Best for large balances
Prime Online Lender
Large-balance personal loan · Personal loan
Unemployment protection and rate discounts for autopay.
APR range
8.99%–29.49%
24–84 mo
Fees
0–7% origination (optional)
Credit needed
680+
Up to $100,000
Compare every consolidation option
Filtered to option types you're likely to qualify for. These are generic lender types with typical ranges, not specific companies or offers.
9 matching options
Best for zero origination fees
No-Fee Bank Lender
Personal loan · Personal loan
No fees of any kind, including late fees.
APR range
7.99%–24.99%
36–72 mo
Fees
No origination fee
Credit needed
660+
Up to $40,000
Best for fair credit
Fair-Credit Specialist
Personal loan · Personal loan
Considers education and job history, not just score.
APR range
7.8%–35.99%
36 or 60 mo
Fees
0–12% origination
Credit needed
580+
Up to $50,000
Best for fast funding
Fast-Funding Online Lender
Personal loan · Personal loan
Can pay creditors directly; funds often next business day.
APR range
8.49%–35.99%
24–84 mo
Fees
1.85–9.99% origination
Credit needed
580+
Up to $50,000
Best for longest 0% period
Major Bank Card
Long 0% intro balance transfer · 0% balance transfer
17.74%–28.49% variable APR after intro period.
Intro APR
0%
21 mo at 0%
Fees
$685
5% transfer fee ($5 min) on $13,700
Credit needed
690+
Up to $15,000
Best for fast home equity funding
Online HELOC Lender
HELOC · Home equity / HELOC
Online application; funding in as few as 5 days. Home is collateral.
APR range
7.5%–15%
5–30 yr
Fees
Up to 4.99% origination
Credit needed
640+
Requires home equity
Best for no closing costs
Bank Home Equity Lender
Home equity loan · Home equity / HELOC
Fixed rate, lump sum. Your home secures the loan.
APR range
7.99%–13.99%
10–30 yr
Fees
No closing costs
Credit needed
680+
Requires home equity
Best when loans won't qualify
Non-Profit Credit Counselor
Debt Management Plan · Credit counseling (DMP)
Non-profit counselors negotiate lower card rates. Accounts are typically closed.
APR range
6%–10%
36–60 mo
Fees
~$35 setup, ~$25/mo
Credit needed
Any score
Best for free first counseling session
Non-Profit Counseling Agency
Debt Management Plan · Credit counseling (DMP)
Non-profit; free budget review before any plan.
APR range
6%–9%
36–60 mo
Fees
Varies by state, capped
Credit needed
Any score
Not shown (likely won't qualify at these settings): Low-Fee Card Issuer 0% intro balance transfer, Rewards Card Issuer 0% intro + cash back.