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Multiple debts can be hard to manage, especially in remembering all those due dates – add some high interest to that and that can take a toll on you mentally. A debt consolidation loan might be of help for you.

How? A debt consolidation loan can be used to pay off your other loans and aggregate it into one single loan. No matter what your old loans are, a debt consolidation can and will cover it. But take note that just like any other loan, applying for a new one affects your credit a bit. That’s why finding a great lender is important to lessen that impact on your credit.

If you have the right plan and manage your debt consolidation right, you can potentially save hundreds if not thousands of dollars and also improve your credit score. And on top of saving money, improving your credit, a debt consolidation loan can also save you from the stress of managing multiple debts at the same time, which money can’t buy.

In choosing the right loan for you, you must take into account the interest rates, required credit scores, and fees if there are any.

Below are a bunch of options for lenders that we’ve meticulously research for you:

Marcus – Goldman Sachs

This lender for a debt consolidation takes the overall prize by having a very competitive rates and with no origination and prepayment fees which are common amongst lenders. On top of that, you are not fined for paying late – but you should be responsible enough to pay on time. Marcus by Goldman Sachs offer APRs of as low as 6.99% to 25%

Marcus by Goldman Sachs requires you to have a minimum credit score of 660, which can hinder some borrowers who has poor credit. But if you can find a lender who offers a better interest rate, then it’s best to consider that option, but if you are eligible for a Marcus by Goldman Sachs, then take that opportunity as they are the best in the market when it comes to debt consolidation loans.

OneMain Financial

Opposite to the Marcus by Goldman Sachs, OneMain Financial doesn’t require you to have a specific amount of credit score. In fact, accept applicants who have poor credit scores. OneMain has an origination fee and it differs from state to state ranging from 16.05% to 36%

OneMain can be an option if you’re having trouble getting approved on different lenders due to mismanagement of your debts and having a less desirable credit score.

You can take out a minimum amount of $1,500 to a maximum of $30,000 while choosing the payment term you’re comfortable with the most – which is a two and a five-year term. Having 44 offices in different states, you can potentially get your funds the same day you applied.

Discover Personal Loans

Offering loans from $2,500 up to $35,00 – and without having any fees to pay. Discover Loans is a close second to Marcus by Goldman Sachs.

Requiring borrowers to have a minimum credit score of 660 – discover personal loans offer you competitive interest rates of 7% to 25% APR. What rate you can get depends entirely on your credit score.

Best Egg

Best Egg has some of the lowest interest rates that are out there in the market. Catering people with excellent to bad credit scores, you’ll surely find some great options here. Offering fixed APRs of 6% up to 30% and a maximum loan amount of $35,000. Although you have to pay an origination fee of 0.99% up to 5.99%, best egg is still one of the best options – especially if you have bad credit.


Payoff is specialized in credit card consolidation loans. They are very hands-on with their borrowers with coming up with a plan in paying off your debt. Interest ranges from 5.99% to 24.99%. And with origination fees of 2% to 5% depending on your credit.

You can borrow as little as $5,000 and as much as $35,000 with a repayment timeline of two and five years.


Originated as a student loan lender, SoFi knows the ins and outs of a young professional – thus making this options best for them. In evaluating your application, SoFi won’t just look at your credit score – but take in account your education and your career path.

Requiring a credit score of 680. SoFi offers a minimum amount of $5,000 up to $100,000. Which can have an interest of 6.99% to 14.99% APR depending on your credit, term, and amount borrowed. Also, SoFi doesn’t charge any fees.

Frequently Asked Questions

What Is Payday Loan?

If you need cash on the same day, payday loans is the right choice. Payday loans are unsecured loans with convenient and easy payment method. It’s a small cash loan that allows you to get the funds instantly. Repayment options can be tied to your next paycheck or if you wish to pay in advance, that works too.

What is Guarantor Loan?

For those who doesn’t have good credit, applying for a guarantor loan is recommended. Guarantor loans, as the name suggests, requires a guarantor before the loan is approved. The guarantor takes over if in case the borrower fails to meet the repayment terms.

How Fast Can I Have The Money?

Applying for a loan won’t take you hours. As a matter of fact, you can have it done in as fast as 15 minutes. All you need to do is to complete an online form and have it submitted. In just a few minutes, you’ll get the results and the money is automatically deposited to your account.

Do I Need Good Credit?

No. You are eligible to apply regardless of your credit line. Most lenders would prefer borrowers with good credit but it is not a requirement. You can apply for a payday loan and use it to slowly build your credit.

Client Testimonials

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