Best Debt Consolidation Apps

194+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

Finding the right debt consolidation app can be overwhelming with so many options. We've analyzed 194+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Top Picks for Debt Consolidation

Debt Consolidation - OneBill#1

Debt Consolidation - OneBill by D.B CAP LTD

Fast & Easy Way to Pay Debts
Editor's Choice
๐Ÿ’ฐ Finance
5.0(5 ratings)
Free
Debt Consolidation - OneBill screenshot 1
Debt Consolidation - OneBill screenshot 2
Debt Consolidation - OneBill screenshot 3
Debt Consolidation - OneBill screenshot 4

Explore options to merge multiple debts into a single loan with one predictable payment. This app helps you review potential consolidation offers from third-party lenders, aiming for lower interest rates and simplified financial management.

Freedom Debt Relief#2

Freedom Debt Relief by Freedom Debt Relief LLC

Client Dashboard
Strong Contender
๐Ÿ’ฐ Finance
4.9๐Ÿ˜Š(18K ratings)
Free
Freedom Debt Relief screenshot 1
Freedom Debt Relief screenshot 2
Freedom Debt Relief screenshot 3
Freedom Debt Relief screenshot 4
Freedom Debt Relief screenshot 5
Freedom Debt Relief screenshot 6

Manage your debt relief plan efficiently with instant notifications for settlement offers. Track deposits, balances, and savings, and stay updated on active settlements. Access your online dashboard for more resources.

What We Love

  • ๐Ÿ‘ Stress-free and easy to use
  • ๐Ÿ‘ Professional and responsible service
  • ๐Ÿ‘ Excellent customer service
  • ๐Ÿ‘ Custom debt settlement plan based on income and expenses

Room to Improve

  • ๐Ÿ› App does not accurately reflect account information
  • ๐Ÿ’ฐ 20% service fee, which can be costly
Upstart: Personal Loans + More#3

Upstart: Personal Loans + More by Upstart Network, Inc.

Helping you borrow, better.
Worth Considering
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(36K ratings)
Free
#65in Finance
Upstart: Personal Loans + More screenshot 1
Upstart: Personal Loans + More screenshot 2
Upstart: Personal Loans + More screenshot 3
Upstart: Personal Loans + More screenshot 4
Upstart: Personal Loans + More screenshot 5

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

What We Love

  • ๐Ÿ‘ Easy to use
  • ๐Ÿ‘ Convenient app
  • ๐Ÿ‘ Quick loan approval
  • ๐Ÿš€ Fast loan disbursement

Room to Improve

  • ๐Ÿ› Login issues
  • ๐Ÿ’ฐ High interest rates
  • ๐Ÿ•ฐ๏ธ Slow payment processing

More Debt Consolidation apps to explore

4
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Manage Debt, Credit & Budget
Free

Manage all your credit cards in one place, track spending, and get personalized AI advice to pay off debt faster. Features include balance transfers, credit building, and automated payoff strategies.

Manage all credit cards in one appBalance transfers to low APR credit linesCredit building with reporting to bureaus
๐Ÿ’ฐ Finance
(3.3K)
subscription
5
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Free Snowball Calculator
Free

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

Customized debt repayment scheduleDebt Snowball payoff strategyDebt Avalanche payoff strategy
๐Ÿ’ฐ Finance
(6.7K)
free with in-app purchases
6
Relief: Get out of debt
Relief: Get out of debt
Relief: Get out of debt
Reduce your credit card debt
Free

This app helps users reduce their credit card debt by negotiating with creditors and stopping collection harassment. It aims to settle debts for less, potentially reducing balances by up to 60%, and offers legal support throughout the process.

Debt eligibility analysisReduction request submissionStop collection calls
๐Ÿ’ฐ Finance
(1.5K)
free with in-app purchases
7
DebtApp
DebtApp
DebtApp
by DebtApp, LLC
Free

Manage unsecured debt and track savings with this finance app. View negotiated settlement offers from creditors and stay on top of your financial goals.

View unsecured debt balancesTrack current savingsManage creditor settlement offers
๐Ÿ’ฐ Finance
(54)
free
8
OneMain
OneMain
OneMain
Personal & Auto Loans
Free

Manage your personal or auto loan on the go. Make payments, set up automatic payments, and receive paperless statements and alerts. You can also monitor your credit score and track your spending to potentially save money.

Make loan paymentsSet up AutoPaySign up for paperless statements
๐Ÿ’ฐ Finance
(80K)
free
9
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Your personal money app
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
๐Ÿ’ฐ Finance
(7.7M)
free with in-app purchases
10
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Changed: Debt Payoff Planner
Track Debt, Pay It Down Faster
Free

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

Automated extra paymentsRound up purchasesTrack all debt types
๐Ÿ’ฐ Finance
(5.3K)
free with in-app purchases
11
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Borrow Money Between Paychecks
Free

Access quick cash advances to cover bills and expenses between paychecks. This app offers money management tools, low balance alerts, and a marketplace for earning opportunities. Securely connect your bank account for seamless transactions.

Cash advances up to $50No credit checks or interestCash flow calendar
๐Ÿ’ฐ Finance
(146K)
subscription
12
Avoloan: your way out of debt
Avoloan: your way out of debt
Avoloan: your way out of debt
Say bye to high interest
Free

Consolidate your credit card debt into a single loan with a lower interest rate. Get a clear debt-free date from the start and stop overpaying on high APRs. Apply securely through the app for a simpler path to financial freedom.

Consolidate credit card debtLower interest ratesSingle monthly payment
๐Ÿ’ฐ Finance
(3)
free
13
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Loan Tracker and Planner
Free

This app helps you organize and plan to pay off your debts efficiently. It supports various payoff strategies and allows you to track your progress, offering insights into interest and time savings. Get a clear overview of all your debts in one place to achieve financial freedom.

Debt payoff planningSnowball and avalanche methodsExtra payment strategy
๐Ÿ’ฐ Finance
(2.3K)
free with in-app purchases
14
LendingTree Spring
LendingTree Spring
LendingTree Spring
Loans, credit score and more
Free

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

Free credit score updates and alertsPersonalized saving insightsLoan and credit card shopping
๐Ÿ’ฐ Finance
(38K)
free with in-app purchases
15
Americor
Americor
Americor
by Americor Funding, Inc
Free

Manage your finances and track debt settlement progress with this app. Easily view upcoming payments, upload documents, and receive account notifications. Designed to help consumers restructure debt and find lower-cost consolidation loans.

View upcoming payments and historyUpload documentsTrack settlement progress
๐Ÿ’ฐ Finance
(1.3K)
free
16
NerdWallet: Smart Money App
NerdWallet: Smart Money App
NerdWallet: Smart Money App
Track, Save & Invest
Free

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Track cash, investments, credit cards, loans, and propertyMonitor and cancel recurring bills and subscriptionsActionable financial insights on credit score and cash flow
๐Ÿ’ฐ Finance
(124K)
free with in-app purchases
17
Lexington Law - Credit Repair
Lexington Law - Credit Repair
Lexington Law - Credit Repair
Credit Repair, Score & Reports
Free

This app helps individuals improve their credit by challenging inaccurate negative items on their credit reports. It offers personalized credit repair, real-time updates on progress, and insights into credit scores. Users can monitor their credit 24/7 and receive alerts on profile changes.

Personalized credit repairChallenge inaccurate negative itemsReal-time progress updates
๐Ÿ’ฐ Finance
(109K)
free with in-app purchases
18
Self โ€“ Credit Builder & Cash
Self โ€“ Credit Builder & Cash
Self โ€“ Credit Builder & Cash
Build credit or get cash now.
Free

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check
๐Ÿ’ฐ Finance
(316K)
free with in-app purchases
19
Debt Master Payoff Planner
Debt Master Payoff Planner
Debt Master Payoff Planner
Debt Payoff Planner & Tracker
Free

Organize and manage all your personal debts, including mortgages, auto loans, and credit cards. Optimize your repayment with smart strategies like Snowball and Avalanche to reduce interest and achieve financial freedom faster.

Comprehensive debt managementMultiple repayment strategies (Snowball, Avalanche, Fixed, Cascade)Insightful forecasts and analytics
๐Ÿ’ฐ Finance
(1)
free with in-app purchases
20
Debt Relief Karma
Debt Relief Karma
Debt Relief Karma
Manage your debt in one place.
Free

This app helps you manage and reduce your debt by analyzing your financial situation. It offers personalized solutions and connects you with debt relief program providers to help you become debt-free faster.

AI Debt CalculatorPersonalized RecommendationsDebt Type Support
๐Ÿ’ฐ Finance
(4)
free with in-app purchases

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