This guide highlights a selection of leading products and services. When you buy through our links, we may be compensated.

Mobile banner background

Best Debt Consolidation Options December 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 December 1, 2025

Our Recommendations

1
Consumer's BestTrophy Image
Accredited Debt Consolidation
9.8
Excellent

Top-rated for debt consolidation

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

Consolidate your debt easily

  • Low, fixed rates
  • Loans up to $50,000
  • Affordable monthly payments
3
Credible
8.3
Good

Compare multiple lenders instantly

  • See prequalified rates
  • Doesn't impact credit score
  • Fast loan marketplace
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 Consumer’s Best pick for debt consolidation, Accredited, compares with a leading loan provider, Upgrade.

Features

Accredited logo
Upgrade logo
9.8
8.3
Service TypeDebt ConsolidationPersonal Loans & Debt Consolidation
Trustpilot Score4.9 out of 5 Stars (from 10,000+ reviews)4.6 out of 5 Stars (from 65,000+ reviews)
Minimum Credit Score (Est.)No Minimum Score Required580+ Recommended
Loan Amounts / Debt Requirement$10,000+ in Unsecured Debt$1,000 - $50,000
Level of SupportFull-service US-based teamDedicated customer support team

Our Top Pick

1
Consumer's BestTrophy Image
Accredited Debt Consolidation
9.8
Excellent
  • Nation's largest debt consolidation company
  • A+ BBB Rating
  • No upfront fees
  • Excellent US-based support team

Featured Topics

Image
Term Life Insurance

Best Term Life Insurance Companies of 2025

Find the best term life insurance policy. Our 2025 review compares Ethos, SelectQuote & more for affordable rates, no-exam options, and coverage.

Image
Home Warranty Plans

Best Home Warranty Plans 2025

Secure your budget against unexpected home repair costs. We review the best home warranty plans for comprehensive protection.

Image
High-Yield Savings Accounts

Best High-Yield Savings Accounts of 2025

Find the best high-yield savings account. Our 2025 review compares Ally, Varo, and more for high APY rates, no monthly fees, and FDIC insurance.

Image
Balance Transfer Cards

Best Balance Transfer Credit Cards of 2025

Find the best balance transfer card to pay down debt. Our 2025 review compares top 0% intro APR offers, fees, and rewards to help you save money.

Consumers Best Logo
PinterestTikTok

The use of brand names and/or any mention or listing of specific commercial products or services herein is solely for educational purposes and does not imply endorsement by OLM Inc (DBA Consumer's Best) or our partners, nor discrimination against similar brands, products or services not mentioned.

Advertising Disclosure: OLM Inc (DBA Consumer's Best) is a free online resource that operates an advertising-supported comparison service. We may receive monetary compensation when a sponsored product or service is displayed on our site or when you click on certain links contained herein. Such compensation, together with our ranking process which uses advanced AI to analyze public data and the geographic availability of a product, can influence the placement, prominence, and order in which products appear within our listings. Although we endeavor to present a broad spectrum of financial and credit-related offerings, Consumer's Best does not purport to include every product or service available in the marketplace. All products are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. The information, including pricing, that appears on this site is subject to change at any time.

© 2025 OLM Inc 100 S Commons Ste 102, Pittsburgh, PA 15212