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No credit impact 100% Free
500K+
People Helped
$10B+
Debt Resolved
4.8★
Average Rating
2 Min
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Our Top Debt Relief Picks for 2026

We've researched and compared the top debt consolidation and personal loan options to help you make an informed decision.

Editor's Choice
National Debt Relief logo

National Debt Relief

4.5
Best For
Debt over $10,000
Highlights
  • No upfront fees
  • Free consultation
  • Accredited by IAPDA
  • A+ BBB rating
Check Rates

Free to check, no impact to credit

SoFi logo

SoFi

4.7
Best For
Good credit borrowers
Highlights
  • No origination fees
  • Unemployment protection
  • Fast funding (same day possible)
  • Rate discounts available
Check Rates

Free to check, no impact to credit

LendingClub logo

LendingClub

4.3
Best For
Fair credit borrowers
Highlights
  • Accepts fair credit (600+)
  • Joint applications allowed
  • Direct creditor payment option
  • No prepayment penalty
Check Rates

Free to check, no impact to credit

Upgrade logo

Upgrade

4.4
Best For
Fast approval needed
Highlights
  • Accepts fair credit (580+)
  • Fast approval process
  • Credit monitoring included
  • Multiple loan options
Check Rates

Free to check, no impact to credit

Rankings are based on editorial opinion. We may receive compensation when you click on links.

How Debt Consolidation Works

1

Check Your Options

Compare debt consolidation loans, balance transfer cards, and debt relief programs to find the best fit.

2

Apply Online

Most applications take just minutes. Get pre-qualified without affecting your credit score.

3

Become Debt-Free

Make one simple monthly payment and watch your debt disappear. Most people are debt-free in 24-48 months.

Ready to Start Your Debt-Free Journey?

Get a free, no-obligation consultation and see how much you could save.

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