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The average So Fi lender has a credit score of 700.
Avant and Upgrade are willing to dip into the 620-580 range.
One of the best we found during our research was USAA, a military credit union that covers not just military members, but also their families — even down to grandchildren and beyond (provided that their parents have USAA insurance).
Its APRs for debt consolidation loans max out at 10.99%, which only one other of our contenders (Western Credit Union) could match.
If you’re balancing so many different payments that you have trouble keeping your due dates straight — or if your interest rates are hindering your ability to pay what you owe — consolidation can be a quick step towards simpler payments and lower interest rates.