Today's Best Debt Consolidation Loans

for Fair Credit

We found 7 lender(s) who can provide Debt Consolidation Loans with Fair Credit

Loan Amounts

Loans from $10000 to $35000

Estimated APR

Rates starting at 4.99%

Suggested Credit Range

640+ without a cosigner


Struggling to qualify for a loan and need a Cosigner? Contact FreedomPlus Today 

Credit score to qualify without cosigner: minimum of 640+

Rates starting as low as 4.99% APR to 29.99% APR

No collateral required and No prepayment penalties

Qualified Applicants:

Loan amounts between $10K - $35K

Origination fee range from 0% to 5%

Earn a minimum of $30,000/year

Debt to income ratio is less than 40%

All states except CO, CT, HI, KS, ME, NH, NY, ND, OR, RI, VT, WI, WV, WY

Bad Credit
Fair Credit
Personal Loans
Debt Consolidation
Loan Amounts

$3000. to $25000

Estimated APR

Loans starting at 2.99%

Suggested Credit Range

580+ to apply

Backed offers low-interest loans with a co-signer in New York State

Your co-signer will require a credit score of 720 and earn at least $50,000. annually to qualify

If you are applying without a co-signer, you will require a credit score of 660 and an annual income of $18,000. annually.

Your debt to income ratio should not exceed 35% excluding the loan you are applying for

  • Max Loan Amount: $25,000
  • APR: from 2.99% (fixed) to 15.99%
  • Loan term from 12 to 36 months
  • Must be 18+ years old and be an American citizen or permanent resident
  • Origination fee of .8% to 2% of loan amount
  • Offering loans in Arizona, Arkansas, Florida, New Jersey, New York and West Virginia
  • There are no prepayment fees
  • Late fee after the 15-day grace period $20.
  • Personal check processing fee of $10.
  • Unsuccessful payment fee of $15.
Bad Credit
Fair Credit
Personal Loans
Debt Consolidation
Loan Amounts

$2000 to $25000

Estimated APR

15.49% to 34.99%

Suggested Credit Range


LendingPoint was established in 2014 offering personal loans throughout America.

The company is based in Kennesaw Georgia and has an A+ rating with the BBB. 

The company specializes in fair credit loans starting at 590+.

LendingPoint combines data and technology to create a proprietary risk model that adds new,

multi-variate dimensions of credit analytics that are beyond the traditional FICO scoring process.

This model allows the company to get a complete financial story of the consumer in order to approve

more people who otherwise could have been overlooked by traditional credit models based on FICO.


Who Should Apply at LendingPoint

If your credit score is 590+, LendingPoint is an excellent option. 

LendingPoint helps consumers that are looking for a loan with fair credit

Funding great for almost any requirement including debt consolidation.  

Applying will not harm your Credit SCore

LendingPoint requires a soft credit pull and it will not affect your credit score.

 LendingPoint Offers Personal Loans in the Following States:


LendingPoint Credit Review Process:

LendingPoint Terms:

Origination Fees            0% to 6%
Soft Credit Pull Yes
Time to funding

Next day or longer depending on information provided

Loan    Amounts      $2000. to $25,000.
Minimum  Credit History 2 years

Military Status                      

Yes, Military can Apply
Loan Term     24 to 48 months
Minimum Annual income  $20,000
Minimum Credit Score 590+
APR 15.49% to 34.99% Variables include: credit score, income and credit history
Prepayment fee None
Late Fees Will vary by state
Minimum Age 18 and must have a social security number
Can I use a co-signer They do not offer co-signing

Note from LendingPoint CEO Tom Burnside:

The CEO Tom Burnside explains that LendingPoint is not

focused on your past history, they are focused on your future.

Additional Terms:

Identification Requirements

LendingPoint requires U.S. Federal, state or local Government issued photo I.D.

Can We apply Together

LendingPoint does not allow co-applicants

Payment Options

  • Automatic withdrawal from your account
  • Check by mail

Verification Documents

Recent pay stubs

Drivers license or other photo ID like a passport

Proof of income W2

Additional Information when Receiving the Loan Offer

You will require proof of income, your bank statement and a voided check 

Applying if Discharged from Bankruptcy

Your discharge must be 12 months or more.

The company will review your current income and employment and many other items. 


We would recommend LendingPoint when:

  • Your credit score is 590+
  • You're looking for a debt consolidation loan
  • Wanting to repair your credit or paying off credit card balances
  • When you are only paying the minimum on credit cards


Fair Credit
Personal Loans
Bad Credit
Debt Consolidation
Good Credit
Loan Amounts

$1,000 to $50,000

Estimated APR

4.99% to 35.99%

Suggested Credit Range


Personal Loan

Receive rates from up to 5 of the top lenders with one application

Rates from 4.99% in just 2 minutes

2-5 year loans

Loans up to $50,000

Available in all USA

Will This Affect My Credit Score?

When checking rates on Credible, lenders perform a soft credit inquiry, which does not impact your credit score. If you choose a loan option, your selected lender will typically perform a hard credit inquiry, which may impact your credit score.

Am I eligible for a Personal Loan?

You must be a US citizen or permanent resident to apply. Also, most lenders require a minimum credit score of 650 to qualify.

What can I use a personal loan for?

Personal loans can be used for many purposes, such as consolidating credit cards or other debt, or financing home improvement, moving, medical or other expenses. 


Debt Consolidation
Personal Loans
Good Credit
Fair Credit
Loan Amounts

Debt Relief, Debt Consolidation, Debt Settlement

Estimated APR

Debt Settlement Specialists

Suggested Credit Range

Any Credit Score Can Apply

America Loan Service receives over 20 text calls every day stating:

"My Credit score is not high enough to get a loan!"

"We tried to get a debt consolidation loan and were turned down!"

"Why can't I get a loan?" 

"I've applied everywhere and no one will give me a loan!" 

"Creditors are calling and were stuck!"

Contact National Debt Relief today for your free quote on debt relief and debt settlement  1-877-672-1570

Some conditions apply:

  • No credit requirements
  • Minimum $10,000.00 in debt
  • The best option for debt relief, bankruptcy assistance, and debt consolidation
  • Bad credit friendly – will help regardless of your credit score
  • Offers debt settlement services
  • Avoid bankruptcy by settling debts
  • Offers free debt relief quotes with savings estimates
  • No fees upfront, transparent payment structure
  • Not available in CT, GA, KS, ME, NH, SC, OR, VT, WV
Debt Relief
Debt Consolidation
Bad Credit
Personal Loans
Loan Amounts

$100 to $35,000

Estimated APR

starting at 6.49%

Suggested Credit Range


  • Loans from $100. to $35,000.
  • Interest rates starting at 6.59%
  • Safe and secure access with 256-bit encryption
  • Applying will not harm your credit score
  • Loans available from 2 weeks to 36 months. Short terms loans will have higher interest rates
  • Not available in the following states:
  • AR, AZ, CT, GA, MA, MD, ME, NC, NJ, NY, PA, VT, WV
  • Additional fees vary by lender
Fair Credit
Personal Loans
Debt Consolidation
Bad Credit
Loan Amounts

$7500 and up

Estimated APR

Variable rate reduced to 2.58% -6.32% Fixed rate reduced to 3.15%-7.26%

Suggested Credit Range

680+; less if you have a cosigner

LendKey brings over 300 community and not-for-profit lenders to consumers through a seamless online application where they can learn, compare, and obtain the best loan for them. 

Student Loan Refinancing Product Benefits

  • 3-Minute rate check with no impact on your credit score
  • Increased refinancing  
  • Variable rate 2.74%-6.48%
  • Fixed rate 3.15%-7.26%
  • Save an average of $15,270
  • Available for private and federal, undergraduate and grad school student loans
  • 0.25% Interest Rate Reduction with automatic payments
  • Interest-only repayment option available for up to first four years of repayment
  • Largest unemployment protection period in the market at 18 months
  • No origination fees or prepayment penalties
  • Cosigner release available after 12 monthly payments
  • Maximum loan balance to refinance
    • Undergraduate degree only: $125,000
    • Any graduate degree: $250,000
    • Medical, dental, or veterinary degree: $300,000
  • Eligible loans to refinance
    • Private student loans
    • Subsidized and unsubsidized federal student loans
    • GradPLUS federal student loans
Student Loan Refinancing
Good Credit
Debt Consolidation
Loan Amounts

Loans from $500 to $5000

Estimated APR

Interest rates starting at 5.99%

Suggested Credit Range

Any credit score can apply

Loan Amounts: up to 5k
Estimated APR: rates starting at 5.99%  Actual amount offered will be determined by your credit score
Suggested credit range: all credit types welcome

Every day, helps people secure the loans they need, even with less than perfect credit.
While not a direct lender themselves, offers a unique service that allows you to access hundreds of lenders with one simple request form.
Simply enter the amount you need and a few pieces of personal information, and within minutes you will know whether a lender in the network has a loan offer for you. The service is free to use, you can request again anytime, and it is completely up to you whether or not to accept the loan you are offered.
This is a soft pull and will not affect your credit score. 

Basic eligibility requirements : 

- Be an American citizen or permanent resident over the age of 18
- Have a working email account
- Have a checking account where funds can be deposited 
Bad Credit
Personal Loans
Loan Amounts

up to $500000

  • Equipment leasing available and free up capital
  • Call and receive a quick decision and funding in as few as 24 hours
  • Loans from $5,000 to $500,000
  • No collateral required
  • Easy, no obligation application
  • Since 1999, we've funded over $2 billion in capital to over 35,000 businesses nationwide.
  • Automatic payments

Upgrade Equipment

Use the money to update your equipment or increase efficiency. 

Easy Process

Just a simple, one-page application and 3 months' business bank statements


One of the country's largest private lenders of small business loans

Grow Your Business 

Get the cash you need for inventory, marketing, expansion, payroll and more





Business Loans
Loan Amounts

$5000 to $500000 and up

Estimated APR

starting at 2.94% to 6.42%

Suggested Credit Range

680+ Lower with cosigner

Laurel Road Allows Parents To Transfer A Loan To Their Child's Name 

Loan Amounts starting at $5,000 and $500000+

Fixed Rates: 3.95% - 7.20% APR

Variable rates: 2.94% to 6.42% APR

Suggested credit range: 680+; lower with co-signer

No cosigner release: Laurel Road does not let borrowers remove their co-signer

Refinance federal and private, undergraduate and graduate student debt into one low rate student loan

Borrowers will save $20,200+ over the life of their loans on average

Free to apply with no obligation to accept – zero application, origination, or prepayment fees

Fixed and variable loans; 5, 7, 10, 15, and 20-year repayment terms

Serving Customers in all 50 states

Loan forgiveness in event of death or documented permanent disability

Forbearance available at Laurel Road discretion up to 1 year

Student Loan Refinancing
Debt Consolidation
Good Credit
Loan Amounts

$5000 - $175,000

Estimated APR

4.04% APR and up

Suggested Credit Range


  • Variable rate 4.04% - 8.48%
  • Fixed rate is 4.99% - 9.07% 
  • Lendkey private student loan lenders offer cosigner release to creditworthy borrowers who have made consecutive, full on-time principal + interest payments
  • Parents are a critical component of the private student loan application process as cosigners on 90% of all private student loans. Parents needed to included in this process from the very start
  • LendKey loans are funded by community credit unions and community banks. These financial institutions work with LendKey to keep operating costs low and pass on the savings directly to you
  • Community banks and credit unions channel most of their loans to the neighborhoods where their depositors live and work, helping to keep local communities vibrant and growing
  • Because these institutions operate on a not-for-profit basis, the savings are passed on to the members in the form of low-interest rate loans and high-interest rate savings accounts keeping more money in the local community. This enables credit unions to be on the forefront of providing thrift and high-value financial products and customer service to their membership

Private Student Loan Reviews

  • Jennifer (University of Maryland): “It seemed like the easiest process! I enjoyed the one-on-one feedback and assistance from all the loan counselors. Their process has a lot of automation and they called you and helped you each step of the way.”
  • Gerald (University of Pittsburgh): “They seemed to have the most reasonable rates and everyone I talked with was very professional and seemed like they were on my side.”
  • Arlie (Brenau University): “Secure. Simple. Can always get someone on the phone to speak with about any issue and question I may have. Beats using the big guys for sure!”
Student Loans
Loan Amounts

No maximum loan amount. Will be based on your requirements

Estimated APR

8 lenders to chose from

Suggested Credit Range

Offering cosigning as well as direct lending

Private Student Loan

Rates as low as 3.22%
Get rates from up to 6 lenders with one application
Borrow up to 100% of the cost of attendance
Personalized prequalification in under 2 minutes
Experience optimized for both borrowers and co-signers

  • No Origination fees, no service fees, and no prepayment penalties
  • Multiple lenders compete to get you the best rate
  • No filling out duplicate forms
  • Get actual rates, not estimated ones
Student Loans
Loan Amounts

$2,000 to $50,000

Estimated APR

5.25% to 12%

Suggested Credit Range


Earnest Personal Loan Requirements:

Earnest offers simple, merit‐based, low‐cost personal loans to support life’s most important moments, like moving/relocation, security deposits, engagements/weddings, home improvements, career development and others. Earnest helps their clients worry less about their finances and focus more on their futures.

Earnest Offers Lower Rates Through Better Data: The Earnest driven application process gives extra credit for financial responsibility. Unlike other lenders, they look beyond income and credit score to assess a borrower’s full potential and offer lower rates.

  • Lower rates based on your future potential and full financial profile, not just your FICO score
  • Fico score requirements of 680+ for personal loans and student loans
  • Online dashboard designed to make it easy to apply for and manage your loan
  • Faster response times because they use technology to improve and accelerate their decisions
  • Lifetime service provided in‐house. Unlike other lenders, Earnest will never pass you off to third-­‐party services
  • No fees for origination, prepayment, or loan disbursement
  • Apply today with no obligation

Currently lend in Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, and Wyoming.

Debt Consolidation
Personal Loans
Loan Amounts

Loans ranging from $5000 to $500,000

Estimated APR

Terms loans starting at 5.99% and Lines of Credit starting at 13.99%

Suggested Credit Range

Personal credit score of business owners start at 500 with the majority scoring over 660

  • OnDeck has funded over $5 billion to Small Businesses worldwide
  • A+ Rating with the Better Business Bureau and a 9.7/10 rating on TrustPilot
  • Minimum annual revenue $100,000+ in the past 12 months
  • Terms Loans up to $500,000  with 3-36 month terms  starting at 5.99%
  • One time origination fee on Term Loans of 2.5%-4%
  • Lines of Credit up to $100,000 starting at 13.99%
  • No origination fees on Credit Lines
  • Decision in Minutes with no Obligation
  • Time in Business requirement is 1+years
  • Loans available in the USA, Canada, and Australia
Business Loans
Loan Amounts

$2,000.00 - $100,000.00

Estimated APR

1.5% - 12%

Suggested Credit Range


Qualify for lines from $2,000.00 to $100,000.00

  • Safe and Secure
  • No applications fee
  • No obligation until you take the cash
  • Ongoing access to cash 24/7

Minimum requirement:

One year or more in business. Over $50,000.00 a year in revenue.

Business Loans
Loan Amounts

Refinancing from $5,000. to $500,000.

Estimated APR

Variable Interest Rates starting at 2.55% Fixed starting at 3.75%

Suggested Credit Range

Earnest offers lower rates based on your future potential and full financial profile, FICO of 680+ to apply.

Earnest Student Loan Refinancing

On average, Earnest has saved their clients $21,810 by refinancing and offer lower interest rates based on your future potential and full financial profile, FICO score of 680+ to apply. 

  • Lower Rates Through Better Data: Earnest data‐driven application process gives extra credit for financial responsibility
  • Unlike other lenders, we look beyond income and credit score to assess a borrower's full potential and offer lower rates
  • Flexible Terms With Precision Pricing: Earnest is the only lender to offer Precision Pricing, allowing clients to customize their payments to their own budget rather than predetermined 5, 10, 15, or 20-year terms
  • Clients also can also prepay with no penalty, or pay biweekly
  • In‐House, Lifetime Service: Earnest makes managing loans easy and straightforward
  • Unlike other lenders, Earnest will never pass clients off to third party loan
  • Our clients have access to our onsite customer support team and original self-serve dashboards for the life of their loan
  • Hardship Assistance and No Fees: Earnest has no prepayment, origination, or disbursement fees. We forgive loans in all cases of death or total and permanent disability
  • You can also request loan deferment and forbearance in cases of unemployment, illness, and financial or other hardship

How Fast will Earnest Provide you a Quote

Clients can get a rate estimate from Earnest in under 2 minutes and it won't affect your credit score or put them under any obligation.

Student Loan Refinancing
Loan Amounts

$5,000 to $35,000

Estimated APR

8% to 25%

Suggested Credit Range


Payoff is a team of financial services professionals, research and clinical psychologists, data scientists, neuroscientists, Member Advocates and technology experts working together to better understand and accelerate people’s journey toward financial wellness.

Payoff is a good fit for borrowers who:

Want to consolidate over $5,000 in credit card debt

Have a minimum credit score of 660

Want a personal touch to getting out of debt


The Payoff Loan:

APR ranges from 8-25%

Loan Amount: $5,000-$35,000

Loan Terms: 24-60 months

Time to Receive Funds: Varies

Loans are NOT offered in: AL, AZ, CT, DE, IA, KS, LA, MA, MD, MI, MN, MS,


Fair Credit
Personal Loans
Good Credit
Debt Consolidation
Loan Amounts

$5,000 to $100,000

Estimated APR

Starting at 5.49%

Suggested Credit Range

660+ to Qualify

  • SoFi Personal Loans could help you save thousands in high-interest fees. With low rates and a fixed monthly payment, you can pay off high-interest debt, like credit cards, or make a major purchase. It only takes minutes to apply
  • Five-star rating on Trust Pilot "Excellent service, great rates."
  • No application or origination fees and no pre-payment penalties
  • Simple online application and access to live customer support 7 days a week
  • Flexible repayment terms: 3, 5 and 7 years
  • Variable rates start at 5.49% APR (with autopay)
  • Fixed and variable repayment options available, each with automatic withdrawal discounts
  • Unemployment protection: If you lose your job, they’ll temporarily pause your payments and help you find a new job
  • You are currently employed, over 18 years of age and US citizen or permanent resident
  • No available in Nevada or Mississippi
Debt Consolidation
Personal Loans
Good Credit
Loan Amounts

$5,000 - $175,000+

Estimated APR

5.95% - 12.99%

Suggested Credit Range

700+; Credit score can be less if you have a cosigner

SoFi Student Loan Refinancing

  • Refinance and consolidate federal and private Student loan payments into one
  • Rates as low as 2.22% on variable rates
  • Rates as low as 3.5% for fixed rates
  • 5,10,15,20 year repayment terms
  • Reduced interest rate with autopay
  • No application, origination fee or prepayment fees
  • Cosigner program available with release after 12 months
  • Unemployment protection is available 
Student Loan Refinancing