SuperMoney Debt Consolidation
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Amount: $1,000 - $100,000
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Min. Credit Score:
0
620 is Recommended
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APR: 5.94% - 35.99%
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Approval: < 1 Day
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Terms: 1 - 10 Years
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There are plenty of services in the marketplace. SuperMoney is the best! This company works with thousands of loan companies, lenders, credit unions, and so on, so finding you a loan will be easy. And they work differently. Instead of getting your personal details and sending them to a list of their lenders, as other companies do, SuperMoney will ask you to complete their form one time and directly list the offers that are available to you. There is a big difference because you directly get personalized offers based on your financial situation. Your personal information is not sent to a list of lenders like other sites do. After that, you can pick the best for you. Click offer details below each, and you will find all of the information you need to know regarding APRs, repayment terms, and fees. Best of all, the service is completely free and requires no obligation.
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SuperMoney
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Amount: $1,000 - $100,000
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Min. Credit Score:
0 620 is Recommended
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APR: 5.94% - 35.99%
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Approval: < 1 Day
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Terms: 1 - 10 Years
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There are plenty of services in the marketplace. SuperMoney is the best! This company works with thousands of loan companies, lenders, credit unions, and so on, so finding you a loan will be easy. And they work differently. Instead of getting your personal details and sending them to a list of their lenders, as other companies do, SuperMoney will ask you to complete their form one time and directly list the offers that are available to you. There is a big difference because you directly get personalized offers based on your financial situation. Your personal information is not sent to a list of lenders like other sites do. After that, you can pick the best for you. Click offer details below each, and you will find all of the information you need to know regarding APRs, repayment terms, and fees. Best of all, the service is completely free and requires no obligation.
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MoneyMutual
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Upstart
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Amount: $1,000 - $75,000
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Min. Credit Score: 300
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APR: 6.6% - 35.99%
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Approval: 1 Day
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Terms: 3 - 5 Years
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Upgrade
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Amount:
$1,000 - $50,000
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Min. Credit Score: 580
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APR: 7.99% - 35.99%
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Approval: < 1 Day
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Terms: 2 - 7 Years
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Upgrade Disclaimer: Personal loans made through Upgrade feature APRs of 7.99% - 35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Upgrade’s lending partners issue personal loans. Information on Upgrade’s lending partners can be found at https://www.upgrade.com/lending-partners/.
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ZippyLoan
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NextDayPersonalLoan
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MarketLoans
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VivaLoan
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PickALender
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BadCreditLoans
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Amount:
$500 - $10,000
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Min. Credit Score:
0
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APR:
5.99% - 35.99%
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Approval:
< 1 Day
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Terms:
3 - 36 Months
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When we talk about bad credit loans, BadCreditLoans.com should always be at the top of our list! And there is a good reason for that. BadCreditLoans have helped millions get a personal loan, while so many people still pay insane interest on their payday loans. BadCreditLoans.com is a leading company helping people with really bad credit. They are NOT a payday loan company! They are a huge marketplace connecting people with bad credit with lenders offering UNSECURED bad credit loans. The company offers loans of $500 to $10,000, APR 5.99% to 35.99%. And bad credit is always approved ... in less than a day. In fact, this is the most successful personal loans company for bad credit that we at ElitePersonalFinance know. Whether you want to get a bad credit loan or refinance your existing payday loans with one cheaper loan, try BadCreditLoans.
Pros:
- The Best in The Bad Credit Business!
- Easy and fast approval.
- Unsecured loans.
- Those with really bad credit get approved.
- APRs are in the personal loan range, which means less than 5.99% to 35.99%.
- Not a payday loan company.
- Amount of up to $10,000.
- Huge lending network.
- Free to register and no obligation to accept any offer.
- The minimum credit score required is 0.
- No hard inquiry on your credit score, so registering won't lower your credit score.
Cons:
- For those with really bad credit, expect high APRs ranging from 15% to 35.99%.
- People with really bad credit can’t expect to qualify for the highest amount of $10,000, but they can expect up to $1,500.
- Not all loans get approved.
Best for: Really Bad Credit
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CashUSA
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Amount: $500 - $10,000
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Min. Credit Score: 0
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APR: 5.99% - 35.99%
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Approval: < 1 Day
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Terms: 3 - 72 Months
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Designed specifically for those with bad credit, CashUSA offers installment secured personal loans for people with bad credit. APRs range from 5.99% to 35.99%, but even if you have bad credit, putting collateral to your loan can lower the APR as low as 10%. CashUSA offers loans up to $10,000, but according to their website, the amount can be increased under certain conditions. But remember, if you fall behind on your payments, there is a chance you could lose your car. We only recommend secured loans if you’re sure you can repay the debt on time and in full.
Pros:
- Easy approval.
- Those with really bad credit can still be approved.
- The company applies personal loan APRs ranging from 5.99% to 35.99%.
- People with bad credit get as low as 10% APR.
- Borrowing amounts can exceed $10,000, but you have to speak with them directly.
Cons:
- Secured loans put you at risk of losing your collateral.
- Bad credit means a higher APR, although it’s still much lower than a traditional car title loan.
Best for: Secured Personal Loans
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PersonalLoans
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Amount: $1,000 - $35,000
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Min. Credit Score: 580
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APR: 5.99% - 35.99%
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Approval: < 1 Day
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Terms: 3 - 72 Months
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PersonalLoans offers unsecured loans ranging from $1,000 to $35,000, and because the company only requires a minimum credit score of 580, PersonalLoans is a great place to obtain a bad credit loan. Its APRs range from 5.99% to 35.99%, but you need to have some form of recurring income to qualify. It can be full-time employment, self-employment, regular disability, or Social Security benefits. Loans are not available to residents in Arkansas, Georgia, or New York.
Pros:
- Low credit score requirements of 580.
- Low-income requirement of $1,000.
- Bad credit is ok.
- The highest amount allowed is $35,000.
- Available in many states.
Cons:
- People with really bad credit can’t apply.
- You can’t have an account with a late payment for longer than 60 days or a recent bankruptcy.
- You can’t have any recent charge-offs or late payments.
Best for: Bad Credit
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SoFi
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Amount: $5,000 – $100,000
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Min. Credit Score:
Varies
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APR: 5.74% – 20.28% (includes AutoPay discount)
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Approval: < 1 Day
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Terms: 2 - 7 Years
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SoFi is a Fintech firm that offers attractive personal loans. For example, comparable products have APRs that range from 5.99% to 35.99%. However, SoFi's personal loans have APRs that range from 5.74% to 20.28%. Moreover, you can borrow as little as $5,000 and upwards of $100,000, and terms range from two to seven years.
In addition, there are no origination, closing, or prepayment fees, and SoFi doesn't charge for late payments. On top of that, you can earn a $10 bonus for applying. However, you need to have a SoFi Money account or open one within 60 days to be eligible. Furthermore, SoFi's personal loans are unsecured, so you don't have to post any collateral. And the firm only conducts a soft credit pull when you submit your application, so inquiring won't impact your credit score. However, if you're approved and agree to the terms, SoFi will conduct a hard credit pull, which may affect your credit score.
All in all, the lower APRs make SoFi personal loans better options than swiping your credit card.
Pros:
- SoFi personal loans have lower APRs than the competition.
- SoFi doesn't charge any origination, closing, prepayment, or late fees.
Cons:
- You have to wait a "few days" to receive the loan proceeds.
Who is SoFi best suited for?
- If you want a no-fee personal loan with a below-market APR, SoFi should be at the top of your list.
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HappyMoney
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Amount:
$5,000 - $40,000
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Min. Credit Score: 550
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APR: 5.99% - 24.99%
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Approval: 1 - 7 Days
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Terms: 2 - 5 Years
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LendingPoint
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Amount: $2,000 - $36,500
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Min. Credit Score: 580
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APR: 9.99% - 35.99%
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Approval: 1 - 7 Days
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Terms: 2 - 5 Years
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Prosper
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Amount: $2,000 - $40,000
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Min. Credit Score: 640
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APR: 7.95% - 35.99%
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Approval: 1 - 3 Days
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Terms: 3 - 5 Years
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FreedomPlus
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Amount: $7,500 - $50,000
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Min. Credit Score: 620
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APR: 7.99% - 29.99%
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Approval: 1 Day
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Terms: 2 - 5 Years
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LendingClub
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Amount: $1,000 - $40,000
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Min. Credit Score: 600
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APR: 8.05% - 35.89%
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Approval: 1 - 4 Days
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Terms: 3 - 5 Years
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Best Debt Consolidation Loans for Bad Credit of July 2025
ZippyLoan
$100 - $15,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
BadCreditLoans
$500 – $10,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
CashUSA
$1,000 – $10,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
NextDayPersonalLoan
$100 - $40,000
Min. Credit Score: 0
< 1 Day Approval
Apply Now
Upgrade
$1,000 - $50,000
Min. Credit Score: 560
< 1 Day Approval
Apply Now
If your credit score is bad, you can try to consolidate your loans with some of these companies.
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BestEgg
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Amount: $2,000 - $50,000
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Min. Credit Score: 600
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APR: 5.99% - 29.99%
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Approval: 1 - 4 Days
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Terms: 3 - 5 Years
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Discover
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Amount: $2,500 - $35,000
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Min. Credit Score:
660
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APR: 6.99% - 24.99%
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Approval: 1 - 7 Days
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Terms: 3 - 7 Years
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LightStream
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Amount: $5,000 - $100,000
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Min. Credit Score: 660
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APR: 2.49% - 19.99%
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Approval: 1 - 7 Days
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Terms: 2 - 7 Years
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