Top Credit Card Debt Consolidation Companies in 2025

If you're drowning in credit card debt, you're not alone. Millions of Americans are struggling to manage multiple balances and high-interest rates. One of the most effective strategies for gaining control is through debt consolidation—combining all your credit card balances into a single, manageable payment.

In 2025, there are several top-rated companies offering personal loans, balance transfer cards, and debt management services specifically for credit card consolidation. In this guide, we highlight the best credit card debt consolidation companies in 2025, comparing features, rates, and benefits to help you find the right fit for your financial needs.

1. SoFi

Best for: Borrowers with good to excellent credit

• APR: ~8%–24% (fixed)
• Loan Amounts: $5,000–$100,000
• Term Length: 2–7 years
• Fees: No origination or prepayment fees

SoFi stands out for its no-fee personal loans and flexible terms. It’s ideal for consolidating large credit card balances with predictable payments and strong customer support.

2. Upgrade

Best for: Fair to good credit borrowers

• APR: 8.49%–35.99%
• Loan Amounts: $1,000–$50,000
• Term Length: 2–5 years
• Fees: 1.85%–9.99% origination fee

Upgrade offers direct-to-creditor payment options, which can help you avoid using new loan funds irresponsibly. It's also friendly to borrowers with lower credit scores.

3. LightStream

Best for: Excellent credit and high loan amounts

• APR: Starting at 6.99%
• Loan Amounts: $5,000–$100,000
• Term Length: 2–7 years
• Fees: None

Backed by Truist Bank, LightStream offers some of the lowest rates for credit-worthy borrowers. It’s a top choice for consolidating high-balance credit card debt with zero fees.

4. LendingClub

Best for: Peer-to-peer platform and flexible borrower requirements

• APR: 8.98%–35.99%
• Loan Amounts: $1,000–$40,000
• Term Length: 3–5 years
• Fees: Origination fee 2%–6%

LendingClub is a marketplace lender known for fast approval and transparent terms. It's a solid option for borrowers looking for flexible credit requirements.

5. Best Egg

Best for: Quick funding and low rates for excellent credit

• APR: 7.99%–35.99%
• Loan Amounts: $2,000–$50,000
• Term Length: 3–5 years
• Fees: Origination fee 0.99%–8.99%

Best Egg provides fast decisions and same-day funding. If you qualify, you could get competitive rates and pay off your cards faster.

6. Happy Money (Payoff Loan)

Best for: Consolidating credit card debt to improve your credit score

• APR: 11.25%–24.50%
• Loan Amounts: $5,000–$40,000
• Term Length: 2–5 years
• Fees: Origination fee 0%–5%

Happy Money's Payoff Loan is tailored to credit card debt and includes features that may help raise your FICO score. It's ideal for motivated borrowers looking for a fresh start.

7. Achieve (formerly FreedomPlus)

Best for: Personalized debt consolidation guidance

• APR: 8.99%–35.99%
• Loan Amounts: $5,000–$50,000
• Term Length: 2–5 years
• Fees: May apply

Achieve offers both loans and coaching to help people create a long-term plan for debt freedom. It’s especially useful for those who want structure and support.

8. Nonprofit Credit Counseling (e.g., InCharge, NFCC)

Best for: Low-income borrowers or those with poor credit

• APR: 0%–10% (negotiated with creditors)
• Loan Amount: Not a loan — it’s a repayment program
• Term Length: 3–5 years (Debt Management Plan)
• Fees: Low or waived for hardship

Debt Management Plans through certified nonprofit agencies can be a great alternative for those who don’t qualify for personal loans. You make one monthly payment, and the agency pays your creditors at reduced interest rates.

Comparison Table

Company	Best For	APR Range	Loan Amount	Fees
SoFi	Excellent credit, no fees	8%–24%	$5K–$100K	None
Upgrade	Fair credit, direct-to-creditor	8.49%–35.99%	$1K–$50K	Up to 9.99%
LightStream	High loan amount, low rate	6.99%–24%	$5K–$100K	None
LendingClub	Quick online access	8.98%–35.99%	$1K–$40K	2%–6%
Best Egg	Fast funding	7.99%–35.99%	$2K–$50K	0.99%–8.99%
Happy Money	Credit card payoff only	11.25%–24.50%	$5K–$40K	0%–5%
Achieve	Guided consolidation	8.99%–35.99%	$5K–$50K	Varies
Nonprofit Agencies	Poor credit / low income	0%–10%	N/A	Low or none

Final Thoughts

Consolidating your credit card debt can simplify your finances, reduce your interest costs, and help you pay off what you owe faster. In 2025, there are more trusted companies than ever offering customized solutions for every credit situation.

Compare prequalified rates, understand the total cost (including fees), and choose a company that fits your payoff goals and budget. Whether you choose a personal loan, a nonprofit plan, or a specialized consolidation lender, the most important step is getting started.

Need help choosing? Consider contacting a certified credit counselor at NFCC.org for a free consultation.