed, may be affecting 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 percent of the credit score. If you can, pay down any credit cards with high interest prior to deciding to consolidate. This can improve your credit score , which can help you receive a lower interest rate on your consolidation loan.
>> COMPARE:
2. Write down your outstanding debts and your payments.
Write down the debts you want to consolidate such as credit cards as well as merchant credit cards payday loans and other high-interest loans. Then add the total amount due. You'll want your debt consolidation loan amount to be sufficient to pay for the entire amount due on the obligations.
Add the amount you make each month to your debts. Then, check the budget to see if there are any spending adjustments needed to continue debt repayments. The new loan should have a lower interest rate and a monthly amount that fits within your budget. Make a commitment to a repayment plan with your budget in mind.
Utilize a tool to determine if it makes sense to consolidate.
3. Compare loan options
Look for a loan that is suitable for your needs. Credit unions, online lenders and banks all offer personal loans for debt consolidation.
They cater to borrowers from different credit scores. The majority of online lenders allow you to pre-qualify to evaluate rates and terms that are tailored to your needs with no effect on your credit score.
are not-for-profit organizations that may provide lower rates to those who have fair or poor credit. You need to be a member in order to get the loan, and some credit unions may require a with your application, which can temporarily hurt you credit scores.
They are best suited to applicants with excellent or good credit scores. Customers who have an existing bank relationship might have a better to qualify and can enjoy advantages such as discounts on rates or access to larger loan amounts.
Look for lenders that offer direct payments to creditors, which eases the consolidation process. After the loan is completed the lender will send your loan profits to the creditors at no additional cost.
Take a look at other options that lenders provide, such as the chance to receive a discount on setting up autopay or accessibility to credit scores, or free financial education.
>> MORE:
Individual loans from our partners
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact on credit score, rates and fees customers' 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 consumer-friendly, including the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 8.3-36.0%
Amount of loan: $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account 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.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer experience and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on 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 consumers, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration 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 responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including 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 the factors we believe 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%
Loan amount $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on 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 responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, such as impact to credit score fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on Axos
Axos
4.0 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, rates and fees, customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined 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 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 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 customers' experience, and responsible lending practices.
5.0 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, rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to 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 Achieve
Attain
5.0 NerdWallet's ratings are compiled 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, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to the consumer, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined through our team of editors. 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 ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible 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 takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial team. 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 responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, customer experience and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Discover
Discover
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 the impact on credit score, rates and fees customers' experience, and ethical lending practices.
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 responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Achieve
5.0 NerdWallet's rating is determined by our editorial team. 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, customer experience and responsible 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, rates and fees customers' experience, and responsible 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 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 responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were 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, 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 beneficial to consumers, including the impact on credit scores rate 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 determined by our editorial staff. The scoring algorithm takes into consideration 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 ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, the customer experience 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 factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration 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.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
On Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and responsible 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 is based on 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 team. 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.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
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, customer experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on 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 team. The scoring formula is based on aspects we believe are consumer-friendly, including impact to 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 rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates 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 factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, customer service and ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
Are you looking to consolidate your debt? Find out if you qualify for the consolidation loan.
Answer a few simple questions and you'll receive personalized results from our lending partners.
The amount of the loan
on NerdWallet
4. Request a loan
When you're ready to collect documents like evidence of identity or address proof, as well as income verification.
Take the time to read carefully the loan document's fine print. Check for any clauses that could impact the total amount of the loan and verify that the lender makes timely payment to three primary credit bureaus, which can assist in building your credit.
If you're not meeting the lender's requirements, consider adding a or with high credit score to your application. This will help you obtain a loan that you wouldn't qualify for on your own.
>> COMPARE:
5. Closing the loan and make payments
Once you've located and been approved for the loan you're looking for but there's still one crucial next step to take.
If the lender offers direct payment, it will disburse your loan proceeds to your creditors, paying off any old dues. Check your accounts for a zero balance or call every creditor to make sure the accounts are paid off.
If the lender doesn't pay your creditors, then you'll repay each debt using the money that's transferred into your account in the bank. Make this payment immediately to avoid any additional interest charges on old debts as well as to eliminate the temptation to spend your loan money on other things.
In the 30 days of receiving your debt consolidation loan, pay your first installment.
>> MORE:
The authors' bios: Steve Nicastro is a former NerdWallet expert on personal loans and small business. Its work was featured by 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 everyone should be able to make sound financial decisions without hesitation. Although our site doesn't feature every company or financial product in the marketplace however, we're confident that the guidance we offer, the information we provide as well as the tools we design are impartial, independent, straightforward -- and completely free. So how do we earn money? Our partners pay us. This may influence which products we review and write about (and the places they are featured on our site), but it in no way affects our advice or suggestions that are based on thousands of hours of research. Our partners are not able to promise us favorable reviews of their products or services. .
How to get a Loan to Consolidate Debt in 5 Steps
The steps required to obtain a debt consolidation loan include looking over your credit report before comparing different options, then applying for an loan.
,
Updated on January 10 2023.
A majority of the items featured on this page come from our partners who compensate us. This impacts the types of products we review as well as the place and way the product appears on the page. However, this does not affect our assessments. Our opinions are entirely our own. Here is a list of and .
Steps
Steps
A will consolidate multiple high-interest debts into one payment. It will also help you pay off debt more quickly.
Here's how you can get a debt consolidation loan in just five steps.
1. Verify your credit score
Begin by examining the credit scores of your. Borrowers with good to excellent ratings (690 to credit score of 850) are more likely to win approval and receive a lower interest rate for a consolidation loan.
In the ideal scenario, the consolidation loan is supposed to have a lower rate than the combined interest rate on the other debts. A lower interest rate can reduce the total amount of debt you have and may assist you in getting rid of debt quicker.
If you have a bad credit score (300 up to 629 score) and need some time to get it, you may be eligible for a loan with a lower rate loan. Here's how:
Pay off late payments. The credit bureaus report late payments at 30-days past due, which can drop your credit score by up to 100 points. If you're within the 30 day window for a debt payment, there's still time to make it.
Check for credit report errors. Errors on your credit report, for example, payments made to the wrong debts or accounts incorrectly declared closed, may be affecting 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 percent of the credit score. If you can, pay down any credit cards with high interest prior to deciding to consolidate. This can improve your credit score , which can help you receive a lower interest rate on your consolidation loan.
>> COMPARE:
2. Write down your outstanding debts and your payments.
Write down the debts you want to consolidate such as credit cards as well as merchant credit cards payday loans and other high-interest loans. Then add the total amount due. You'll want your debt consolidation loan amount to be sufficient to pay for the entire amount due on the obligations.
Add the amount you make each month to your debts. Then, check the budget to see if there are any spending adjustments needed to continue debt repayments. The new loan should have a lower interest rate and a monthly amount that fits within your budget. Make a commitment to a repayment plan with your budget in mind.
Utilize a tool to determine if it makes sense to consolidate.
3. Compare loan options
Look for a loan that is suitable for your needs. Credit unions, online lenders and banks all offer personal loans for debt consolidation.
They cater to borrowers from different credit scores. The majority of online lenders allow you to pre-qualify to evaluate rates and terms that are tailored to your needs with no effect on your credit score.
are not-for-profit organizations that may provide lower rates to those who have fair or poor credit. You need to be a member in order to get the loan, and some credit unions may require a with your application, which can temporarily hurt you credit scores.
They are best suited to applicants with excellent or good credit scores. Customers who have an existing bank relationship might have a better to qualify and can enjoy advantages such as discounts on rates or access to larger loan amounts.
Look for lenders that offer direct payments to creditors, which eases the consolidation process. After the loan is completed the lender will send your loan profits to the creditors at no additional cost.
Take a look at other options that lenders provide, such as the chance to receive a discount on setting up autopay or accessibility to credit scores, or free financial education.
>> MORE:
Individual loans from our partners
Debt Consolidation Big Purchase Emergency Home Improvement Medical
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account factors we consider to be consumer-friendly, including impact on credit score, rates and fees customers' 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 consumer-friendly, including the impact on credit score, rates and fees, customer service and responsible lending practices.
APR 8.3-36.0%
Amount of loan: $1,000 - $40,000
on LendingClub
on Happy Money
Happy Money
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring formula takes into account 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.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit scores, rates and fees, customer experience and responsible lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $40,000
on Happy Money
on PenFed Credit Union
PenFed Credit Union
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on 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 consumers, including the impact on credit score, fees and rates as well as the customer's experience and ethical lending practices.
APR 7.74-17.99%
Loan amount $600 - $50,000
on PenFed Credit Union
on Upgrade
Upgrade
5.0 NerdWallet's rating is determined by our editorial staff. The scoring algorithm takes into consideration 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 responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be consumer-friendly, including impact to credit score, fees and rates customers' experience, and responsible lending practices.
APR 8.49-35.97%
Amount of loan: $1,000 - $50,000
on the Upgrade
on Upstart
Upstart
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including 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 the factors we believe 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%
Loan amount $1,000 - $50,000
on Upstart
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on 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 responsible lending practices.
5.0 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including impact on credit score, rates and fees as well as the customer's experience and responsible lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on LightStream
LightStream
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on aspects we consider to be beneficial to consumers, such as impact to credit score fees and rates customers' experience, and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring formula takes into account aspects we believe are consumer-friendly, including impact to credit score, fees and rates customers' experience, and ethical lending practices.
APR Rates are based on AutoPay. 6.99-23.99%
The loan amount is $5,000 to $100,000.
on LightStream
on Axos
Axos
4.0 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, rates and fees, customer experience and responsible lending practices.
4.0 NerdWallet's rating is determined by our editorial team. The scoring formula is based on the factors we believe to be a good choice for consumers, such as the impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 7.99-14.99%
Loan amount $5,000 - $50,000
on Axos
on Upgrade
Upgrade
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on aspects we believe are beneficial to the consumer, including the impact on credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined 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 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 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 customers' experience, and responsible lending practices.
5.0 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, rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on the Best Egg
Best Egg
4.5 NerdWallet's ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be beneficial to the consumer, including the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to 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 Achieve
Attain
5.0 NerdWallet's ratings are compiled 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, fees and rates as well as the customer's experience and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula is based on factors we consider to be beneficial to the consumer, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
APR 7.99-29.99%
Loan amount $5,000 - $50,000
on Achieving
on OneMain Financial
OneMain Financial
4.0 NerdWallet's rating is determined through our team of editors. 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 ethical lending practices.
4.0 NerdWallet's rating is determined by the editorial staff. The scoring formula takes into account the factors we believe to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible 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 takes into account factors we consider to be beneficial to the consumer, including the impact on credit score, fees and rates, customer experience and ethical lending practices.
4.5 NerdWallet's ratings are compiled by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score, rates and fees, customer experience and responsible lending practices.
APR 6.5-35.99 Percent
Loan amount $1,000 - $50,000
on Upstart
on Best Egg
Best Egg
4.5 NerdWallet's ratings are determined by our editorial team. 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 responsible lending practices.
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula considers aspects we consider to be beneficial to consumers, including the impact on credit scores rates and fees, customer experience and ethical lending practices.
APR 8.99-35.99%
Loan amount $2,000 - $50,000
on Best Egg
on Discover
Discover
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 the impact on credit score, rates and fees customers' experience, and ethical lending practices.
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 responsible lending practices.
APR 6.99-24.99%
Loan amount $2,500 - $35,000
on Discover
on Achieving
Achieve
5.0 NerdWallet's rating is determined by our editorial team. 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, customer experience and responsible 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, rates and fees customers' experience, and responsible 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 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 responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as the impact on credit score, fees and rates, customer experience and ethical lending practices.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings were 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, 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 beneficial to consumers, including the impact on credit scores rate 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 determined by our editorial staff. The scoring algorithm takes into consideration 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 ratings are compiled by our editorial staff. The scoring algorithm takes into consideration the factors we believe to be consumer-friendly, including the impact on credit scores rates and fees, the customer experience 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 factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees as well as the customer's experience and ethical lending practices.
4.5 NerdWallet's ratings were determined by our editorial team. The scoring algorithm takes into consideration 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.
APR 6.5-35.99 Percent
Amount of loan: $1,000 - $50,000
on Upstart
On Achieving
Attain
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring formula is based on aspects we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and ethical lending practices.
5.0 NerdWallet's rating is determined by our editorial team. The scoring algorithm takes into consideration factors we consider to be consumer-friendly, including the impact on credit score, rates and fees as well as the customer's experience and responsible 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 is based on 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 team. 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.
APR 7.99-23.43%
Loan amount $5,000 - $100,000
on SoFi
on Best Egg
Best Egg
4.5 NerdWallet's ratings were determined by our editorial staff. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates, customer experience and ethical lending practices.
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, customer experience and responsible lending practices.
APR 8.99-35.99%
The amount of the loan is $2,000 to $50,000.
on the Best Egg
on LightStream
LightStream
5.0 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration factors we consider to be beneficial to the consumer, including the impact on 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 team. The scoring formula is based on aspects we believe are consumer-friendly, including impact to 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 rating is determined by our editorial team. The scoring formula is based on factors we consider to be friendly to consumers, such as the impact on credit score, fees and rates, customer experience and responsible lending practices.
5.0 NerdWallet's rating is determined by our editorial staff. The scoring formula is based on the factors we believe to be beneficial to consumers, including impact to credit score, rates and fees, customer experience and ethical lending practices.
APR 7.99-23.43%
The loan amount is $5,000 to $100,000.
on SoFi
on Universal Credit
Universal Credit
4.5 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be a good choice for consumers, such as impact to credit score, fees and rates 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 factors we consider to be friendly to consumers, such as the impact on credit score, rates and fees customers' experience, and responsible lending practices.
APR 11.69-35.93%
The amount of the loan is $1,000.
on Universal Credit
on LendingClub
LendingClub
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the factors we believe to be beneficial to consumers, including impact on credit score, rates and fees customers' experience, and ethical lending practices.
5.0 NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account aspects we consider to be consumer-friendly, including the impact on credit score rate and fees, customer service and ethical lending practices.
APR 8.3-36.0%
The amount of the loan is $1,000.
on LendingClub
on Upstart
Upstart
4.5 NerdWallet's ratings are determined by our editorial staff. The scoring algorithm takes into consideration aspects we consider to be beneficial to consumers, including impact to credit score, fees and rates, customer experience and responsible lending practices.
4.5 NerdWallet's ratings are determined by our editorial team. The scoring algorithm takes into consideration aspects we believe are consumer-friendly, including impact to credit score, rates and fees customers' experience, and ethical lending practices.
APR 6.5-35.99 percent
The amount of the loan is $1,000.
on Upstart
Are you looking to consolidate your debt? Find out if you qualify for the consolidation loan.
Answer a few simple questions and you'll receive personalized results from our lending partners.
The amount of the loan
on NerdWallet
4. Request a loan
When you're ready to collect documents like evidence of identity or address proof, as well as income verification.
Take the time to read carefully the loan document's fine print. Check for any clauses that could impact the total amount of the loan and verify that the lender makes timely payment to three primary credit bureaus, which can assist in building your credit.
If you're not meeting the lender's requirements, consider adding a or with high credit score to your application. This will help you obtain a loan that you wouldn't qualify for on your own.
>> COMPARE:
5. Closing the loan and make payments
Once you've located and been approved for the loan you're looking for but there's still one crucial next step to take.
If the lender offers direct payment, it will disburse your loan proceeds to your creditors, paying off any old dues. Check your accounts for a zero balance or call every creditor to make sure the accounts are paid off.
If the lender doesn't pay your creditors, then you'll repay each debt using the money that's transferred into your account in the bank. Make this payment immediately to avoid any additional interest charges on old debts as well as to eliminate the temptation to spend your loan money on other things.
In the 30 days of receiving your debt consolidation loan, pay your first installment.
>> MORE:
The authors' bios: Steve Nicastro is a former NerdWallet expert on personal loans and small business. Its work was featured by The New York Times and MarketWatch.
Jackie Veling covers personal loans for NerdWallet.
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