How do you get top debt consolidation loans that can help you get out of debt? There are many different ways to get loans for debt consolidation, unfortunately most of these ways require good credit. However, there are a few top debt consolidation loans that are specifically for bad or not so good credit. Here are your options.If you own your home, then you are in a good spot, especially if you have a large portion of equity built up in your home that you can use to get the money you need to pay off your debts. You can do this through a second mortgage or a refinance of your first mortgage. Sometimes you can even get companies to go all the way up to 125% of your homes value.Another option, if your debts are fairly small is to go to your bank and see if they will be willing to refinance your vehicle. If your vehicle is paid off you should be able to get a few thousand, depending on the vehicle, and if not they might be able to give you some money on top of paying it off for you. You never know unless you ask.A third options for top debt consolidation loans is to get a couple of credit cards with relatively low rates on them, but high limits. If you have ok credit you should be able to get a credit card with a few thousand dollars as the limit. Turn around and use this card to pay off some of your other debts and you will have less to worry about because it will be consolidated on one card.