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DEBT CONSOLIDATION

Debt Consolidation Loans
Bring Your Decision into Focus

Understand combining multiple debts into one repayment plan. Savings, eligibility and credit effects depend on the individual offer and your circumstances.

View Comparison Review total cost
YOUR DECISION CHECKLIST

One plan. Every cost.

  • 01Existing balances & APR
  • 02New loan fees & term
  • 03Total repayment comparison

Information first. No application or credit check here.

MARKET DATASources checked and current for their publication schedule. Not a real-time feed.
MARKET INDICATOR24-month personal loans: 11.90% (2026-08-01; approved) SourceNot a lender offer or customer APR

Consolidation Offers

Published product terms from official sources. These are not personalized quotes, rankings or approval guarantees.

4 products

Verified published loan product terms
Provider / productPublished APRAmount / termFees / conditionsDetails
Best EggBest Egg Personal LoanVerified Nov 1, 20266.99% – 35.99%Published range, not your rate$2,000 – $50,00036 months – 60 monthsOrigination: Not available
Conditions & source status

Personal loans are made by Cross River Bank or Column N.A. APR includes origination fees, which reduce proceeds. Terms of four years or longer have an origination fee of at least 4.99%. Lowest APR requires qualifying creditworthiness; amount, term and rate vary with underwriting. No prepayment penalty. No funding-time guarantee is presented.

reviewed

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DiscoverDiscover Personal LoanVerified Nov 1, 20266.99% – 24.99%Published range, not your rate$2,500 – $40,00036 months – 84 monthsOrigination: 0.00%
Conditions & source status

APR range is not available in the retrieved official page; placeholder fields were not imported. No-fee product statement verified. Terms and approval depend on the application.

reviewed

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Happen BankHappen Bank Personal LoanVerified Nov 1, 20265.96% – 35.99%Published range, not your rate$1,000 – $75,00024 months – 84 monthsOrigination: 0.00% – 8.00%
Conditions & source status

Published range is not a personalized offer. Lowest APR depends on credit and other factors; some terms and amounts vary by state and application channel. Published rate effective date: July 6, 2026.

reviewed

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UpgradeUpgrade Personal LoanVerified Nov 1, 20267.74% – 35.99%Published range, not your rate$1,000 – $50,00024 months – 84 monthsOrigination: 1.85% – 9.99%
Conditions & source status

Upgrade is a fintech platform; loans are made by bank partners. The published range covers available personal-loan options, not a guaranteed unsecured rate. Lowest rates require autopay and direct payment of existing debt; some discounts may require collateral. Origination fees reduce proceeds. Individual terms depend on underwriting; late or other agreement fees can increase cost.

reviewed

Review details →
OFFICIAL PRODUCT TERMS

Best Egg Personal Loan

Source reviewed
Published APR range
6.99% – 35.99%
Loan amount
$2,000 – $50,000
Repayment term
36 months – 60 months
Origination fee
Not available

Personal loans are made by Cross River Bank or Column N.A. APR includes origination fees, which reduce proceeds. Terms of four years or longer have an origination fee of at least 4.99%. Lowest APR requires qualifying creditworthiness; amount, term and rate vary with underwriting. No prepayment penalty. No funding-time guarantee is presented.

OFFICIAL PRODUCT TERMS

Discover Personal Loan

Source reviewed
Published APR range
6.99% – 24.99%
Loan amount
$2,500 – $40,000
Repayment term
36 months – 84 months
Origination fee
0.00%

APR range is not available in the retrieved official page; placeholder fields were not imported. No-fee product statement verified. Terms and approval depend on the application.

OFFICIAL PRODUCT TERMS

Happen Bank Personal Loan

Source reviewed
Published APR range
5.96% – 35.99%
Loan amount
$1,000 – $75,000
Repayment term
24 months – 84 months
Origination fee
0.00% – 8.00%

Published range is not a personalized offer. Lowest APR depends on credit and other factors; some terms and amounts vary by state and application channel. Published rate effective date: July 6, 2026.

OFFICIAL PRODUCT TERMS

Upgrade Personal Loan

Source reviewed
Published APR range
7.74% – 35.99%
Loan amount
$1,000 – $50,000
Repayment term
24 months – 84 months
Origination fee
1.85% – 9.99%

Upgrade is a fintech platform; loans are made by bank partners. The published range covers available personal-loan options, not a guaranteed unsecured rate. Lowest rates require autopay and direct payment of existing debt; some discounts may require collateral. Origination fees reduce proceeds. Individual terms depend on underwriting; late or other agreement fees can increase cost.

Debt Consolidation Guides

Why Borrowers Consider Consolidation

Financial Relief

Compare total repayment, fees and the proposed term rather than assuming savings.

Consider the total cost

One Due Date

Review how the proposed loan would change your repayment schedule.

Review the schedule

Credit Considerations

Ask the provider about credit inquiries and reporting. A credit-score improvement is not promised.

Check the process

Three Steps to a Clearer Decision

  1. 01

    Compare

    Keep APR, fees, amount and term together for each individual loan offer.

  2. 02

    Check

    Review eligibility and ask the provider about its application and credit-check process.

  3. 03

    Decide

    Check dated sources and the total repayment cost before taking your next step.

Looking for Something Else?

Explore Personal Loans →

What You May Need to Review

Credit Requirements

Eligibility criteria belong to each offer. No minimum score is verified here.

Offer-specific

Income Documentation

Check the provider’s stated documentation requirements.

Verify with the provider

Address & Residency

Check the provider’s applicable residence requirements.

Verify with the provider

Financial information

Is Debt Consolidation Right for You?

Compare the old and proposed repayment arrangements, including term and fees. This site does not calculate personal savings or recommend a provider.

Common Questions

Does checking rates affect my credit score?

RateNavigate does not run credit checks. Ask each provider how its rate check and application affect your credit before you apply.

How fast is funding?

Funding times depend on the particular provider and offer. No funding-time promise is verified here.