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Your grace period. Services are FreedomPlus offers the best debt consolidation loans for fair credit: $7,500 to $40,000 for 24 to 60 months, with an APR of 5.99% to 29.99%. If you have good or excellent credit, you might consider Axos Bank, which offers unsecured loans and a variety of terms. Well-planned business loan consolidation can save you a lot of money and rebuild your credit. SoFi. Consolidation loans cannot be paid off over a long period of time unless they are secured by your home. What will my loan cost? Personal loans dont have high interest rates like credit cards, but the rate you get depends on your credit and financial history. They also offer loans up to $80,000. There are many debt consolidation companies out there that are willing to help but you may not know which one is best suited for you. Loan terms: 24 to 60 months. LightStream - Best for excellent credit. 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