Are you drowning in credit card debt with a less-than-perfect credit score?
You’re not alone — and more importantly, you’re not without options.
In 2025, several lenders specialize in offering debt consolidation loans for people with bad credit, and many provide fast approval, fair interest rates, and transparent terms. This guide will walk you through the top 5 most trusted debt consolidation lenders in the USA, real user experiences, key eligibility requirements, and a comparison table to help you make a confident decision — without falling into clickbait traps or shady scams.
What Is a Debt Consolidation Loan?
A debt consolidation loan combines multiple high-interest debts — like credit card balances, payday loans, or medical bills — into a single fixed monthly payment with a potentially lower APR (Annual Percentage Rate). It’s especially valuable for people with poor credit who are trying to regain financial control.
Did you know? Over 43 million Americans are currently managing debt with a credit score below 600.
Why Trust These Lenders?
- The lenders below were selected based on:
- Positive real-world reviews
- Proven reliability in the U.S. market
- High acceptance rates for bad credit borrowers
- Transparent terms (no hidden fees)
- Fast online application
Top 5 Debt Consolidation Loans for Bad Credit (2025)

1. Upstart
Best for: Fast approval with low income or short credit history
- Min. Credit Score: 300
- Loan Amount: $1,000 – $50,000
- APR Range: 6.4% – 35.99%
- Term: 3 or 5 years
- Funding Time: Next business day
Real Review: “I had a 580 credit score and got $5,000 at 23% APR. Not ideal, but WAY better than my credit cards.” – Marcus R., Florida
2. Avant
Best for: Flexible terms and quick access to funds
- Min. Credit Score: 580
- Loan Amount: $2,000 – $35,000
- APR Range: 9.95% – 35.99%
- Term: 2 to 5 years
- Funding Time: Within 1–2 days
Real Review: “Avant saved me from payday loan hell. Got my consolidation loan in 24 hours.” – Lindsay W., Texas
3. OneMain Financial
Best for: In-person support & borrowers with very poor credit
- Min. Credit Score: None (case-by-case basis)
- Loan Amount: $1,500 – $20,000
- APR Range: 18.00% – 35.99%
- Term: 2 to 5 years
- Funding Time: Same-day in many cases
Real Review: “I got approved with a 520 score. The APR was high but it consolidated 4 of my credit cards.” – Tamika J., Georgia
4. LendingPoint
Best for: Mid-range credit and fast funding
- Min. Credit Score: 600
- Loan Amount: $2,000 – $36,500
- APR Range: 7.99% – 35.99%
- Term: 2 to 6 years
- Funding Time: 1 business day
Real Review: “Smooth process and lower APR than I expected. Better than credit card juggling.” – James S., Ohio
5. Upgrade
Best for: Joint applications and credit-building tools
- Min. Credit Score: 560
- Loan Amount: $1,000 – $50,000
- APR Range: 8.49% – 35.99%
- Term: 2 to 7 years
- Funding Time: 1–4 business days
Real Review: “My wife and I applied together and got $10K at 14% APR with a joint score of 590.” – Robert H., California
Comparison Table: 2025 Debt Consolidation Loans
Lender | Min. Credit Score | Loan Range | APR Range | Funding Time | Best For |
---|---|---|---|---|---|
Upstart | 300 | $1,000 – $50,000 | 6.4% – 35.99% | Next business day | Short credit history |
Avant | 580 | $2,000 – $35,000 | 9.95% – 35.99% | 1–2 days | Quick access |
OneMain | None | $1,500 – $20,000 | 18.00% – 35.99% | Same day | Poor credit & in-person help |
LendingPoint | 600 | $2,000 – $36,500 | 7.99% – 35.99% | 1 business day | Fast approval with fair credit |
Upgrade | 560 | $1,000 – $50,000 | 8.49% – 35.99% | 1–4 days | Joint applicants |
How to Avoid Debt Consolidation Scams (Real Tips)
- Avoid upfront fees: Legit lenders deduct fees from the loan, not before.
- Check for a physical address & customer service: Scams often hide this info.
- Look for reviews on Trustpilot or BBB: Don’t rely only on the site’s testimonials.
- Never give out your banking PINs or passwords.
If it sounds too good to be true (“Guaranteed approval with no income check!”), it usually is.
Final Thoughts
Even with bad credit, you can find a loan that helps you get back on your feet — without predatory rates or shady lenders. All 5 companies listed here have helped thousands of borrowers across the U.S. in similar situations. The key is to compare offers, read the fine print, and borrow responsibly.
Ready to take control of your debt in 2025? Start by checking your eligibility with at least 2 lenders and see who gives you the best offer.
Disclaimer: This article is for informational purposes only. Always consult a financial advisor before applying for credit products.