Best debt consolidation 2026
The best debt consolidation providers compared on fees, support, coverage of needs and transparency. Editorial ranking scored out of 100 according to our methodology.
- ⚠️ Lowering the monthly payment by extending the repayment term almost always increases the total cost: compare the APR before/after, not just the monthly payment.
- CAFPI relies on a large network of branches; Partners Finances specialises in consolidation; Solutis covers a wide range of profiles.
- Brokers (IOBSP) do not lend: they present your application to partner banks. Their brokerage fees (often 1 to a few % of the capital) are payable only after the funds are released and are negotiable.
- ⚠️ This comparison does not constitute personalised advice; check the APR, fees and up-to-date terms of each offer.
Debt consolidation can relieve a budget by combining several loans into a single monthly payment, but extending the term almost always weighs on the total cost: the lower monthly payment is paid for in additional interest, which is why it is important to compare the APR before and after the operation. The choice of intermediary then comes down to the quality of the support and the transparency of the fees. This comparison is an editorial ranking scored out of 100 according to an identical grid; it does not replace reading the up-to-date terms and APR of each offer.
Our methodology
Each option is scored out of 100 against weighted criteria, using the same grid for all.
| Criterion | What we look at | Weight |
|---|---|---|
| Cost of financing | APR, application fees, guarantees | 30 |
| Support | Advice, application setup, follow-up | 25 |
| Coverage of needs | Property, consumer, cash | 20 |
| Transparency | Clarity of terms and fees | 15 |
| Customer service | Availability and responsiveness | 10 |
The 2026 ranking
CAFPI
Partners Finances
Solutis
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Comparison table
| Provider | Review | Final cost | Scope | Score |
|---|---|---|---|---|
| CAFPI | Free | On quote (APR) | Property/consumer | 91 |
| Partners Finances | Free | On quote (APR) | Consolidation | 89 |
| Solutis | Free | On quote (APR) | Consumer/cash | 86 |
Frequently asked questions
Does debt consolidation lower the total cost?
Not necessarily, and most often no. It reduces the monthly payment by extending the repayment term, which generally increases the total cost of the loan. The only reliable benchmark is the APR: compare the APR and the total cost before and after the operation, fees included.
Does a debt consolidation broker charge fees?
The application review is often free. Brokers (IOBSP intermediaries) do not lend and are paid through brokerage fees, generally a few per cent of the consolidated capital, payable only after the funds are released. These fees are negotiable: ask for the breakdown in writing.
What fees should you expect on top of the rate?
Beyond the nominal rate, the APR includes application fees, guarantee fees (mortgage, surety), any early repayment penalties, the release of the mortgage and borrower insurance. It is the whole of these fees that must be compared.
Who can do a debt consolidation?
Eligibility depends on your situation (income, debt ratio, nature of the loans). Each provider applies its own acceptance criteria. Credit resulting from a consolidation remains subject to the same rules as any credit (mandatory disclosures, APR, usury rate).
🗓️ Update history
- 05/08/2026 — Verification of providers and facts, 2026 update.
- 16/07/2026 — Update of support and transparency criteria.
- 11/03/2026 — Comparison created.
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