Best Debt Consolidation Apps

250+ iOS apps curated and reviewed

4.7 avg rating
17 free apps
Updated November 2026

Finding the right debt consolidation apps can be overwhelming with so many options. We've analyzed 250+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Debt Consolidation Apps (November 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Freedom Debt ReliefFreedom Debt ReliefFree4.9★ (23K)NoNoNov 2026
2Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (49K)NoNoNov 2026
3Debt Consolidation - OneBillDebt Consolidation - OneBillFree5.0★ (12)NoNoOct 2026
4Relief: Get out of debtRelief: Get out of debtFree4.5★ (6.1K)NoNoNov 2026
5Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.8M)NoNoNov 2026
6Gauss: Payoff Credit Card DebtGauss: Payoff Credit Card DebtFree4.9★ (4.6K)NoNoNov 2026
7SLICE: Debt PayoffSLICE: Debt PayoffFree5.0★ (30)NoYesNov 2026
8DebtAppDebtAppFree4.2★ (73)NoNoNov 2026

Top Picks for Debt Consolidation

Freedom Debt Relief#1

Freedom Debt Relief by FreedomDebtRelief LLC

Client Dashboard
Editor's Choice
💰 Finance
4.9😊(23K ratings)
Free
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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 negotiations. Seamlessly access your online dashboard for more resources.

What We Love

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

Room to Improve

  • 🐛 App does not accurately reflect account information
  • 💰 20% service fee, which can be costly
Upstart: Personal Loans + More#2

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

Money for moments that matter
Strong Contender
💰 Finance
4.9😞(49K ratings)
Free
#68in Finance
Upstart: Personal Loans + More screenshot 1
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Upstart: Personal Loans + More screenshot 6

Borrow money for personal needs or debt consolidation with fast approvals and flexible repayment options. Access funds quickly through personal loans or a revolving credit line. Manage your account, compare offers, and get support 24/7.

What We Love

  • 👍 Easy to use
  • 👍 Convenient app
  • 👍 Quick loan approval
  • 🚀 Fast loan disbursement

Room to Improve

  • 🐛 Login issues
  • 💰 High interest rates
  • 🕰️ Slow payment processing
  • 🤔 Unclear approval criteria
  • 🤨 Unethical business practices
Debt Consolidation - OneBill#3

Debt Consolidation - OneBill by D.B CAP LTD

Debt Relief & Personal Loans
Worth Considering
💰 Finance
5.0(12 ratings)
Free
Debt Consolidation - OneBill screenshot 1
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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.

More Debt Consolidation apps to explore

FAQ about Debt Consolidation

What are the best debt consolidation apps for iPhone?
Freedom Debt Relief tops our debt consolidation apps ranking as of November 2026, with a 4.9-star average from 23K App Store ratings, and it's free to download.
Yes — 17 of the top debt consolidation apps we rank are free to download, including Freedom Debt Relief and Upstart: Personal Loans + More.
Freedom Debt Relief has no ads and has no in-app purchases, according to its App Store listing as of November 2026.
We track 250+ debt consolidation apps on the iOS App Store as of November 2026, ranked by rating, recency, and analysis of real user reviews.

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