Best Lenders for Debt Consolidation in the U.S.

NEW YORK, Oct. 22, 2026 — Personal loans allow borrowers to receive a lump sum and repay it in installments over a set term, with interest charged on the borrowed amount. According to U.S. News & World Report, advertised annual percentage rates (APRs) across 19 reviewed U.S. lenders range from 5.96% at Happen Bank to 35.99% at multiple providers. SoFi, Wells Fargo and Alliant Credit Union offer loans of up to $100,000, while Navy Federal Credit Union offers loans starting at $250.

Interest rates, loan amounts and credit score requirements vary by lender. Comparing these terms helps borrowers evaluate borrowing costs and determine which lenders’ eligibility requirements fit their financial circumstances.

Personal Loan Rates

SoFi advertises APRs from 6.49% to 35.49% with autopay, with loan amounts ranging from $5,000 to $100,000. Wells Fargo offers loans from $3,000 to $100,000 at rates between 6.74% and 26.74%. Alliant Credit Union lists rates starting at 8.99% for loans ranging from $1,000 to $100,000.

Discover offers loans from $2,500 to $40,000 at rates between 6.99% and 24.99%. Upgrade lists loan amounts from $1,000 to $50,000, with rates ranging from 7.74% to 35.99%. U.S. Bank offers loans from $1,000 to $50,000 at rates between 9.24% and 24.99%.

Credit Score Requirements

Minimum credit score requirements vary among lenders that publish them. Upstart lists a minimum score of 300, followed by Prosper at 600 and Upgrade at 620. Rocket Loans and Best Egg each set the minimum at 640, while Discover requires 660 and SoFi requires 680. Axos Bank has the highest stated minimum among these lenders, at 730.

LendingPoint does not publish a minimum credit score requirement. LendingUSA lists a minimum score of 620. First Tech Federal Credit Union, PenFed Credit Union, U.S. Bank, Wells Fargo, Alliant Credit Union, Navy Federal Credit Union, PNC Bank, Happen Bank and Citi do not disclose minimum score requirements in the supplied information.

Meeting a stated minimum score does not guarantee loan approval. Lenders may also assess income, existing debt and other eligibility factors when reviewing applications.

Bank Loan Providers

First Tech Federal Credit Union offers personal loans from $500 to $50,000, with rates ranging from 6.99% to 18.00%. PenFed Credit Union lists loans from $600 to $50,000 at rates between 6.09% and 17.99%. Navy Federal Credit Union offers amounts from $250 to $50,000, with rates ranging from 8.74% to 18.00%.

Citi lists rates between 9.99% and 14.79% for loans from $2,000 to $30,000. PNC Bank offers loans from $1,000 to $35,000 at rates ranging from 6.99% to 25.29%. Happen Bank lists loans from $1,000 to $60,000, with rates between 5.96% and 35.99%.

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Online Loan Providers

Upstart offers loans from $1,000 to $75,000 at rates ranging from 6.30% to 35.99%. LendingPoint offers loans from $1,000 to $36,500 at rates ranging from 7.99% to 35.99%. Prosper lists loans from $2,000 to $50,000 at rates between 8.99% and 35.99%. Best Egg offers the same loan amount range, with rates from 6.99% to 35.99%.

Rocket Loans lists loan amounts from $2,000 to $45,000 at rates between 7.99% and 29.99%. LendingUSA offers loans from $1,000 to $47,500, although its interest rate range was not provided in the supplied information. Axos Bank lists loans from $7,000 to $50,000 at rates between 8.24% and 18.99%.

Before applying, borrowers should compare APRs, fees, repayment terms, loan amounts, and eligibility requirements. Advertised rates do not guarantee the rate a borrower will receive. The final offer depends on the lender’s underwriting criteria and the applicant's financial qualifications.