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Its Direct Pay feature sends loan proceeds directly to eligible credit card companies and personal loan lenders, paired with no origination fee and a 0.25% APR discount when at least 50% of proceeds go to creditors. For borrowers needing flexible partial direct-pay, Upgrade ranks third with no minimum percentage requirement. Discover offers the strongest no-fee alternative with next-business-day funding, while LightStream provides the largest loan amounts up to $100,000 but…","target_buyer":"Borrowers who want a consolidation lender to send loan proceeds directly to eligible creditors instead of distributing all funds themselves","topic":{"base_category":"Personal & debt consolidation loans","category_criteria":["Direct creditor payment availability","eligible creditor types","APR and total cost","origination fees","loan amounts","repayment terms","prequalification options"],"geography":"United States","slug":"best-debt-consolidation-loans-that-pay-creditors-directly","title":"Best Debt Consolidation Loans That Pay Creditors Directly","use_case":"Direct-to-Creditor Debt Consolidation"}}