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Factors to Consider When Selecting a Debt Consolidation Company

With so many debt consolidation companies and websites to choose from, it can be overwhelming to find the right one. That’s why we’ve done the research for you and compiled a list of our top picks. Our rankings are based on a thorough evaluation of services offered, industry memberships and associations (such as the BBB and AFCC), advertised costs, and customer service. We believe that these factors are essential in determining the best debt consolidation options. By using our list, you can be confident that you’re choosing a reputable and effective company to help you manage your debt and improve your financial situation.

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2023 – Top Debt Consolidation Companies

1. Bounce

2. Monevo

3. Upstart

4. Best Egg

5. Avant

Our Selection of the Best Debt Consolidation Companies for 2023

Last Updated:

Monday, March 30, 2026
Rating
9.9 Excellent
4.9/5

Read Full Review Here – Bounce

Minimum Debt: $20,000

  • See if you qualify in minutes
  • A+ BBB Rating | AFCC highest ethical standards
  • No credit score required
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Or call (855) 732-7878

2

3

4

5

Rating

8.5 Very Good

4.3/5
  • A multi-award winning personal loan matching service
  • Personalized loan offers in less than 60 seconds
  • Lenders offering loan amounts $500 - $100,000
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Rating
7.6 Good
3.8/5

Read Full Review Here – Upstart

  • A straightforward and clear application process.
  • A different method of assessing creditworthiness.
  • There are no fees for paying early.
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Rating
7.4 Good
3.7/5

Read Full Review Here – Best Egg

  • A broad selection of loan amounts.
  • Costless resources for improving financial well-being.
  • Options for both secured and unsecured loans.
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Rating
6.7 Fair
3.4/5

Read Full Review Here – Avant

  • Funds can be made available in as little as two days.
  • Available to the majority of borrowers.
  • Provides the option for joint loan applications.
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Rating

9.9

Excellent
4.95/5

Read Full Review – Bounce

PROGRAM FEATURES

  • Apply for free in minutes
  • No credit score required
  • A+ BBB | AFCC highest ethical standards
Check Plans

Or call (855) 732-7878

2

3

4

Rating

8.5

Very Good
4.3/5

PROGRAM FEATURES

  • A multi-award winning personal loan matching service
  • Personalized loan offers in less than 60 seconds
  • Lenders offering loan amounts $500 - $100,000
Check Plans
Rating

7.6

Good
3.9/5

Read Full Review – Upstart 

PROGRAM FEATURES

  • Transparent and easy application process
  • Alternative underwriting model
  • No prepayment penalties
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Rating

7.4

Good
3.7/5

Read Full Review – Best Egg

PROGRAM FEATURES

  • Wide range of loan amounts
  • Free financial health resources
  • Unsecured and secured loan options
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5

Rating

6.7

Fair
3.4/5

Read Full Review – Avant

PROGRAM FEATURES

  • Funds available within two days
  • Accessible to most borrowers
  • Unsecured and secured loan options
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Debt Consolidation Columns​

Determining If You Require Debt Consolidation

Are you considering consolidation? Find out more about the debt consolidation process and determine if it aligns with your financial goals.

The 5 most significant blunders people commit during debt consolidation.

Debt consolidation can be challenging. Maximize the benefits of consolidation by sidestepping these 5 typical errors.

Editor's Choice

Rating

9.9 Excellent

4.95/5

Read Full Review Here – Bounce

  • Minimum Debt: $20,000
  • See if you qualify in minutes
  • A+ BBB | AFCC highest ethical standards​
  • No credit score required
Check Plans

Or call (855) 732-7878

Debt Consolidation Columns

woman-stressed-about-bills.jpg

Determining If You Require Debt Consolidation

Are you considering consolidation? Find out more about the debt consolidation process and determine if it aligns with your financial goals.

The 5 most significant blunders people commit during debt consolidation.

Debt consolidation can be challenging. Maximize the benefits of consolidation by sidestepping these 5 typical errors.

FAQ

Most frequent questions and answers

Debt consolidation involves merging multiple debt payments into a single monthly payment. It simplifies your financial management by centralizing all your debts into one place, eliminating the need to track multiple bills and payments.

Debt consolidation can be achieved through several methods, with the following being the most popular:

  • Utilizing a debt consolidation company
  • Obtaining a personal loan for consolidation
  • Transferring balances to a credit card for consolidation
Absolutely. Thousands of people use debt consolidation programs every year to tackle their toughest credit problems. It’s a good idea to check out the reputation of any program you’re considering: find out what other clients say about their experiences, see if the BBB has rated the company, and determine for yourself if their debt consolidation services are worth your time and money.
 

The method of debt consolidation you select can impact your ability to reduce interest expenses and lower your monthly payments. Certain loan options also permit you to make additional payments, accelerating the time it takes to repay the loan.

You may need to have a certain amount of unsecured debt to be accepted into a debt consolidation program (for example, $15,000 or more). If you’re struggling to keep up with the minimum payments on your credit cards and loans, you could be a great candidate for debt consolidation.

Trusted Consolidation Reviews is an independent review service and may be compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where, and in what order products appear. Trusted Consolidation Reviews do not include all companies or all available products.

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Our website is a free resource that produces detailed reviews featuring a variety of debt consolidation companies. We do not highlight every debt consolidation company in the market, but we do offer objective reviews and detailed information about many different companies. While we provide this information for free we sometimes accept compensation from companies that appear on this site. This compensation does not impact the ratings assigned and allows us to continue providing information for free to our readers.

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