Verified client
"I wasn't sure I'd qualify for a decent rate, but my matched lender walked me through the numbers before I signed anything."
M.R.
M.R.
Verified client — Texas
Free to check. No obligation to accept.
One fixed payment could replace all of that.
Get matched with a licensed lender offering personal loans to pay off high-interest balances with one predictable monthly payment. Two minutes to check your rate.
Checking your rate uses a soft credit check — it won't affect your score.
Vetted lenders
Licensed, not a call center
No fees to apply
To see your rate
Most of a typical payment goes to interest first.
What's left is what actually reduces your balance.
Illustrative only — actual interest and payoff depend on your rate and balance.
Minimum payments are doing exactly what they're built to do.
Most revolving balances carry high APRs. Interest is calculated and applied before your payment ever touches what you actually borrowed — so the balance barely moves, no matter how consistently you pay.
A personal loan works differently. One fixed-rate loan pays off those balances directly, replacing years of compounding interest with a single predictable payment.
Three steps. No paperwork to start.
None of this locks you into anything — you decide at the end whether to move forward.
1
Tell us what you need
A short set of questions about your income and what you're looking to pay off. Nothing to upload yet.
2
Get matched to one lender
Not a blast to every company in the network — we connect you with a licensed lender suited to your credit profile.
3
Review your rate and terms
See your rate, term, and monthly payment before you accept anything. There's no obligation to sign.
What working with Debt Settle Co. actually looks like.
Built for whatever you're financing
Debt consolidation, medical bills, home projects, or a major purchase — a personal loan gives you one lump sum and one fixed monthly payment.
Several balances, several due dates
One loan, one fixed payment every month
Debt consolidation
Combine multiple balances into one fixed payment
Medical bills
Cover unexpected medical or dental expenses
Home improvement
Repairs, renovations, or a major purchase
Life events
Moving, a wedding, or another big expense
Getting matched takes minutes. What happens after is where it counts.
Once you're matched, your lender lays out the rate, term, and monthly payment in plain language — not a teaser rate that changes later. You'll know exactly what you're signing before you accept anything.
- A licensed lender reviews your application
- You see your rate and monthly payment upfront
- Nothing moves forward without your sign-off
Match status
Live
Lender match found
Licensed, suited to your credit profile
Rate and terms reviewed
Plain language, no fine-print surprises
Funding
Waiting on your decision
Next step
Your call
Most personal loan borrowers look a lot like you.
You don't need a perfect credit score to see what you'd qualify for — that's what the two-minute review is for.
Licensed, vetted network partners
No cost, no obligation to check
You're carrying a meaningful amount of high-interest debt across multiple accounts
You have steady income but want a lower rate than your cards
You'd rather pay one fixed rate than a variable card APR
You'd rather have one payment than several separate bills
None of these are hard requirements. The only way to know for certain is to see your matched rate for yourself.
What people say once they've seen their options.
Verified client
"The questionnaire took less time than I expected, and nobody pressured me to sign up on the spot. I appreciated that more than I thought I would."
J.T.
J.T.
Verified client — Ohio
Verified client
"Having one lender to talk to instead of juggling four different due dates changed how I thought about the whole situation."
A.K.
A.K.
Verified client — Georgia
Questions people ask before they click the button
Getting matched and checking your rate is designed to work with a soft inquiry, if any, so it typically doesn't affect your credit score. If you move forward with a lender, ask them directly how their process works before signing anything.
No. We're a matching service. We connect you with independent, licensed lenders in our network — the lender you're matched with determines your final rate, term, and approval. We don't lend money directly.
Checking your rate through Debt Settle Co. is free. Any interest or fees are set by the lender you choose and disclosed to you directly before you accept an offer.
Loan amounts vary by lender and depend on your credit profile and income. Your matched lender will confirm exactly what you qualify for before you accept anything.
Most borrowers use their loan for debt consolidation, medical bills, home improvement, or another major expense. Specific requirements and restrictions vary by lender.
Your information is encrypted in transit and shared only with the lender we match you to — never sold to unrelated third parties or call centers.
See what a lower rate could look like for you.
It takes a couple of minutes, costs nothing, and doesn't commit you to anything. Worst case, you leave with a clearer picture than you had five minutes ago.
No cost to check your options
No obligation to accept an offer
A licensed lender reviews it personally
Check My Rate
See what fits your budget.
Share a few details below and a specialist will review your request. Approval, amount, and terms are confirmed with you directly — you're under no obligation to move forward.
No application fee charged by this website
Checking your rate uses a soft credit check — it won't affect your score
Bank-level encryption on everything you submit
Prefer to talk? Call (866) 902-0436
Debt Settle Co.
CHECK MY RATE
Debt Settle Co.
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Debt Settle Co.
Guided personal loan matching
(866) 902-0436
Mon – Fri, 8:00am – 7:00pm ET
1550 Wynkoop Street, Suite 300, Denver, CO 80202
Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Debt Settle Co. is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Debt Settle Co. and its designated Marketing Partners (along with participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.