Skip to content

Debt Consolidation Loans

Consolidate your debt

  • Loans up to $50,000
  • Fast funding†
  • Affordable monthly payments
  • No prepayment fees
Checking your rate is free and won’t impact your credit score.

Why consolidate your debt with a personal loan?

Take control

Streamline multiple payments into a single monthly payment that’s easy to manage and pay off.

Lower your rate

Eliminate high-interest debt and credit card payments with a lower rate.

No surprises

Get a fixed rate that won’t ever change. Be confident that you know how much you’re paying each month.

Get Out of Debt Faster

Find the relief of a clear payoff date that you can circle on your calendar.

How debt consolidation works


Check your rate

Apply online in minutes and see your rate with no obligation or impact to your credit score.


Choose your loan*

Review multiple loan options and decide which offer is best to help you achieve your debt consolidation goals.


Consolidate your debt quickly†

Accept an offer and your money will be sent within a day of clearing necessary verifications, so you can get started on consolidating your debt right away.

Customized debt consolidation loans

Choose the best option that fits your monthly budget and schedule to consolidate your debt
Select Offer diagram
  1. Single Monthly Payment

    Choose your monthly payment that won’t ever change and fits your budget.

  2. Fixed Rate & Term

    Pick terms that fit your timeline.

What debt consolidation customers are saying

This was an amazing experience. It was quick, easy, and the young woman I spoke with was professional and extremely helpful. I would recommend this to all those who are seeking a company for debt consolidation. They’ve allowed me to breathe much easier. Thank you, Upgrade for helping me to make the management of my debt possible.
Tanya, Debt Consolidation

We’re here to help with your debt consolidation needs

How much debt can I consolidate with a loan through Upgrade?
What if I want to pay off my loan quicker?
Why choose Upgrade to help me consolidate by debt?

Need Help?

Or call us at
(844) 319-3909
Monday - Friday, 5am - 6pm PT
Saturday - Sunday, 6am - 5pm PT

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at

For other inquiries, contact us at