Best Debt Consolidation Apps

249+ iOS apps curated and reviewed

4.7 avg rating
19 free apps
Updated August 2026

Finding the right debt consolidation apps can be overwhelming with so many options. We've analyzed 249+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Debt Consolidation Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Freedom Debt ReliefFreedom Debt ReliefFree4.9โ˜… (20K)NoNoAug 2026
2Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9โ˜… (40K)NoNoAug 2026
3Debt Consolidation - OneBillDebt Consolidation - OneBillFree5.0โ˜… (9)NoNoAug 2026
4Avoloan: your way out of debtAvoloan: your way out of debtFree5.0โ˜… (3)NoNoMay 2026
5Relief: Get out of debtRelief: Get out of debtFree4.6โ˜… (2.5K)NoNoAug 2026
6Gauss: Payoff Credit Card DebtGauss: Payoff Credit Card DebtFree4.9โ˜… (3.7K)NoNoAug 2026
7Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7โ˜… (7.2K)YesYesAug 2026
8Intuit Credit KarmaIntuit Credit KarmaFree4.8โ˜… (7.7M)NoNoAug 2026

Top Picks for Debt Consolidation

Freedom Debt Relief#1

Freedom Debt Relief by FreedomDebtRelief LLC

Client Dashboard
Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜Š(20K 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#2

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

Money for moments that matter
Strong Contender
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(40K ratings)
Free
#85in 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
Upstart: Personal Loans + More screenshot 6

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
Debt Consolidation - OneBill#3

Debt Consolidation - OneBill by D.B CAP LTD

Debt Relief & Personal Loans
Worth Considering
๐Ÿ’ฐ Finance
5.0(9 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.

More Debt Consolidation apps to explore

4
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
5
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
(2.5K)
free with in-app purchases
6
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
(3.7K)
subscription
7
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
(7.2K)
free with in-app purchases
8
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
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
9
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
(91K)
free
10
Changed: Automate Debt Payoff
Changed: Automate Debt Payoff
Changed: Automate Debt Payoff
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
(5.4K)
free with in-app purchases
11
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Support When You Need Money
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
(151K)
subscription
12
Debt Payoff Accelerator
Debt Payoff Accelerator
Debt Payoff Accelerator
Simple loan calculator
Free
๐Ÿ’ฐ Finance
(0)
13
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
14
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
15
Lift Debt
Lift Debt
Lift Debt
by Denis Christian Grzybek
Free
๐Ÿ’ฐ Finance
(0)
16
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
17
Debt Crusher
Debt Crusher
Debt Crusher
by Asset Planet
Free
๐Ÿ’ฐ Finance
(0)
18
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
19
Debt Payoff: Snowball Plan
Debt Payoff: Snowball Plan
Debt Payoff: Snowball Plan
Avalanche tracker & calculator
Free
๐Ÿ’ฐ Finance
(0)
20
Debt Demolisher
Debt Demolisher
Debt Demolisher
Snowball Your Way Out of Debt!
$1.99
๐Ÿ’ฐ Finance
(0)

FAQ about Debt Consolidation

What are the best debt consolidation apps for iPhone?
Freedom Debt Relief tops our debt consolidation apps ranking as of August 2026, with a 4.9-star average from 20K App Store ratings, and it's free to download.
Yes โ€” 19 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 August 2026.
We track 249+ debt consolidation apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Key features include instant push notifications for settlement offers, the ability to review and authorize offers with a single tap, a comprehensive overview of deposits and account balances, tracking of enrolled debts and active settlements, and a view of your total savings.
This app is designed for existing clients of Freedom Debt Relief who are enrolled in a debt relief plan. It provides them with a convenient way to monitor and manage their plan's progress directly from their mobile device.

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