Clear Debt Hub connects you directly with your own personal loan lender — skip the outside negotiator, skip the added layer — so you can find out whether a lower payoff is actually realistic for you.
Personal loans issued when your credit wasn't at its strongest often carry high interest rates. At rates like that, most of each early payment goes toward interest rather than principal — so the balance can barely move for a long stretch, even when every payment lands on time.
There's another route. Rather than working through years of a loan built that way, you can talk with your lender directly about a different arrangement — a reduced payoff, whether as a lump sum or a restructured plan — and find out if it's realistic for your situation.
Three steps, nothing to sign up front, and no pressure either way.
A short set of questions about your personal loan — who holds it, what's left on the balance, how things have been going. Nothing to upload yet.
We connect you with your lender's own resolution team — no outside negotiator 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 connection, nobody standing between you and your lender.
There's no charge to get connected through Clear Debt Hub, regardless of which lender you end up speaking with.
Information you share is 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 be able to offer costs nothing, and looking isn't a commitment. The first review relies on a soft credit check, so it 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
Weighing 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 Clear Debt Hub 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.
Seeing the real numbers laid out clearly, before I agreed to anything, took a lot of the stress out of deciding.
Nobody tried to sell me on a program. My lender just explained what was possible and let me choose from there.
If something else is on your mind, our team is happy to walk through it on the phone.
Getting connected and looking at your options relies on 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 run a program of our own.
Connecting through Clear Debt Hub 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 path 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 costs nothing to look, and looking doesn't commit you to anything. At the very least, you'll know more than you do right now.
Check my optionsShare a few details below and we'll route your request directly to your lender's resolution team — no added negotiator, no middle layer. Any change to your loan is worked out solely between you and your lender.
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Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Clear Debt Hub 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 Clear Debt Hub 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.