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.
Check my rateSee what fits your budget.
Share a few details below and a specialist will review your request and follow up with your options. Nothing is final until you review the terms and choose to move forward.
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Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Settle Debt Swift 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 Settle Debt Swift 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.