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The Best Credit Card Consolidation Programs

Credit Card Consolidation - is It Right for You?

If you're carrying a high interest rate across multiple cards, you may benefit from such services. With more and more Americans facing large medical bills, job loss, and other financial setbacks, credit card debt is higher than ever. And, with interest rates and late fees, it's not unusual for people to get in over their heads. Credit card consolidation helps consumers to better manage their debt and get back on solid financial footing once more.

One of the biggest benefits of credit card consolidation is a sense of relief: rather than worrying about multiple payments and due dates, customers can focus on a single payment - one that often saves them not only stress but also money, as consolidation usually results in interest rates that are much lower than the credit cards themselves.

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2021 Credit Card Consolidation Program Reviews

National Debt Relief Review Top Consumer Reviews Best-In-Class Blue Ribbon Award 5 Star Rating

National Debt Relief

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

Experienced and boasting a reputation for high standards and success, National Debt Relief is dedicated specifically toward helping clients find financial solutions. Neat and organized, new clients should have no problem finding answers to questions or a plan to meet their needs.

Credit.org Review 4.5 Star Rating

Credit.org

4.5 Star Rating

Credit.org is a non-profit service with a 45-year plus history of excellence and integrity. Best of all, their financial coaching is available at absolutely no charge. It is important to understand how Credit.org is different than other companies in the space. Credit.org provides an entirely free personal financial review along with an action plan that empowers you to make smarter decisions about your options to become debt free. Additionally, they can help you reduce your debt through personalized plans (where they may have the ability to reduce the interest rates you pay).

Curadebt Review 4.5 Star Rating

Curadebt

4.5 Star Rating

CuraDebt offers a wide range of credit card consolidation and debt counseling services. The website is organized but a bit overwhelming to read. We advise giving yourself time to carefully peruse through every paragraph so you don't miss any important detail. Overall, this is a reputable and accredited company with a high customer satisfaction rate.

Upstart Review 4 Star Rating

Upstart

4 Star Rating

Upstart is a professional and organized social lending platform focused on helping people achieve their financial goals. Their loan process is quick and efficient and considers many factors including your education, job history, and credit score. With a solid reputation for success, customers can find answers to many of their financial questions because the site clearly describes how their loans work. They also provide education for those seeking guidance for future financial endeavors.

SoFi Review 4 Star Rating

SoFi

4 Star Rating

SoFi is one of the newest companies on the market when it comes to "social finance" (hence the name SoFi), and scores very high marks for their customer-friendly loan products. However, they don't offer services specifically for credit card consolidation: instead, they offer personal loans for paying off credit card balances. If you're looking to just pay off your cards without an actual consolidation process, SoFi might be the right choice for you.

LendingTree Review 4 Star Rating

LendingTree

4 Star Rating

LendingTree offers several ways to consolidate credit card debt. The site provides step-by-step options with the goal to help you pay off your debt and stay out of debt. New clients will appreciate choosing which loan best fits their needs.

LendingClub Review 3.5 Star Rating

LendingClub

3.5 Star Rating

LendingClub used to crowdfund all of their credit card consolidation loans through investors. But, after undergoing some changes, their lending is now structured more like a regular bank. They offer fixed-rate loans for credit card consolidation with repayment terms of at least 36 months, and recent customer feedback is almost universally positive. You should have a good experience if you choose to get a consolidation loan here, but we're holding back a higher recommendation until the BBB provides an updated rating for LendingClub.

Avant Review 3.5 Star Rating

Avant

3.5 Star Rating

Utilizing a clean and sophisticated website, the Avant lending platform offers financial solutions for anyone looking for consolidate debt. Avant provides access to unsecured personal loans ranging from $2,000-$35,000 with funding as soon as the next business day*. To date, more than 500,000 customers have been served worldwide through the Avant platform.

Accredited Debt Relief Review 3.5 Star Rating

Accredited Debt Relief

3.5 Star Rating

Anyone looking for help consolidating credit cards will welcome visiting this very well-organized website. Accredited Debt Relief has a sound reputation and an A+ rating with the Better Business Bureau. You will have to find out if they serve the state you live in, but if they do, you will not be disappointed.

OneMain Financial Review 3.5 Star Rating

OneMain Financial

3.5 Star Rating

One of the oldest financial institutions, One Main, formerly Citi Financial, offers experience and excellent customer service to meet your needs. The company is large and credit card consolidation is only one of many services they offer.

Life Loans Review 3 Star Rating

Life Loans

3 Star Rating

Life Loans is not a lender or a credit card consolidation negotiator. Their service is free, but their primary focus is to offer personal loans. If you're looking to apply for a single loan to replace your existing loans, they may be a good choice; however those looking for help with credit card debt will not find specific information on this site for their situation.

Payoff Review 2.5 Star Rating

Payoff

2.5 Star Rating

Payoff provides credit card consolidation through personal loans ranging from $5000 to $35,000. As with comparable services that don't require you to use funds specifically to pay down/off your credit cards, Payoff won't help you with your credit card debt if you're not disciplined enough to use your loan for that purpose. Plus, Payoff charges origination fees on most loans, and customers have complained about poor customer service experiences at all stages of the process. We recommend that you look elsewhere for your credit card consolidation needs.

Compare the Best Reviews

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Finding the right company to work with can feel overwhelming. Therefore, it is important that the right amount of time and research be given to allow yourself the opportunity to work with a company who will recognize the wisdom behind making such a financial decision while offering professional courtesy and encouragement. Fortunately, there are multiple reputable companies that provide these services.

As you choose the credit card consolidation provider that is best for your situation, you should keep in mind the following criteria:

  • Reputation. How long as the company been helping consumers with their credit card debt? Do they have a solid score with the Better Business Bureau and/or positive feedback from current and previous clients?
  • Cost. What should you expect to pay, if anything, for the service? Is there a free initial consultation? What payment plan should you expect moving forward?
  • Approach. How does the company carry out your credit card consolidation? Do you have multiple options from which to choose?

TopConsumerReviews.com has reviewed and ranked the best Credit Card Consolidation programs available today. We hope these reviews help you find a credit card consolidation provider that fits your personal situation!

The Best Credit Card Consolidation Programs Compare Credit Card Consolidation Programs Compare Credit Card Consolidation Program Reviews What are the best Credit Card Consolidation Programs Best Credit Card Consolidation Program Reviews

Credit Card Consolidation Program FAQ

Credit card consolidation is a strategy used to reduce debts by combining them all into a single payment. This is usually accomplished with a loan: the funds are used to pay off all open credit card lines in full, leaving the consumer with one monthly payment that is often much lower than paying the different debts individually.
If you're overwhelmed by your credit card debt and trying to avoid bankruptcy, consolidation might be the solution you've been searching for. Most providers of credit card consolidation services offer a free consultation, to determine what strategies are best for your situation.
That depends on which service you choose. Some credit programs focus more on counseling and helping you make better financial choices (which may include a consolidation loan), while others work with you to get a personal loan to pay off your credit card debts.
Yes. You could try negotiating with the credit card companies to lower your interest rate, reduce your monthly minimum payment, borrow money from family or friends, or get a side job to bring in extra cash to pay down your debt. However, if you're struggling, you probably have tried all of these things already and haven't had much success. Credit card consolidation can simplify your finances and allow you to obtain a better financial position.
It's likely that you'll see an improvement in your credit score after you go through the process of credit card consolidation. Your credit utilization should drop, and having a single monthly payment (instead of multiple credit card payments) should help you be on-time - both of which will boost your score.
That depends on the provider you select and their strategy for consolidating your credit cards. Many counseling services are completely free, while others may charge a fee to work with you. If you use a loan to consolidate your credit card debts, you can expect interest fees and possibly origination fees to process the paperwork. Read all of the terms closely before signing an agreement, so that there are no surprises.
Not exactly. If you're using a personal loan to consolidate your credit card debt, you really can't "get your money back" after you've accepted the loan. Be sure that you understand the terms and conditions of any loan you're considering before you sign on the dotted line. On the other hand, if you're looking at counseling services that are fee-based, some of them offer a refund policy for clients who aren't 100% satisfied with their services.
Definitely. Credit card consolidation is actually one of the most common reasons that thousands of Americans take out personal loans every year. Just remember that whether or not it works well for you will depend on the type of service you select (like counseling vs. a loan) and how well you follow its requirements (like using loan funds to pay off your credit cards instead of buying something you don't need!). No matter which route you choose, it's a good idea to see if the provider has a strong reputation with consumers and the Better Business Bureau, to boost your confidence that the credit card consolidation program is well-established and reputable.

Compare Credit Card Consolidation Programs

Select any 2 Credit Card Consolidation Programs to compare them head to head

best-credit-card-consolidation-programs
  • National Debt Relief
  • Credit.org
  • Curadebt
  • Upstart
  • SoFi
  • LendingTree
  • LendingClub
  • Avant
  • Accredited Debt Relief
  • OneMain Financial
  • Life Loans
  • Payoff
National Debt Relief vs Credit.org National Debt Relief vs Curadebt National Debt Relief vs Upstart National Debt Relief vs SoFi National Debt Relief vs LendingTree National Debt Relief vs LendingClub National Debt Relief vs Avant National Debt Relief vs Accredited Debt Relief National Debt Relief vs OneMain Financial National Debt Relief vs Life Loans National Debt Relief vs Payoff Credit.org vs Curadebt Credit.org vs Upstart Credit.org vs SoFi Credit.org vs LendingTree Credit.org vs LendingClub Credit.org vs Avant Credit.org vs Accredited Debt Relief Credit.org vs OneMain Financial Credit.org vs Life Loans Credit.org vs Payoff Curadebt vs Upstart Curadebt vs SoFi Curadebt vs LendingTree Curadebt vs LendingClub Curadebt vs Avant Curadebt vs Accredited Debt Relief Curadebt vs OneMain Financial Curadebt vs Life Loans Curadebt vs Payoff Upstart vs SoFi Upstart vs LendingTree Upstart vs LendingClub Upstart vs Avant Upstart vs Accredited Debt Relief Upstart vs OneMain Financial Upstart vs Life Loans Upstart vs Payoff SoFi vs LendingTree SoFi vs LendingClub SoFi vs Avant SoFi vs Accredited Debt Relief SoFi vs OneMain Financial SoFi vs Life Loans SoFi vs Payoff LendingTree vs LendingClub LendingTree vs Avant LendingTree vs Accredited Debt Relief LendingTree vs OneMain Financial LendingTree vs Life Loans LendingTree vs Payoff LendingClub vs Avant LendingClub vs Accredited Debt Relief LendingClub vs OneMain Financial LendingClub vs Life Loans LendingClub vs Payoff Avant vs Accredited Debt Relief Avant vs OneMain Financial Avant vs Life Loans Avant vs Payoff Accredited Debt Relief vs OneMain Financial Accredited Debt Relief vs Life Loans Accredited Debt Relief vs Payoff OneMain Financial vs Life Loans OneMain Financial vs Payoff Life Loans vs Payoff
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