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How It Works

Get a Free Debt Analysis

Answer a few simple questions or speak to one of our loan experts to find an option that's right for you.

Select a Plan for Your Needs

From credit cards to medical bills, most debt can be consolidated or negotiated, even if you've been denied before.

Get Out of Debt Faster

Lower your payments and ease financial stress. Most clients feel immediate relief and can be free of debt in 24 to 48 months.

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Common Questions About Debt Consolidation

What is debt consolidation, and how does it work?

Debt consolidation combines multiple debts into one loan with a single monthly program payment. This makes it easier to manage your finances and often reduces the overall interest rate.

Will debt consolidation hurt my credit score?

Initially, your credit score may dip slightly due to a hard credit inquiry. However, as you make timely payments, consolidation can actually improve your credit over time by lowering your credit utilization rate and helping you avoid missed payments.

How much can I save with debt consolidation?

Your savings depend on your current interest rates, loan terms, and payment amounts. Typically, consolidating high-interest debts into a lower-interest loan saves money on interest and can reduce monthly program payments.

Am I eligible for debt consolidation?

Eligibility varies by lender, but generally, you'll need to have a steady income and a credit score that meets the lender's requirements. Some programs may also be available for people with less-than-perfect credit.

Real People. Real Debt Relief.

Five Reasons to Consolidate Your Debt

1. Simplify Your Finances

Combining multiple debt payments into a single monthly program payment streamlines your finances, making it easier to keep track of due dates and stay on top of payments without the risk of missing one.

2. Reduce Your Interest Rate

High-interest credit cards and loans can keep you trapped in debt for years. With a debt consolidation loan, you may qualify for a lower interest rate, which reduces the amount you pay in interest over time and helps you save money.

3. Lower Monthly Program Payments

Debt consolidation often results in lower monthly program payments, which can ease financial pressure and free up money for other essentials or savings, helping you regain control over your budget.

4. Pay Off Debt Faster

With lower interest rates and a structured payment plan, debt consolidation can help you pay off debt more quickly than if you continued making minimum payments on multiple high-interest accounts.

5. Reduce Financial Stress

Managing multiple debts can be stressful. Debt consolidation simplifies your obligations, making financial management less overwhelming and giving you peace of mind as you work toward becoming debt-free.

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