You can get a debt consolidation loan from online lenders, banks, and credit unions. A few common options include SoFi, Upstart, LendingClub, Wells Fargo, Rocket Loans, and Credit Karma’s lender marketplace.

Best places to look

  • Online lenders: Often fastest for prequalification and funding, with some offering decisions in minutes and funding as soon as the next business day.
  • Banks: May be a better fit if you already bank there or want branch support, such as Wells Fargo.
  • Credit unions: Often worth checking for competitive rates and member-friendly terms, though availability depends on membership.
  • Loan marketplaces: Sites like Credit Karma and Experian let you compare multiple offers in one place.

What lenders usually want

Lenders typically review your credit score, income, existing debts, and overall credit history when deciding whether to approve you and what rate to offer. If your credit is lower, you may still qualify, but the interest rate can be higher.

How to start

  1. Check your rate with prequalification so you can compare offers without a hard credit hit in many cases.
  1. Compare APR, fees, loan term, and monthly payment before choosing.
  1. Apply only after you pick the best offer , since a formal application can trigger a hard inquiry.
  1. Use the loan to pay off high-interest debts so you simplify into one monthly payment.

Good to know

Some lenders offer amounts from about $1,000 up to $250,000 , depending on the lender and your credit profile. Terms and rates vary a lot, so comparing at least a few lenders is usually the smartest move.

If you want, I can also help you find the best debt consolidation loan options for good credit, bad credit, or no fees.