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      March 29, 2020

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  1. Credit.org
  2. CuraDebt
  3. SoFi
  4. LendingClub
  5. Avant
  6. Accredited Debt Relief
  7. OneMain Financial
  8. Life Loans

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Best Credit Card Consolidation Programs

Credit card consolidation - is it right for you? If youíre 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, itís 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.

Continue reading below reviews

Best Reviews


2020

Credit Card Consolidation Reviews

5 stars
National Debt Relief

NATIONAL DEBT RELIEFTopConsumerReviews.com 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.

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4.5 stars
Credit.org

CREDIT.ORG

Credit.org is a non-profit credit and debt counseling 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 debt services 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 debt management plans (where they may have the ability to reduce the interest rates you pay).

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4.5 stars
Curadebt

CURADEBT

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 donít miss any important detail. Overall, this is a reputable and accredited company with a high customer satisfaction rate.

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4 stars
SoFi

SOFI

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 donít offer services specifically for credit card consolidation: instead, they offer personal loans for paying off credit card balances. If youíre looking to just pay off your cards without an actual consolidation process, SoFi might be the right choice for you.

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4 stars
LendingClub

LENDINGCLUB

LendingClub instills confidence with its clients through their transparent business approach. The site is very organized and informative. Loans are clearly presented, allowing those seeking financial solutions time to consider what loan might work for them. Though a younger company, LendingClub is highly praised and has received numerous service awards. New clients will be greatly impressed.

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3.5 stars
Avant

AVANT

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 dayá. To date, more than 500,000 customers have been served worldwide through the Avant platform.

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3.5 stars
Accredited Debt Relief

ACCREDITED DEBT RELIEF

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.

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3.5 stars
OneMain Financial

ONEMAIN FINANCIAL

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.

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3 stars
Life Loans

LIFE LOANS

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.

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Continued from above

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!

Many Americans could get a $1,200 stimulus check within 3 weeks-should you use it to pay off credit card debt?

Americans may be getting a stimulus check up to $1,200 as coronavirus relief. Here's how much money you can expect and if you should use it to pay off credit card debt.

Published:  Thu, 26 Mar 2020 18:01:00 GMT



Consumer Credit Counseling offers help during pandemic

Consumer Credit Counseling will offer a helping hand through the duration of the coronavirus outbreak with free appointments by phone. To schedule these appointments, call 800-350-2227 or visit ...

Published:  Sun, 22 Mar 2020 17:00:00 GMT



How to consolidate debt & improve your credit at the same time

In the case of paying off debt, your credit can improve as the debt goes down. However, paying off debt is rarely a short or easy road. That's where it helps to learn how to consolidate debt.

Published:  Thu, 05 Mar 2020 02:34:00 GMT



Debt Consolidation Loan Rates for March 2020

Typical interest rates on debt consolidation loans range from 6% to 36%. To get a rate at the low end of that range you'll need an excellent credit score (720 to 850 FICO). But having at least a ...

Published:  Wed, 04 Mar 2020 10:54:00 GMT



The Great Biden Consolidation

And while obvious credit for the anti-Sanders consolidation goes to individual political actors, to Buttigieg and Klobuchar especially, it's worth considering three other reasons it was possible ...

Published:  Wed, 04 Mar 2020 12:15:00 GMT



How to Get a Debt Consolidation Loan With Bad Credit

Our opinions are our own. Getting a debt consolidation loan for bad credit may require shopping around, but there are options, including loans from credit unions and online lenders. In fact ...

Published:  Tue, 10 Mar 2020 17:00:00 GMT



How to Consolidate Student Loans

Many graduates also find that they can get better interest rates because their credit scores have improved since they first applied for a loan. Another way that a private consolidation or ...

Published:  Thu, 12 Mar 2020 17:00:00 GMT



Should you consolidate or refinance your student loans?

You can qualify for a Direct Consolidation Loan regardless of your credit score. You'll need to apply on the Department of Education website and provide details on which federal loans you're ...

Published:  Mon, 02 Mar 2020 09:35:00 GMT



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