Updated September 29, 2026 · BorrowCue Editorial Team
Top debt consolidation loans compared in the United States
52 lenders available in the United States, ranked for the United States.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  Consumers Credit UnionTop pick 0.50% APR discount on auto loans bought through CCU's Car Buying Service | 9.3/10 |
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| ReviewCompareVisit |
| 2 |  Upgrade | 9.2/10 |
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| ReviewCompareVisit |
| 3 |  LendKey 0.25% autopay interest rate reduction on private student loans: 0.25% APR reduction | 9.0/10 |
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| ReviewCompareVisit |
| 4 |  First National Bank of Omaha | 9.6/10 |
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| 5 |  Wells Fargo Relationship closing cost credits: starting at $250 | 9.5/10 |
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| ReviewCompareSee alternatives |
| 6 |  AffinityPlus Credit Union | 9.4/10 |
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| 7 |  T-Bank | 9.4/10 |
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| 8 |  BCS Lending $100 Loan Experience Guarantee | 9.3/10 |
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| 9 |  Discover 5% cash back on Discover it Cash Back at gas stations, transportation and drug stores: 5% cash back on up to $1,500 in purchases, now-Sept. 30 | 9.3/10 |
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| ReviewCompareSee alternatives |
| 10 |  Capital One 5% cash back with the Discover it Cash Back Credit Card: 5% cash back at gas stations, transportation and drug stores on up to $1,500 | 9.3/10 |
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| ReviewCompareSee alternatives |
Licensed in the United States
- Consumers Credit Union
- National Credit Union Administration (NCUA) - federal insurance
- Upgrade
- NMLS Consumer Access (Upgrade, Inc.)
- Upgrade
- California Department of Financial Protection and Innovation
- LendKey
- NMLS (National Mortgage Licensing System)
- First National Bank of Omaha
- NMLS (National Mortgage Licensing System)
- First National Bank of Omaha
- FDIC
- First National Bank of Omaha
- HUD (Equal Housing Lender)
- Wells Fargo
- NMLS (National Mortgage Licensing System)
- Wells Fargo
- FDIC
- AffinityPlus Credit Union
- National Credit Union Administration (NCUA)
- T-Bank
- Federal Deposit Insurance Corporation (FDIC)
- Discover
- FDIC
- Capital One
- FDIC
- First Tech Federal Credit Union
- National Credit Union Administration (NCUA) - federal credit union charter
- First Tech Federal Credit Union
- National Credit Union Administration (NCUA) - NCUSIF share insurance
- Patelco Credit Union
- National Credit Union Administration (NCUA)
- Republic Bank
- NMLS (National Mortgage Licensing System)
- Republic Bank
- FDIC
- OneMain Financial
- California Department of Financial Protection and Innovation
- OneMain Financial
- Pennsylvania Department of Banking and Securities
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- Personal loans in the United States
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- Loans for bad credit in the United States
- Lines of credit in the United States
- Secured loans in the United States
- Mortgages in the United States
- Remortgage deals in the United States
- Car loans in the United States
- Business loans in the United States
- Private student loans in the United States
- Home equity loans and HELOCs in the United States
- Home improvement loans in the United States
- Cash advance apps in the United States
- Buy now, pay later in the United States
- Equity release in the United States
- Debt relief in the United States