Debt Rescue Team puts you in direct contact with your own personal loan lender — skip the independent specialist, skip the middleman, and see whether a lower payoff is actually on the table. It takes about two minutes.
A lot of personal loans — particularly the ones approved when your credit wasn't at its strongest — carry interest rates of 20% or higher. At that rate, roughly 71% of every early payment goes toward interest before any of it chips away at your actual balance. That's why the number can hold steady for months even when you never miss a payment.
There's a shorter path: rather than grinding through the full loan term at that rate — where only about 29% of an early payment actually reduces what you owe — you work out a lower payoff directly with your lender, whether that's a lump sum or a short, structured plan.
Three steps, nothing to sign up front, and no obligation once you see the numbers.
A quick set of questions about your personal loan — who holds it, what's left on the balance, how things are going. Nothing to upload yet.
We put you in touch with your lender's own resolution team — no independent specialist added in, and no blast to a network of other companies.
Go over it directly with your lender, look at what's actually on the table, and decide for yourself — no obligation either way.
One direct line, nobody standing in between — just you and your lender.
There's no charge to get connected through Debt Rescue Team, regardless of which lender you end up working with.
It's encrypted moving through our system and shared only with the lender we connect you to — never handed off to unrelated call centers.
You're linked up with your lender's team directly, instead of your number getting circulated around.
This route tends to make the most sense once a balance has grown large enough to matter — your lender can tell you if that's where you stand.
Seeing what your lender might offer costs nothing, and you're not obligated once you do. The first look runs on a soft credit pull, so checking won't touch your score.
You don't need a perfect credit score or a fully mapped-out budget — just a willingness to look at where things actually stand.
A real balance sitting on one or more personal loans
Payments that feel stuck in place — the balance hardly moves month to month
Considering bankruptcy, but wanting to rule out other options first
Already behind, or worried you're about to fall behind, on a loan
This isn't the right move for everyone — which is exactly why we connect instead of push. If it doesn't fit your situation, your lender will say so, and explain why.
A few people Debt Rescue Team has connected straight to their own lender.
I had two different loan companies calling every week. Now I'm dealing with just one, directly, and I actually know what's going on month to month.
Having the real numbers spelled out clearly, before I agreed to anything, took a lot of the stress out of deciding.
I avoided dealing with it for almost a year out of embarrassment. The first call was just questions, not a sales pitch, and that's what actually got me moving.
Getting connected and looking at your options is built around a soft inquiry, if there's one at all, so it typically won't touch your credit score. If you decide to move forward, ask your lender directly how their process affects your credit before you sign anything.
No. We're a connection service, not a lender or settlement company. We put you in direct touch with your own personal loan lender — we don't lend money, negotiate on your behalf, or operate a program of our own.
Connecting through Debt Rescue Team costs nothing. Whatever changes on your loan gets worked out directly between you and your lender, and any fees involved are explained to you by your lender before you agree to anything.
That depends on your total balance, your lender, and how much you can realistically set aside each month. Your lender can lay out a timeline that actually matches your situation.
Most of the lenders we work with handle unsecured personal loans — bank loans, credit union loans, online installment loans, and no-credit-check loans. Secured debt, like a mortgage or an auto loan, usually doesn't qualify.
Your information is encrypted in transit and only shared with the lender we connect you to — it's never sold off to unrelated third parties or call centers.
It takes a few minutes, costs nothing, and doesn't commit you to anything. At worst, you know more than you did five minutes ago.
Check my free optionsAnswer a few quick questions about your personal loan balance. It's free to check, there's nothing to sign, and you're never obligated to move forward.
By checking the consent box and clicking “Continue” / “Submit”, you agree to our Terms & Conditions and Privacy Policy, 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 Rescue Team and its Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, and Liberty First Lending LLC) to contact you by call or text (including via ATDS, artificial/prerecorded or AI voice, or ringless voicemail) even if on a Do-Not-Call list. Consent is not a condition of purchase or credit. Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Debt Rescue Team, its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
Important Lending, Financial Services, Fair Credit Reporting Act (FCRA), E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Debt Rescue Team 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.
Fair Credit Reporting Act (FCRA) Written Consent: Additionally, by clicking on the “Continue” button above, I am providing express written consent under the Fair Credit Reporting Act for Debt Rescue Team, its partners (including Monevo and Alleviate Financial Solutions), to obtain my consumer credit report from my credit profile or other information from a Credit Bureau(s) in order to provide me with personal loan and debt consolidation options without affecting my credit score.
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 Rescue Team and its designated Marketing Partners (including Alleviate Financial Solutions, Monevo, Americor, Tri-Point Lending, Trusta Financial, Reset Lending, Liberty First Lending LLC, and 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.
Credit Profile & Loan Marketplace Partners: Monevo, Alleviate Financial Solutions.
Direct Buyers & Lending / Resolution Desks: Americor (Americor Funding LLC / Americor Holdings LLC), Tri-Point Lending (Tripoint Lending), Trusta Financial, Reset Lending, Liberty First Lending LLC, Lift Lending, Element Financial (Element Tree), Summit Debt Group (Summit DG), KeyShot Funding, United Holding Group (UHGP), 1West Finance (1West), RoundSky Inc. (RoundSky), Payless Now, AVTax Legal Group, Direct Business Funding Desk (MCA DFN / Direct Funding Now), Clear Debt Financial, Alleviate Financial Solutions, Springview Financial, Sea Coast Lending, My Debt Solution (MDS), Amerigard Financial, Venture Media, MX United, AG Debt Relief, Alliance Tax Defense, Omni Tax Resolution (OMN), Ovation Tax Group, Logiqs, Alliance Funding Group (AFG), Mulholland Investment Group (Select Funding), National Funding (QuickBridge), Momen Legal Services, P.C. (MLS), Consumer Legal Group (CLG), Go Ads LLC, Paraclete Law, P.C., Monevo, Engine by MoneyLion (Fiona), LendingTree, SmartCredit, Oasis Financial, Walker Advertising (Los Defensores), 4LegalLeads.
Participating Financial Services Companies: Freedom Debt Relief LLC, National Debt Relief LLC, Accredited Debt Relief LLC, Pacific Debt Relief Inc., CuraDebt Systems LLC, New Era Debt Solutions Inc., ClearOne Advantage LLC, Century Support Services LLC, Beyond Finance LLC, JG Wentworth Debt Relief LLC, Oak View Law Group APC, Premier Debt Help LLC, Guardian Debt Relief LLC, Timberline Financial LLC, Alleviate Financial Solutions, Landmark Debt Relief Corp., Harborstone Debt Settlement LLC, BlueHarbor Debt Solutions LLC, Bridgewater Financial Relief LLC, ClearPath Credit & Debt Relief Corp., Pinnacle Debt Resolution Group LLC, Sovereign Debt Advocates Inc., Cornerstone Debt Settlement Partners LLC, Redwood Debt Relief Advisors Inc., SilverCreek Debt Resolution LLC, Meridian Point Debt Relief Solutions, First Harbor Debt Settlement Services LLC, Summit Peak Debt Relief Advisors, Avalon Coast Debt Resolution Partners, Granite State Debt Relief Solutions LLC, Highland Park Debt Settlement Group LLC, Anchor Point Debt Relief Services Inc., Patriot Ridge Debt Resolution Group, Trident National Debt Relief LLC, Upgrade Inc., Upstart Network Inc., Avant LLC, Prosper Funding LLC, LendingClub Bank N.A., Best Egg (Marlette Funding LLC), OneMain Financial Group LLC, SoFi Lending Corp., LightStream (Truist Bank Division), Happy Money Inc., Monevo, Universal Credit Services LLC, Reach Financial LLC, NetCredit Loan Services LLC, Mariner Finance LLC, OppFi (Opportunity Financial LLC), Republic Finance LLC, Regional Finance Corp., Heights Finance Corp., World Finance Corp., Security Finance Corp., First Heritage Credit LLC, Sun Loan Company, Covington Credit Inc., Southern Finance LLC, Lendmark Financial Services LLC, SpringLeaf Consumer Loan Group LLC, Apex Meridian Personal Lending LLC, Beacon Crest Personal Loans Corp., Crestview Consumer Finance Corp., Vanguardia Personal Lending Solutions LLC, NorthStar Personal Credit Inc., Clearwater Consumer Lending Inc., Optima Tax Relief LLC, Community Tax LLC, Anthem Tax Services LLC, Fortress Tax Relief LLC, Precision Tax Relief LLC, Ideal Tax Solution LLC, Larson Tax Relief Inc., Tax Defense Network LLC, Victory Tax Lawyers LLP, Tax Group Center Inc., Benchmark Tax Relief Group LLC, Tax Hardship Center LLC, StopIRSDebt.com (Stop IRS Debt LLC), Five Star Tax Resolution LLC, Fresh Start Tax Relief Advisors LLC, Tax Rise Inc. (TaxRise), Wynn Tax Solutions LLC, Polston Tax Resolution & Accounting, Rush Tax Resolution LLC, Justice Tax LLC, Lifeline Tax Relief Group LLC, Tax Network USA Inc., Eagle Tax Resolution Partners LLC, Liberty Tax Resolution Services LLC, Sovereign Oak Tax Relief Advisors, Keystone Direct Tax Resolution LLC, Oakridge National Tax Relief LLC, Centurion Tax Defense Group Inc., Evergreen Tax Resolution Partners LLC, Frontline Tax Relief Advisory Inc., Westgate Tax Resolution Services LLC, Monarch Direct Tax Relief LLC, Solstice Tax Resolution Partners LLC.