Debt Consolidation

Best Debt Consolidation Loans for Fair Credit: 600 to 669 FICO in 2026 - LoanKey

Getting a debt consolidation loan with a FICO score between 600 and 669 is possible in 2026, but the lender pool is narrower and rates are higher

Best Debt Consolidation Loans for Fair Credit: 600 to 669 FICO in 2026 - LoanKey

Getting a debt consolidation loan with a FICO score between 600 and 669 is possible in 2026, but the lender pool is narrower and rates are higher than what borrowers with good credit see. Based on Credible closed-loans data from April 2025 through March 2026, the average APR for fair-credit debt consolidation borrowers runs approximately 25 to 30 percent. However, specific lenders set their floors meaningfully lower for the right borrower profile. This guide ranks the best lenders for 600 to 669 FICO scores, shows what rates to expect, and explains what steps can lower your rate before you apply. Best Lenders for Fair Credit Debt Consolidation (2026) Lender Min. FICO APR Range Loan Amount Key Feature Upgrade 600 9.99% to 35.99% $1,000 to $50,000 Rate discounts for autopay and direct payoff to creditors

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