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


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


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


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


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.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


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.

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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.


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.