Comparing The Best Debt Consolidation Companies of January 2026
Discover trusted providers to combine multiple debts into one manageable monthly payment,
with transparent fees. Checking your options has no impact on your credit score.
4 min read
Last Updated: January 1, 2026
Verified Lender
2026’s top choice for Debt Consolidation, Loan Companies
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A+ Rating with the Better Business Bureau (BBB)
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Consolidate multiple payments into one lower payment
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Reduce total debt owed by as much as half
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Become debt-free in 24-48 months
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Free consultation and no hidden fees
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Over $4 Billion in debt resolved for 500,000+ Americans
Call Now 
Verified Lender
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Simple and fast approval process
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Low fixed interest rates available
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Streamline multiple payments into a lower payment
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Flexible loan terms
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Free consultation
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No hidden fees
Verified Lender
-
Consolidate multiple payments into one lower payment
-
Become debt-free in 24 to 48 months
-
Free consultation
-
No hidden fees
Verified Lender
-
Fast approval process
-
Consolidate multiple payments into a single lower payment
-
Low fixed interest rates available
-
Receive funds as few as 1-2 business days if approved
8,900+
Consumers
Have researched these providers in past 30 days
How we choose our top featured brands
Featured brands are considered and selected based on the following:
Offers & Results
Favorability
Reputation
Research & Report
Most Popular
Verified Lender
2026’s top choice for Debt Consolidation, Loan Companies
-
A+ Rating with the Better Business Bureau (BBB)
-
Consolidate multiple payments into one lower payment
-
Reduce total debt owed by as much as half
-
Become debt-free in 24-48 months
-
Free consultation and no hidden fees
-
Over $4 Billion in debt resolved for 500,000+ Americans
Call Now FAQs
Debt consolidation is the process of combining multiple debts, like credit card balances, personal loans, or medical bills, into one single loan or payment plan. The goal is to simplify payments and possibly lower the interest rate, , monthly payment, and/or overall costs.
Initially, consolidating your debts may have impact an individual’s credit score. However, if you manage the new loan responsibly and make timely payments, an individual’s creditworthiness may improve overtime. Individual results will vary.
Not all debts qualify for consolidation through all providers. While unsecured debts like credit card balances, personal loans, and medical bills are often included, secured debts like mortgages or car loans typically aren’t eligible for consolidation through most programs.
Services and solutions are typically provided on a performance-only basis meaning there are not typically upfront fees. Most providers of debt consolidation make it free to see if you qualify and how much you may qualify for. Then, typically there are zero upfront fees and furthermore, nothing paid until results are achieved offering a true performance-driven solution. It’s essential to be aware all fees and how they are earned before signing an agreement.
How It Works
You begin by consulting with a debt consolidation service provider. They review, typically at no cost or obligation, your debts, income, monthly expenses, and may ask additional questions to see if you may qualify and for how much?
If qualified, the provider will develop a customized plan to meet your circumstances, objectives, and budget while typically delivering monthly lower monthly payments and putting you on a path to payoff your existing unsecured debt over 24 to 60 months.
What Is Covered
Save Money and Payoff Your Debt
Once approved and enrolled, complete your debt consolidation plan by making on time deposits and realize savings and lower your debt, often savings individuals thousands or even tens of thousands and payoff debts sooner than many thought possible.