Best Egg

Best Egg specializes in personal loans for consolidation, with the option to pay your creditors directly (they handle it, not you). You apply online, get approved quickly, and can choose a 2-to-5-year repayment term. Loans range from $2,000 to $50,000, and there's no application or prepayment fee.

Best for borrowers who want a straightforward loan process and hands-off creditor payoff. Best Egg's direct-pay feature means you can set it and forget it, making it appealing to people who just want the debt consolidated so they can move on.