Best Personal Loans for Debt Consolidation (2026)

Our top picks at a glance

Best overall: SoFi
Best for comparing offers: LendingTree
Best for fair or thin credit: Upstart

Best personal loans: comparison table

Last updated: September 28, 2026. APR ranges move with the rate market - verify the live range on each lender's site before applying.

Lender	Typical APR range	Loan amounts	Terms	Best for	Offer
SoFi	~9-30% (with discounts)	$5,000-$100,000	2-7 years	Best overall	See offer from Sofi
LendingTree	Varies by matched lender	$1,000-$50,000	2-7 years	Comparing multiple offers	See offer from Lendingtree
Upstart	~7-36%	$1,000-$75,000	3 or 5 years	Fair/thin credit files	See offer from Upstart

1. SoFi - Best overall

SoFi combines the widest loan range on this list ($5,000-$100,000) with no origination-fee options, rate discounts for autopay and direct deposit, and same-day funding on many approvals. For borrowers with good credit who want one clean application, it is the default first stop.

Pros: large loans available; autopay + direct-deposit rate discounts; unemployment protection program.

Cons: best rates need strong credit; no co-signer option on every product.

2. LendingTree - Best for comparing offers

LendingTree is not a lender - it is the comparison marketplace. One form puts your request in front of multiple lenders, which makes it the fastest way to see your real market rate instead of guessing. The tradeoff: expect follow-up contact from matched lenders.

Pros: multiple real offers from one application; strong for rate discovery.

Cons: marketing follow-ups; final terms come from the matched lender, not LendingTree.

3. Upstart - Best for fair or thin credit

Upstart underwrites with more than the credit score - education, income and employment history count - which makes it the strongest option here for borrowers a traditional bank would decline. Loans run $1,000-$75,000 with three- or five-year terms, and funds typically land the next business day after acceptance.

Pros: works for thin or damaged credit files; fast funding; co-applicant allowed.

Cons: APRs run high for weaker profiles; only two term choices.

Before you apply

Prequalify first - every lender on this list offers a soft-pull rate check that does not touch your credit score.
Compare the APR, not the monthly payment. A longer term shrinks the payment and grows the total cost.
Origination fees come out of the loan proceeds. A 5% fee on $10,000 means $9,500 lands in your account.

FAQ

What credit score do I need? Best rates typically start around 720+. Upstart works with thinner files; most mainstream lenders want 640+.

How fast can I get funded? Same day to two business days is normal for online lenders once approved.

Will applying hurt my credit? Prequalification is a soft pull. The hard pull happens only when you accept a final offer.