Debt consolidation rates are impacted by a range of factors, including:Your credit score: A higher credit score usually means a lower annual percentage rate (APR).Your DTI: A lower DTI will help you qualify for a lower APR.The loan amount: Higher loan amounts may have higher APRs.The repayment term: Shorter repayment terms often have lower interest rates, but not always.The lender: Rates differ across lenders, which is why it’s best to prequalify with multiple lenders to find the best debt consolidation loan rates.