We ranked Discover’s debt consolidation loans the highest overall beca🦩use of their low interest rates, customer satisfaction ratings, and lack of o✃rigination fees.

Applicants must be citizens of the U.S., be💧 at least 18 years of age, and apply as individuals with an annual income of at least $25,000. 

Discover has its home office in the Chicago suburb of Riverwoods, Ill., and was launched in 1985 as t𒁏he financial services wing of Sears Roebuck & Company. It esta൩blished its national brand for financial services when it launched the Discover credit card in 1986. Today, Discover also offers banking, home improvement loans, and personal loan products.

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Upgrade is an excellent opt♛ion for borrowers nationwide, including those in Washington, D.C., with fair or lower credit scores. Key eligibility requirements include being a U.S. citizen or permanent resident (or holding a valid visa), meeting state-spe♓cific age criteria, and maintaining a verifiable bank account and email address.

One standout feature is Upgrade’s cr꧙editor-direct payment option, which allows borrowers to send funds directly to pay off their balances with other creditors. This feature, however, may take up to two weeks to process. 

Founded in 2017 and headquartered in San Francisco, Upgrade operat♍es as a neobank,𓄧 exclusively online, with no physical branches. Since launching its lending services in 2017, the company has facilitated over $31 billion in credit, establishing itself as a major player in the financial technology (fintech) lending space.

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SoFi is a solid choice if you want to consolidate large amounts of personal debt quickly. Its creditor-direct payment feature simplifies debt repayment, and borrowers who use this option enjoy a 0.25% discount on their loan rate. Once approved,🍒 funds are typically delivered to other creditors within three business days.

While 🍌co-signers are not permitted, SoFi permits co-applicants to r🥂eside at the same address and share equal responsibility for the loan.

Founded in 2011 and headquartered in San Francisco, So🦹fi (short for Social Finance, Inc.) initially specialized in student loan refinancing but has since broadened its offerings to include personal loans, mortgages, investing, and cryptocurrency trading.

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Fixed rates from 8.99% APR to 35.49% APR. APR reflects the 0.25% autopay discount and a 0.25% direct deposit discount. SoFi Platform personal loans are made either by SoFi Bank, N.A. or, Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. SoFi may receive compensation if you take out a loan originated by Cross River Bank. These rate ranges are current as of 04/24/25 and are subject to change without notice. Not all rates and amounts available in all states. See SoFi Personal Loan eligibility details at . Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, income, and other factors. Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 9.99% of your loan amount for Cross River Bank originated loans which will be deducted from any loan proceeds you receive and for SoFi Bank originated loans have an origination fee of 0%-7%, will be deducted from any loan proceeds you receive. The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi. To be eligible to receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid for the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

As the largest c🍸redit union in Illinois, Alliant Credit Union serves over𝄹 800,000 members and offers a wide array of financial products and services, including loans, mortgages, credit cards, and investment products.

Membership is required to apply for a loa🐲n, but it’s easy to qualify—even without a traditional affiliation. You can join by making a one-time $5 donation to the Alliant Credit Union Foundation, which opens access to their extensive offerings. With its customer-centric approach, Alliant is a noteworthy option for those seeking flexible, affordable financing solutioꩲns.

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NASA Federal Credit Union offers a co🧸mprehensive range of banking and financial services, including traditional checking and savings accounts, home mortgages, car loa🦩ns, personal loans, and credit cards.

Membership is a prerequisite for accessing their loan benefits. Eligible individuals include NASA employees or retirees, employees or members of affiliated partner companies or associa꧒tions, or those who join the National Space Society (NSS).

Founded in 1949 and headquartered in Upper Marlboro, MD, NASA Federal Credit Union began as a financial institution for NASA employees. Over the years, it has grown to🎃 s🦄erve over 200,000 members while maintaining its commitment to personalized, member-focused services.

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Citibank is based in New York City and employs nearly 230,000 employees in 21 states. The bank𓃲 lends in all 50 states, how💞ever.

Citibank is the fourth-largest bank in the country🍌 and offers a full suite of banking serv👍ices for individuals and businesses, including all types of personal loans. Citibank debt consolidation loans can be used for any purpose except to pay off a Citibank credit card or a Citi Checking Plus or Ready Credit account. 

Citibank receives good customer service ratings for their personal loans, earning the third spot in J.D. Power’s 2024 U.S. Consumer Lending Satisfaction Study.

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Credit union membership is required to get a loan from First Tech. Eligibility can include having a family member who is a member; employment or residence in Lane County, Ore.; work for the State of Oregon or one of First Tech’s partner employers; or membership with the Computer History Museum or Financial Fitness Associatio𝄹n.

First Tech Federal Credit Union, headquartered in Palo Alto, Calif., was founded in 1952 to serve the financial needs of l𓆉eading technology companies and their ✨employees.

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