Best Debt Consolidation Apps

249+ iOS apps curated and reviewed

4.8 avg rating
19 free apps
Updated September 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 (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Freedom Debt ReliefFreedom Debt ReliefFree4.9โ˜… (20K)NoNoSep 2026
2Debt Consolidation - OneBillDebt Consolidation - OneBillFree5.0โ˜… (9)NoNoAug 2026
3Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9โ˜… (43K)NoNoSep 2026
4Relief: Get out of debtRelief: Get out of debtFree4.5โ˜… (3.6K)NoNoSep 2026
5Gauss: Payoff Credit Card DebtGauss: Payoff Credit Card DebtFree4.9โ˜… (3.9K)NoNoSep 2026
6OneMainOneMainFree4.8โ˜… (91K)NoNoSep 2026
7Avoloan: your way out of debtAvoloan: your way out of debtFree5.0โ˜… (3)NoNoMay 2026
8Intuit Credit KarmaIntuit Credit KarmaFree4.8โ˜… (7.7M)NoNoSep 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
Debt Consolidation - OneBill#2

Debt Consolidation - OneBill by D.B CAP LTD

Debt Relief & Personal Loans
Strong Contender
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.

Upstart: Personal Loans + More#3

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

Money for moments that matter
Worth Considering
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(43K 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
  • ๐Ÿค” Unclear approval criteria
  • ๐Ÿคจ Unethical business practices

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 September 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 Debt Consolidation - OneBill.
Freedom Debt Relief has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 249+ debt consolidation apps on the iOS App Store as of September 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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