Compare real loan offers before you commit to anything.
We match you with vetted lending partners so you can compare real rates and terms side by side — not a single-number guess at what you might qualify for.
From application to offer, in four simple moves
No lengthy forms, no runaround. Here's the entire path from telling us your situation to reviewing real numbers.
Tell us where you stand
Share your income, employment, and what the funds are for. It's quick, and never triggers a hard credit check.
We search our network
Your profile is matched against partners actively funding situations like yours — not run through a generic script.
Line up your offers
See real rates and repayment terms side by side, in plain English, before you decide anything at all.
Pick what works & move
Choose the offer that fits. Once approved, funds are typically sent quickly, though timing depends on your lender.
Whatever kind of balance is weighing on you, there's usually a path to settle it
Every debt negotiates a little differently, and our advisors structure your case around what your creditors typically accept. Here's where most client cases land.
Credit card debt
The single biggest reason payments never seem to move the needle is revolving interest. We negotiate the balance itself down, not just the rate.
Medical debt
Collections on medical bills often have more room to negotiate than most people expect, especially once an account is in collections.
Personal loans
Unsecured personal loan balances that have fallen behind can often be settled for a fraction of what's owed.
Business & merchant cash advance debt
Struggling with a merchant cash advance or business line of credit? We work with owner-operators the same way — case by case, creditor by creditor.
Checking your options costs you nothing
There's no fee to see what you might qualify for, and no obligation once you do. The initial check runs on a soft pull, so looking never dings your score. People make better decisions when they can actually see them clearly first.
- Soft credit check only — see options with zero score impact
- No obligation to accept anything we show you
- Real terms from real lenders, not ballpark estimates
What people actually say
Two other lenders turned me down over one late payment from years back. Settle Debt Swift's partner looked at what I'm earning now instead of digging up old history.
Seeing three real offers laid out the same way, side by side, turned a stressful decision into an easy one.
My AC died in July. I didn't have weeks to shop around, and I had an offer to review much sooner than I expected.
See what you actually qualify for
It takes a few minutes, costs nothing, and won't touch your credit score. Worst case, you walk away with more information than you had five minutes ago.
Important Disclosures: Settle Debt Swift is a marketing lead generator and is not a lender. We do not make lending decisions and cannot guarantee approval. Loan amounts, rates, terms, and eligibility are set solely by the participating lender and are not guaranteed by Settle Debt Swift. We share your information with participating lending partners and may be compensated by them for the referral. We never charge an application fee. Checking your eligibility typically involves a soft credit inquiry that does not affect your credit score; moving forward with a full application may involve a hard inquiry that can. Please review the Privacy Policy and Terms & Conditions before submitting any information.