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Best Debt Consolidation Loan Lenders in Nevada

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Reviewed byKatherine Kurtz
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Reviewed byKatherine Kurtz
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Updated: December 28, 2023

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Best Debt Consolidation Loan Lenders in Nevada

To discover which companies offer the best debt consolidation loans in Nevada, MoneyGeek looked at more than 30 distinct datasets. Variables considered in this study include minimum credit score requirements, repayment plans, loan amounts, APR ranges, origination and late fees, loan distribution dates, Better Business Bureau (BBB) ratings and prepayment penalties.

MoneyGeek named Upgrade Nevada’s overall top provider of debt consolidation loans, partly because Nevada residents have an average credit score of 728. Depending on your unique financial circumstances, a different lender may better fit your needs.

Best Overall Debt Consolidation Loan in Nevada: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds

    Money ranked Upgrade as Nevada’s top debt consolidation loan lender. Upgrade has served more than 15 million customers and enjoys an A+ rating from the BBB. The lender offers rate discounts for making payments directly to creditors and does not charge prepayment fees.

    Although Upgrade charges an origination fee, it deducts it from the total amount of your loan. Upgrade might not be the best lender for you if you need to consolidate debt higher than $50,000.


    • Perfect for applicants with fair credit score
    • Quick and easy online application
    • Debt consolidation loans are customizable
    • No prepayment fees
    • Same-day access to funds


    • Low maximum loan amount ($50,000)
    • No multiple term lengths for loan offers
    • Subsequent charges/late payments may increase fixed-rate loan
    • Charges origination fees (2.9% to 8%)
    • APR range: 5.94%–35.47%
    • Minimum/maximum loan amount: $1,000–$50,000
    • Minimum credit requirements: 560
    • Repayment terms: 36–60 months
    • Time to receive funds: Same day

Runner-Up for Best Debt Consolidation Loan in Nevada: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds

    LightStream ranks as the second-best debt consolidation loan provider in Nevada. The lender offers one of the highest maximum loan amounts of $100,000.

    LightStream does not charge origination, late, or prepayment penalty fees. It gets excellent customer reviews and has an A+ rating with the BBB. LightStream will approve your application on the same day if it determines that you are a creditworthy borrower.

    However, LightStream conducts hard credit checks, which can affect your credit score. If your score is under 600, you might be better off looking elsewhere.


    • Online loan application
    • Provides low-interest, fixed-rate loans
    • High maximum loan amount up to $100,000
    • Same-day funding
    • No appraisals, prepayment penalties, home-equity requirements or fees


    • Good credit score requirement
    • No cosigners
    • Not available to paying off student loans
    • Cannot use to pay off existing LightStream loan
    • APR range: 4.49%–20.49%
    • Minimum/maximum loan amount: $5,000–$100,000
    • Minimum credit requirements: 660
    • Repayment terms: 24–84 months
    • Time to receive funds: Same day

Best Debt Consolidation Loan for Bad Credit in Nevada: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Upstart, an artificial intelligence financing platform that connects borrowers and lenders, is the best debt consolidation loan lender in Nevada for persons with bad credit. Nevada residents with poor credit should consider Upstart because it only requires a credit score of 300.

    To protect your credit score during rate checks, Upstart performs soft credit inquiries. Applicants must have a gross income of at least $20,000 and a debt-to-income ratio of no higher than 45% to be eligible for an Upstart loan.

    Upstart has received an A+ rating from the BBB but does not have a mobile application.


    • Conducts soft credit inquiry
    • Available for borrowers with a minimum credit score of 300
    • Fixed monthly payment
    • 10% lower rates than traditional models
    • Can be used for education-related expenses


    • Minimum loan amounts vary by state
    • Next-day funding
    • Potentially high origination fee
    • Available rates offered vary by state
    • APR range: 3.22%–35.99%
    • Minimum/maximum loan amount: $1,000–$50,000
    • Minimum credit requirements: 300
    • Repayment terms: 36–60 months
    • Time to receive funds: Next day

Best Debt Consolidation Loan for Good Credit in Nevada: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    SoFi is one of the best debt consolidation lenders in Nevada if you have good credit. Even though the lender requires a credit score of 680, highly qualified applicants receive sizable loan amounts up to $10,000 and the lowest interest rates.

    SoFi does not charge fees, offers a variety of loan amounts and adjustable payback schedules. Funding takes two business days, longer than most lenders.


    • High loan amounts up to $100,000
    • Offers fixed-rate options
    • No application, origination or prepayment penalty fees
    • Phone app available
    • Easily tracked customer payments


    • No cosigners
    • Customers get funds in two days
    • Cannot be used for education-related expenses
    • APR range: 5.74%–20.28%
    • Minimum/maximum loan amount: $5,000–$100,000
    • Minimum credit requirements: 680
    • Repayment terms: 12–60 months
    • Time to receive funds: Two days

How to Choose the Best Debt Consolidation Loan in Nevada for You

Lenders will consider various factors before approving your application for a debt consolidation loan. These include your credit score, present liabilities, work status and your ability to provide proof of income.

Combined credit card and personal loan balances in Nevada average $23,952. MoneyGeek outlined the following steps for choosing the best debt consolidation loan in Nevada:

Ask Yourself the Important Questions

Consider your financial situation and whether taking out a personal loan to pay off your obligations will result in lower interest rates overall. Ask yourself the following questions:

  • How much funding do you need?
  • What’s your credit score?
  • Can you afford the monthly payments?
  • Do you have existing debts?
  • Is your debt manageable through other means?
Do Your Research

A debt consolidation loan is a financial commitment that lasts for two to six years, so evaluating the various lenders is important.

MoneyGeek also recommends getting to know each potential lender's application requirements. While this guide can help you identify a lender that can accommodate your needs, it’s always best to conduct your own research.


We suggest waiting a day or two after gathering all relevant data before applying for a loan. Weigh your options and ensure you select the ideal lender for you.

Read the Fine Print

Make sure you’re aware of all fees, including origination fees, late payment fees and prepayment penalties sometimes hidden in the fine print. Reading the fine print can ultimately save you money.


If you are completely certain that you want to obtain a debt consolidation loan, be prepared with any necessary paperwork during the application stage.

While most lenders accept applications online, applying in person or by phone can be beneficial.

What to Do if You Can’t Get a Debt Consolidation Loan in Nevada

Lenders may reject a debt consolidation loan application in Nevada for numerous reasons, including poor credit, high debt-to-income ratios and insufficient income. Ask your lender why your loan application was denied. By analyzing what went wrong and making changes, you can increase the likelihood that your application will be accepted the next time.

You may also apply with another lender, although you should work on fixing the reason for the original denial first.

You should also be cautious of payday loans. These short-term loans with high interest rates tend to sink borrowers further into debt.

Calculate Your Monthly Payment

Remember that personal loans require monthly payments with interest. Use MoneyGeek’s debt consolidation loan calculator below to determine whether your budget can handle this expense.


FAQs About Debt Consolidation Loans in Nevada

The best debt consolidation loan lender in Nevada will depend on your unique financial goals. MoneyGeek provided answers to frequently asked questions about debt consolidation loans in Nevada.

What is the best debt consolidation loan lender in Nevada?
Which lender in Nevada has the lowest interest rates for debt consolidation?
What kind of debts can I not use my debt consolidation loan for in Nevada?
How much debt can I consolidate in Nevada?
How long does it take to get a debt consolidation loan in Nevada?
Can I pay off my loan early in Nevada?
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MoneyGeek reviewed over 30 personal loan lenders using at least 35 individual data points across six key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each ranking category, we considered several individual data points that we feel carry the most weight when choosing a personal loan lender. These factors include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

Here at MoneyGeek, we value you, the consumer, so we also factor in each lender’s customer support, business ratings and additional features that could make your experience easier and more accessible — like prequalification, payment options and mobile apps.

After careful consideration and calculation, our picks are chosen with your best interests in mind. Our personal loan recommendations and expert tips are meant to help you make smart financial decisions when choosing a lender that meets your needs.

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The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.