Personal Loans Recommended for Debt Consolidation

Best for Quick Cash
dave logo green

The Dave app offers quick cash up to $500.  In addition to cash advances, the Dave app offers many features, such as getting paid up to 2 days early and 15% cash back on purchases.

  • Credit Check: None
  • Loan Amount: Under $1000
  • Fees: Small “convenience” fees
  • Other services: Banking & budgeting
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Top Pick
Upgrade Logo

All personal loans have a 1.85% to 9.99% origination fee, but there are no pre-payment fees. There’s also an Upgrade Visa card with 1.5% unlimited cashback rewards.

  • Loan amounts: $1,000 to $50,000
  • Maximum loan: Up to $50,000
  • Loan terms: 24 to 84 months
  • Interest rate: 9.99% to 35.99%
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Best for Bad Credit
Upstart Logo

Upstart has an in-depth application process and a large network of reputable lenders.  There are no prepayment fees, but there are late fees of up to 5% of the amount past due.

  • Loan amounts: $1,000 to $50,000
  • Maximum loan: $50,000
  • Loan terms: 3 or 5-year terms
  • Interest rate: 5.40% to 35.99% (fixed)
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  • Our Lawyers Made us Write This

    DebtHammer might have affiliate relationships with companies featured on this page.  We may get paid when you click links and sign up for these products. Do your own research.

    DebtHammer and its partners offer a variety of loans that are subject to eligibility criteria and creditworthiness review. Loan and rate terms are also subject to restrictions based on credit score, loan amount, loan term, and credit usage and history. Residents of all states may not be eligible – please contact us for further details. Loan repayment periods range from 24 to 60 months, with APRs ranging from 6.25% to 35.99%. The APR calculation includes loan origination fees. For example, a $18,000 loan with an interest rate of 18% and an APR of 21% would have an estimated monthly payment of $530 and a total cost payable of $8,200.

    Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/.

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