★ Excellent rating from 9,000+ members | No upfront fees | Talk to a specialist: (620) 302-8868
Low-interest consolidation loans

Finally resolve your debt for good.

Resolve Lending gives you one low-interest loan to pay off your high-rate credit cards and debts. Trade a pile of payments for a single fixed monthly payment, save on interest, and know the exact date you'll be debt-free. As your balances fall, your credit has room to climb toward even better rates. No upfront fees, ever.

★★★★★
4.9/5 from 9,000+ members
No upfront fees
Members have paid off
$2.3B
in high-interest debt with Resolve loans.
★★★★★

"One low-interest loan from Resolve paid off all five of my cards. Now it's a single payment and I'm losing far less to interest."

Carmen V., Austin TX
What we help with

The high-interest debt one loan can clear

A Resolve loan pays off these balances, so you replace a stack of high-rate payments with one lower-rate loan. Not sure if yours qualify? Ask us, it's free.

Credit cards

Store cards, rewards cards, and any high-APR balance dragging you down.

Medical bills

Surprise bills and collections from hospitals, clinics, and specialists.

Personal loans

Unsecured installment loans with rates that never seem to move.

Collections

Charged-off accounts and past-due balances sitting with collectors.

Retail & financing

Buy-now-pay-later plans and store financing that piled up fast.

Business debt

Personally-guaranteed business cards and lines that follow you home.

$2.3B+
Debt paid off
for our members
250K+
People helped
and counting
40%
Less interest paid
on average
4.9★
Member rating
9,000+ reviews
How it works

Three steps to a resolved balance

No spreadsheets, no awkward creditor calls. You bring the debt, we bring the plan.

2 min
1

Check your rate

See your personalized loan offer in about two minutes. Checking your rate is a soft pull that never affects your credit score.

We do this
2

Get funded

Accept your low-interest loan and Resolve pays off your cards and debts directly, so your high-rate balances are gone fast.

You're free
3

One simple payment

Make one fixed monthly payment at a lower rate, watch your balance fall on a set schedule, and give your credit the room it needs to climb toward even better rates.

Free savings estimate

See what Resolve could save you

Slide to match your situation. We'll compare three real paths out of debt side by side. No email required.

Your numbers

Updates instantly. Nothing is stored.

$5k$100k
8%36%
$150$2,500

Estimates only, for illustration. Your actual loan rate, term, and savings depend on your credit and are confirmed before you accept.

You could save an estimated
$14,600
and be debt-free in about 36 months with Resolve
With ResolveLow-interest loan
$20,600~36 months
Other lendersTypical ~15% APR
$34,800~60 months
Minimum paymentsStaying on your cards
$48,20020+ years
Check my rate
Why Resolve

Straight talk, real relief

Most people wait years too long because the whole thing feels overwhelming. We built Resolve to be the opposite: clear, upfront, and genuinely on your side.

One simple payment

Combine every balance into a single monthly payment. No more juggling cards or due dates.

One specialist, start to finish

A dedicated expert owns your case, not a different call-center agent every time.

A lower interest rate

Stop feeding high-APR cards. Consolidating can cut what you lose to interest every month.

No prepayment penalties

Pay ahead or clear your loan in full whenever you like, at no extra cost.

2 to 5 yrs
Choose a fixed loan term, so you know your exact payoff date.
Compared with 20-plus years of minimum payments on the same balances, you finish years sooner and pay far less along the way.
★ 4.9 / 5

People who got their footing back

★★★★★
"I was juggling six payments and drowning in interest. One Resolve loan paid them all off, and now it's a single payment I can actually breathe under."
Marcus T.
Denver, CO
Saved $21,300
★★★★★

"No judgment, no runaround. Just a real plan and a person who picked up when I called."

Aisha K.
Newark, NJ
Saved $9,800
★★★★★

"One loan paid off five cards at a rate that actually made sense. Debt-free years sooner than I imagined."

Ryan P.
Mesa, AZ
Saved $13,450
Good questions

Everything you're wondering

How does Resolve actually work?+
Resolve gives you a single low-interest loan and uses it to pay off your high-rate credit cards and debts. From then on you make one fixed monthly payment to Resolve, usually at a much lower rate, so more of your money goes to principal and you have a clear payoff date.
How much can I actually save?+
It depends on your balances and current rates, but members typically save by replacing high-APR cards with one lower-rate loan. Use the estimate tool above for a personalized ballpark; your exact rate depends on your credit and is confirmed before you accept anything.
Will this hurt my credit?+
Checking your rate is a soft inquiry and won't affect your score. Accepting a loan may involve a hard inquiry, but many members' credit improves over time as they pay down their cards and make one on-time payment. Results vary.
What does it cost?+
There are no upfront fees to check your rate. Your loan's APR and any origination fee are shown clearly before you accept, so there are never surprises.
How long is the loan term?+
Loan terms typically run 24 to 60 months. You choose the term that fits your budget and know your exact payoff date the day you sign.
Which debts qualify?+
Most unsecured debts: credit cards, medical bills, personal loans, collections, retail financing, and more. Your Resolve loan pays them off and you repay the one loan. Secured debts like mortgages and auto loans work differently since they're tied to collateral.

Ready to resolve your debt?

Check your rate in minutes and see your one low monthly payment, how much you'd save, and your exact payoff date.

Free and no obligation
Won't affect your credit to check
No upfront fees

Check your rate

Two minutes. Zero pressure.

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You're all set!

Thanks! A Resolve specialist will reach out shortly with your personalized loan offer.