Guide & Insights
Streamline multiple credit card balances or high-interest debts into a single, predictable monthly payment to save money and pay off debt faster.
Discover Personal Loans
Consolidation loan where Discover directly pays off your existing credit card creditors.
- ✓ Direct creditor payoff service
- ✓ 30-day money-back guarantee
- ✓ Household income accepted
- • Maximum loan limit capped at $40,000
Upgrade Personal Loans
High acceptance rates for borrowers with fair credit, freelancers, and self-employed individuals.
- ✓ Accepts credit scores down to 580
- ✓ Easy verification for freelancers
- ✓ Fast 1-day funding
- • Origination fee applies (1.85%-9.99%)
LendingClub Personal Loan
Boost approval chances for homemakers or freelancers by applying with a co-applicant or spouse.
- ✓ Supports joint applicants (including spouses)
- ✓ Streamlined debt consolidation
- ✓ Accepts 600+ score
- • Origination fee applies
Prosper Peer-to-Peer Loan
Pioneer peer-to-peer lending platform connecting borrowers directly with investors.
- ✓ Joint application allowed
- ✓ Fixed interest rates
- ✓ Flexible 2-5 year terms
- • Origination fee charged
FreedomPlus Personal Loan
Receive rate discounts by adding a qualified co-applicant or using direct creditor payoff.
- ✓ Extra discounts with co-signer
- ✓ Up to $50,000 limit
- ✓ Self-employed eligible
- • Origination fee applies
Achieve Personal Loan
Specialized debt consolidation loan offering rate discounts for direct creditor payments.
- ✓ Direct payoff rate discount
- ✓ Fixed monthly terms
- ✓ Self-employed accepted
- • Origination fee charged
Happy Money Payoff Loan
Tailored personal loans designed specifically to eliminate high-interest credit card debt.
- ✓ $0 Late fees
- ✓ Specialized for credit card payoff
- ✓ Household income accepted
- • Strict DTI ratio review
Citi Personal Loan
Fee-free fixed-rate personal loans tailored for Citibank account holders.
- ✓ $0 Origination fee
- ✓ Direct debt payoff service
- ✓ Fixed monthly payment
- • Citibank customers only
M&T Bank Personal Loan
Debt consolidation and personal financing for East Coast and Mid-Atlantic residents.
- ✓ $0 Origination fee
- ✓ Customizable monthly schedule
- ✓ Self-employed accepted
- • Regional availability
PenFed Personal Loan
Low-rate credit union personal loans open to all US residents regardless of military status.
- ✓ APR capped under 18.00%
- ✓ $0 Origination fee
- ✓ Homemaker/self-employed accepted
- • Credit union membership required