Advertiser & editorial disclosures

What we are. TopConsolidationOffers is an independent comparison and review site for debt consolidation lenders. We are not a lender and do not make credit decisions or fund loans.

How we make money. When you click a "Visit" button or affiliate link to one of our partner lenders (currently Lendwyse, Swift Financial Network, and Simple Debt Solutions) and subsequently take a qualifying action — typically starting an application or being approved for a loan — we may receive compensation from that partner.

How rankings are determined. Our editorial rankings are produced independently of our partner agreements. We score lenders on APR transparency, funding speed, borrower eligibility, and service quality, as described on our methodology page. Compensation may influence which lenders appear on the site, but not the order in which they are ranked.

Loan terms. Rate ranges, loan amounts, and eligibility criteria shown on this site are sourced from each lender's published materials and are subject to change. Your actual rate, payment, and approval depend on the lender's final underwriting, your credit profile, income, and the loan terms you agree to.

Soft vs hard credit pulls. Most of our partners offer a soft-pull rate check that does not affect your credit score. A hard inquiry typically only occurs after you accept an offer and the lender begins final underwriting.

Not legal or financial advice. The information on this site is for general comparison and educational purposes only and should not be considered legal, tax, or personalized financial advice.