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Best Debt Consolidation Options July 2025

Our expert guide to the top-rated services that can help you simplify your debt and find a path to financial freedom in 2025.

Updated July 2, 2025

Our Recommendations

1
Consumers BestTrophy Image
Accredited Debt Consolidation
9.4
Excellent

Top-rated for debt consolidation

  • Nation's largest debt consolidation company
  • A+ BBB Rating
  • No upfront fees
  • Excellent US-based support team
2
Credible
8.3
Good

Compare multiple lenders instantly

  • See prequalified rates
  • Doesn't impact credit score
  • Fast loan marketplace
3
Lending Tree
7.9
Good

Large, established lender network

  • Compare loan offers easily
  • Well-known, trusted brand
  • Offers various financial tools
4
OneMain Financial
7.8
Good

Options for less-than-perfect credit

  • Considers various credit histories
  • Fixed rates and payments
  • In-person branch locations
5
Best Egg
7.6
Good

Fast funding for personal loans

  • Quick application process
  • Direct loan funding
  • Good for fair-to-good credit

Compare Our Top 2 Picks

See how our 'Consumers Best' pick for debt consolidation, Accredited, compares with a leading loan marketplace, Credible.

Features

Accredited logo
Credible logo
9.4
8.3
Service TypeDebt ConsolidationLoan Marketplace
Trustpilot Score4.9 out of 5 Stars (from 10,000+ reviews)Not a primary review platform
Minimum Credit Score (Est.)No Minimum Score Required640+ Recommended
Loan Amounts / Debt Requirement$10,000+ in Unsecured Debt$1,000 - $100,000
Level of SupportFull-service US-based teamMarketplace support, vendor handles service

Our Top Pick

1
Consumers BestTrophy Image
Accredited Debt Consolidation
9.4
Excellent

Top-rated for debt consolidation

  • Nation's largest debt consolidation company
  • A+ BBB Rating
  • No upfront fees
  • Excellent US-based support team

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