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Explore bankrate's expert picks for the best debt consolidation loans available and discover how the right rate can help you manage your debts more effectively. A debt consolidation loan can be used to combine multiple debts into one new account with a single monthly payment If the debt consolidation loan has a lower interest rate, it may lead to lower monthly payments Plus, since you’re combining multiple payments into one, it’s less to.

We surveyed leading debt consolidation loan providers and evaluated aprs, fees, loan amounts, and terms to help you find the best personal loans for your needs. A personal loan for debt consolidation combines multiple debts into a single loan with a fixed interest rate and repayment term You can consolidate debts from credit cards, mortgages, and other sources Please note that college student loan debt is not eligible for this type of personal loan.

Debt consolidation replaces your existing debts with a single loan, usually with more favorable terms

When you roll multiple debts into a single loan, you can lower your interest rate, shrink your monthly payments or pay off what you owe faster