Best Debt Consolidation Loans for Good Credit in November 2026
If you have good credit, compare debt consolidation loan offers and rates to what you’re currently paying
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| Lender | User rating | APR | Amount | Min. credit score | See Results |
|---|---|---|---|---|---|
|
6.25% to 35.99% |
$5k – $50k |
600 | ||
|
5.96% to 35.99% |
$1k – $75k |
600 | ||
|
8.95% to 35.99% |
$5k – $50k |
620 | ||
|
6.99% to 35.49% (with discounts) |
$5k – $100k |
600 | ||
|
7.74% to 35.99% (with discounts) |
$1k – $50k |
600 |
Debt consolidation loans for good credit at a glance
Best for: Interest rate discounts – Achieve
- APR
- 6.25% to 35.99%
- Amount
- $5k – $50k
- Term
- 24 to 60 months
- Origination fee
- 1.99% – 9.99%
- Min. credit score
- 600
- Multiple potential interest rate discounts
- Can pay creditors directly
- Dedicated loan consultant during application
- Origination fee
- $5,000 minimum loan amount
- No customer service via online chat
Achieve offers several ways to lower your interest rate, making it worth considering for credit card debt consolidation. You may qualify for discounts by having Achieve pay creditors directly, applying with a qualified co-borrower or demonstrating sufficient retirement savings.
To receive the direct-payment discount, at least 85% of your loan must go toward consolidation. However, an origination fee adds to borrowing costs.
Other than a credit score of at least 600, Achieve will typically ask you to provide the following documents and information:
- Proof of income
- Social Security number
- Government-issued ID
- Employment status
Finally, you must also live in an eligible U.S. state (Achieve operates in most states, with a small number excluded).
Best for: Consolidating a small amount of money – Happen Bank
- APR
- 5.96% to 35.99%
- Amount
- $1k – $75k
- Term
- 24 to 84 months
- Origination fee
- 0.00% – 8.00%
- Min. credit score
- 600
- Loans start at $1,000
- Repayment terms up to 84 months
- Loans up to $75,000
- Origination fee may apply
- Lowest advertised APR is not guaranteed
- Longer terms can increase total interest paid
If you need to consolidate a relatively small amount of debt, Happen Bank may be an attractive choice. Loans start at $1,000, compared with the $5,000 minimum required by several lenders on this list. Repayment terms extend up to 84 months, giving you flexibility when choosing a monthly payment. However, longer repayment periods can increase total interest costs, and origination fees may apply.
To be eligible for a Happen Bank personal loan, you must meet the following requirements:
- Age: Be at least 18 years old
- Citizenship: Be a U.S. citizen or permanent resident
- Administrative: Have a verifiable bank account
- Credit score: 600+
Best for: Consolidating high-interest credit card debt – Happy Money
- APR
- 8.95% to 35.99%
- Amount
- $5k – $50k
- Term
- 24 to 84 months
- Origination fee
- 2.00% – 12.00%
- Min. credit score
- 620
- Focuses on credit card debt payoff
- Fixed monthly payments
- Repayment terms of 24 to 84 months
- Origination fees of up to 12.00%
- $5,000 minimum loan amount
- Not available in all states
Happy Money specializes in helping borrowers pay off credit card balances with personal loans. If you carry high-interest credit card debt, consolidating with a fixed-rate loan could simplify repayment and potentially reduce interest costs.
Happy Money offers loans from $5,000 to $50,000 with repayment terms of 24 to 84 months. However, origination fees can be substantial, so compare the total cost before applying.
Happy Money provides clear eligibility requirements as to how you can qualify for a loan:
- Age: Must be 18 years or older
- Administrative: Must have a valid Social Security number and checking account
- Residency: Not live in Iowa
- Credit score: Minimum of 620
- Payment history: Zero current delinquencies on your credit profile
Best for: Same-day debt consolidation loans – SoFi
- APR (with discounts)
- 6.99% to 35.49%
Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2025 was around $32K. Based on loans funded from 1/1/2025-12/31/2025. Information current as of 10/02/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions. Fixed rates from 6.99% APR to 35.49% APR. APR reflect the 0.25% autopay interest rate discount and a 0.25% member rate discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or , Cross River Bank, a New Jersey State Chartered Commercial Bank, operating from its Delaware branch, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 10/02/26 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at https://www.sofi.com/eligibility-criteria/#eligibility-personal. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. Autopay Discount: The SoFi 0.25% autopay interest rate reduction requires you to make monthly payments using SoFi’s automatic monthly deduction from a savings or checking account. The discount will discontinue and be lost when you do not have autopay enabled. You’re not required to set up autopay to obtain this loan. Member Rate Discount: To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) meet SoFi Plus eligibility criteria, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount. See the SoFi Plus terms for details on SoFi Plus subscription. For more details on Eligible Direct Deposit or Qualifying Deposits, please see https://www.sofi.com/legal/banking-rate-sheet. Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.
- Amount
- $5k – $100k
- Term
- 24 to 84 months
- Origination fee
- 0.00% – 7.00% (optional)
- Min. credit score
- 600
- Same-day funding may be available
- Optional origination fee
- Loans of up to $100,000
- Same-day funding may not be guaranteed
- $5,000 minimum loan
- Lowest rates depend on discount conditions
SoFi could be a strong choice if you want to consolidate debt quickly. Eligible borrowers may receive funds as soon as the day they’re approved for a loan, although funding times vary. SoFi offers loans of up to $100,000 and repayment terms of 24 to 84 months.
Borrowers may choose between paying an optional origination fee for a potentially lower interest rate or taking a loan without the upfront fee.
You must meet the requirements below to get a loan from SoFi:
- Age: Be the age of majority in your state (typically 18)
- Citizenship: Be a U.S. citizen, an eligible permanent resident or a non-permanent resident (a DACA recipient or asylum-seeker, for instance)
- Employment: Have a job or job offer with a start date within 90 days, or have regular income from another source
- Credit score: 600+
Best for: Using collateral for debt consolidation – Upgrade
- APR (with discounts)
- 7.74% to 35.99%
- Amount
- $1k – $50k
- Term
- 24 to 84 months
- Origination fee
- 1.85% – 9.99%
- Min. credit score
- 600
- Secured and unsecured loan options
- Loans start at $1,000
- Repayment terms up to 84 months
- Origination fee
- Collateral risk with secured loans
- $50,000 maximum loan amount
Upgrade offers both unsecured and secured personal loan options, making it worth considering if you are willing to use collateral to consolidate debt. Collateral may improve your chances of qualifying or help you get more favorable terms.
Upgrade also offers loans starting at $1,000, making it an option for smaller balances. However, all loans carry an origination fee, and secured borrowers risk losing collateral if they default.
To qualify for a loan through Upgrade, you must meet the requirements below:
- Age: Be at least 18 years old (19 in some states)
- Citizenship: Be a U.S. citizen, permanent resident or resident with a valid visa
- Administrative: Have a valid bank account and email address
- Credit score: 600+
Read more about how LendingTree experts made their picks for best debt consolidation loans for good credit.
- By consolidating multiple debts, you could save money on interest if you have strong credit.
- Good credit helps you qualify for competitive offers, but income, debt and credit history also matter when comparing debt consolidation loans.
- Compare APR, origination fees, repayment terms and total costs rather than relying solely on monthly payment amounts to make your decision.
What is a debt consolidation loan for good credit?
A debt consolidation loan is a personal loan that you typically use to pay off multiple existing debts. Instead of keeping track of several balances, due dates and interest rates, you make one monthly payment on the new loan.
Some lenders send funds directly to your creditors, while others deposit the money in your bank account for you to distribute. Consolidation does not erase debt; it changes how you repay it.
In FICO’s model, a good credit score falls between 670 and 739. Borrowers in this range may qualify for competitive personal loan offers, but the final rate depends on income, existing obligations and credit profile.
Consolidation may be appealing if you want a predictable repayment date, fewer bills or an APR lower than those on your current credit cards. Be sure to compare total interest and fees, not just your monthly payment.
Can debt consolidation save you money with good credit?
Debt consolidation can save money if the new loan’s APR and fees are lower than the costs of keeping your existing debts. This is especially relevant for high-interest credit card balances, including when your credit has improved since you first opened those accounts.
In a study comparing credit cards and personal loans, LendingTree found that borrowers could save up to $1,750 in interest by consolidating $10,000 of credit card debt with a low-interest personal loan at the same monthly payment.
However, extending the repayment period can increase total interest, even when the monthly payment is lower. That’s why it’s important to compare repayment costs using the same balance and realistic payoff periods.
What debt can be consolidated?
Debt consolidation loans can pay off many types of unsecured debt, although eligible uses vary by lender. Check each lender’s restrictions before applying, particularly if you plan to combine different types of obligations. If your loan funds are paid to you instead of your creditors, you remain responsible for using the money to clear the intended balances. Also consider whether the existing debt has protections or favorable terms you would lose by refinancing.
Debt that can typically be consolidated
- Credit card balances
- Eligible unsecured personal loans
- Medical bills and certain other unsecured debts
Debt that usually can’t be consolidated
- Federal student loans if the lender prohibits that use
- Mortgages or other secured debts where restricted
- Business debt and other prohibited purposes
Average debt consolidation rates based on LendingTree data
Having good credit can help you get a better rate on your personal loan. Below are average APRs, by credit tier, as seen in LendingTree’s second-quarter 2026 user data.
| Credit tier | Average APR |
|---|---|
| Excellent (800 and above) | 15.06% |
| Very good (740-799) | 17.40% |
| Good (670-739) | 22.85% |
| Fair (580-669) | 27.16% |
| Poor (under 580) | 30.11% |
See whether you’d save with a debt consolidation loan
Collect your current balances, APRs and minimum monthly payments from recent statements. Enter them in the debt consolidation calculator and compare the estimated monthly payment and total repayment costs using an APR that matches your credit tier. Include any origination fees and check whether the proposed term actually saves you money overall.
How to compare debt consolidation loans for good credit
If you have good credit, it may give you access to lower rates, more repayment options and potentially loans without origination fees. Still, offers can vary substantially across lenders, even for the same borrower. Prequalify with multiple lenders when possible and compare these features side by side:
- APR: The annual percentage rate includes interest and certain fees, making it a better measure of borrowing costs than the interest rate alone. Check whether advertised discounts are included.
- Origination fee: This upfront fee may be deducted from your loan proceeds. For example, a $10,000 loan with a 5% fee could deliver only $9,500 to pay creditors. Make sure the net proceeds cover your balances.
- Loan term: A longer repayment term usually reduces the required monthly payment, but may mean paying more interest overall. Choose a payment that fits your budget without unnecessarily stretching the length of repayment.
- Total repayment: Compare the full dollar amount you will pay, including interest and fees, with what you expect to pay if you keep your current debts.
- Funding and creditor payments: Ask how quickly money can arrive and whether the lender can pay your existing creditors directly, reducing the risk of leaving balances unpaid.
- Customer support: Look at payment flexibility, hardship options, service channels and reviews, especially if you expect to need assistance during repayment.
Prequalification typically involves a soft credit inquiry that doesn’t affect your credit score, while a completed application may involve a hard inquiry that can temporarily lower it. Check lender terms and compare offers through prequalification before accepting a loan offer.
Why good credit doesn’t always guarantee the lowest rate
While a good credit score helps, it does not guarantee you’ll qualify for the lowest advertised APR. Lenders price loans based on multiple risk indicators and the structure of the loan itself.
Two borrowers with the same FICO Score may receive different offers, and an advertised minimum rate may be available only to applicants with exceptionally strong finances or those who qualify for discounts.
- Debt-to-income ratio: Your monthly debt payments relative to gross monthly income can help lenders evaluate whether another payment is affordable. A high DTI ratio may lead to a higher APR or loan denial.
- Income and employment: Lenders may consider income stability, documentation and your ability to cover payments after ordinary expenses.
- Loan amount and term: Some rates depend on how much money you borrow and how long you take to repay the loan. A longer term may increase total borrowing costs.
- Credit history: Lenders may examine late payments, account age, recent applications and credit utilization in addition to the three-digit score.
- Discounts: You may need to sign up for autopay, direct creditor payment or other conditions to receive the lowest advertised rate. Confirm what happens if you stop meeting the discount conditions.
Compare actual loan offers rather than assuming a good score qualifies you for the advertised minimum.
How to move from good to excellent credit before you apply
Improving your score before applying for a loan could help you qualify for a lower APR. Based on LendingTree’s study on raising a credit score from “fair” to “very good,” doing so could save as much as $1,742 over the life of a three-year debt consolidation loan.
Your actual savings depend on various factors, including the loan amount, repayment term and origination fees. If your debt is expensive, weigh the potential benefit of waiting against the interest you would keep paying while working on improving your score.
Consider the following steps as you work to boost your credit score:
- Pay down credit card balances: Lowering revolving credit utilization can improve your score and reduce the amount you need to consolidate.
- Pay on time: Payment history is the largest factor in FICO scoring. Create reminders or set up automatic payments to avoid paying late.
- Avoid unnecessary new credit: Multiple new applications can trigger hard inquiries and lower your average account age.
- Review credit reports: Get your reports at AnnualCreditReport.com and dispute any inaccuracies that may be hurting your score.
- Keep older accounts open when practical: Closing an older card may reduce available credit and raise utilization. Additionally, closing older accounts can lower your overall account age.
You do not necessarily need excellent credit before consolidating. Compare prequalified offers now against the cost of continuing with your existing debt, then decide whether waiting is likely to produce meaningful savings.
Alternatives to debt consolidation loans
You don’t have to go straight to a debt consolidation loan to manage your debt. Consider alternatives and whether they could work for your situation.
- Balance transfer credit card: A card with a 0% introductory APR may help you pay down eligible credit card debt without interest during the promotional period. Consider the transfer fee, credit limit and APR after the promotion ends. Plan to pay off the card before the introductory rate expires.
- Home equity loan: A fixed-rate loan secured by your home may offer lower borrowing costs. However, missed payments can put your home at risk, because you are turning unsecured debt into secured debt.
- HELOC: A home equity line of credit provides revolving access to funds, often at a variable rate, and you may save on costs because you can borrow only what you need. However, your home serves as collateral, and your payment could rise if rates go up.
- Debt management plan: A nonprofit credit counseling agency may help you to establish a repayment plan and seek reduced interest rates or fees from participating creditors. These plans typically require consistent payments and may involve fees.
- Debt avalanche or snowball: You can pay down debt without a new loan by targeting the highest-interest balance first (avalanche) or the smallest balance first (snowball) while making required payments on the rest of your obligations.
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Based on LendingTree’s analysis of personal loan offers from May 2026. Across all credit profiles, choosing the lowest-APR offer instead of the highest-APR offer could save borrowers an average of $1,787 over a 36-month loan. Estimates are based on the average loan amount among borrowers who closed a personal loan during the study period.
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How LendingTree experts chose the best debt consolidation loans for good credit lenders
We reviewed more than 40 lenders and loan marketplaces that offer personal loans to determine the overall best debt consolidation loans for good credit. To make this list, companies must offer debt consolidation loans to borrowers with good credit.
From there, we assessed each lender across four categories: eligibility and access; cost to borrow; loan terms and options; repayment support and tools.
Our categories
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings. Read more about our editorial guidelines.
According to our standardized rating system, the best debt consolidation loans for good credit come from Achieve, Happen Bank, Happy Money, SoFi and Upgrade.
Frequently asked questions
A FICO Score of 670 to 739 is considered good. Some lenders accept lower scores, but rates and approval depend on your broader financial profile.
A 700 score falls in the good-credit tier, which received an average offered APR of 22.56% in LendingTree Q2 2026 data. However, your offer may differ.
Not necessarily. Compare available offers now with the cost of continuing to pay your current debt while improving your credit.
Yes, some lenders offer loans with no origination fee. Compare total costs and remember that approval is not guaranteed.