Debt Free Firm | Many Balances. One Clear Path.

Personal loan introductions

Many balances.One clear path.

Debt Free Firm introduces you to a lender that may be able to roll your unsecured balances into a single personal loan, leaving you one payment to plan around and one team to talk to.

Rather talk it through?(844) 580-2309

Consolidating does not cancel what you owe. It reorganizes it into one loan that you repay. Getting started typically involves a soft inquiry, which generally does not affect your credit score.

Portrait of a man representing a Debt Free Firm client
One lender. One payment.
Continue your request

Start your next step.

Share a few basics below and our team will look at whether a personal loan could help bring your balances together. It costs nothing to find out, and there is no obligation to go further.

  • Free to explore, with no obligation to accept an offer
  • Consolidating reorganizes what you owe into one loan — it does not cancel it
  • Getting started typically involves a soft inquiry, which generally does not affect your credit score
Prefer to talk? Call (844) 580-2309
Debt Free Firm
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Debt Free Firm
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By submitting, you agree to our Terms & Conditions and Privacy Policy.

By submitting, you agree to our Terms & Conditions and Privacy Policy.
  • Free to exploreChecking never costs you
  • Soft inquiry to startTypically no effect on your score
  • People who answerA real lender, not a relay
  • Always your callNothing binds you until you agree

The difference

Five due dates. One relationship.

Every card, store account and medical bill keeps its own calendar and answers to its own company. Where a consolidation loan is available to you, it can bring them together under a single lender, so there is one relationship to manage instead of many.

Whether a loan is offered, and on what terms, depends on your credit profile, income and current balances. The lender will explain where you stand.

Your accounts Scattered
  • Credit cardIts own schedule
  • Store cardAnother lender
  • Installment loanSeparate payment
  • Medical billIts own terms
  • Other unsecured billOne more to track

How it works

Three steps. Your pace.

A person at the lender picks up the conversation, not a phone tree. This is the route from your first answer to your final decision.

  1. Step 1

    Share what you carry

    Answer a short set of questions about the kinds of balances you hold and what you would like to simplify. No paperwork is needed to begin.

  2. Step 2

    Meet one lender

    We introduce you to a single lender that works with borrowers in situations like yours, rather than sending your details out to a crowd of companies.

  3. Step 3

    Decide with the facts

    Read every line, ask whatever you like and take as long as you need. Nothing takes effect unless you choose to agree.

Or call us(844) 580-2309

Why Debt Free Firm

A steadier way to find the right lender.

Plain language, a direct line to a lender and no surprises about what comes next.

Free to use, start to finish

Debt Free Firm charges you nothing for the introduction, whichever lender you are paired with. Exploring your options carries no price tag.

  • No cost for the introduction
  • Soft inquiry to begin
  • No obligation to accept

Your details stay close

What you share travels over a secure connection and goes only to the lender you are paired with, not out to a wider circle of outside marketers.

One lender at a time

You are connected with a single lender, so your phone does not fill up with competing pitches.

Honest about fit

This route makes the most sense when several balances are open at once, and the lender will tell you plainly if it is not a match.

Fit check

Sound like your situation?

You do not need flawless credit or a perfect budget. All it takes is a willingness to look at where you stand, clearly and without pressure.

Or speak with someone(844) 580-2309
Pick anything that applies

Nothing picked yet.

This is not an eligibility test. A consolidation loan suits some people and not others, and only a lender can say what may be open to you.

Our commitments

The standards we keep.

We introduce. We do not lend.

Debt Free Firm is a referral service. The lender you meet alone sets your rate, your terms and whether you are approved.

We never oversell it.

Consolidation reorganizes what you owe into one loan. It does not cancel or forgive it, and it is not right for everyone.

We guard your information.

Your details go only to the lender you are paired with. We do not sell them on to outside marketers.

Questions

What people ask first.

Straight answers to the things most people wonder about before they begin.

Generally not at the start. Early steps typically involve a soft inquiry, if any inquiry at all, and those do not normally move a score. Ask the lender to describe their process before you agree to proceed.

No. A consolidation loan pays off your existing balances with a new loan, which you then repay to the lender. The aim is to simplify what you owe, not to cancel it. Debt Free Firm is not debt settlement or debt forgiveness.

No. Debt Free Firm is a referral service and does not make loans. We introduce you to a personal loan lender, and that lender alone decides your rate, your terms and whether you are approved.

You pay nothing to use Debt Free Firm. Any interest, fees or repayment schedule would be set by the lender and should be laid out for you before you commit.

Lenders we work with generally focus on unsecured debt: credit cards, personal loans you already hold and medical bills. Debts backed by collateral, such as a mortgage or an auto loan, are typically left out.

Not always. Each lender weighs your credit history, your income and what you owe as a whole, so outcomes vary from person to person. Nothing is guaranteed, and a lender can walk you through where you stand.

A lender reviews what you shared and reaches out to talk through possible next steps. Timing depends on the lender and your circumstances, and they can set expectations with you directly.

It travels over an encrypted connection and goes only to the lender you are paired with. We do not sell it on to outside marketers.

Not at all. Reviewing an offer places no obligation on you. Go through the details, ask about anything unclear and agree only if it truly works for you.

Prefer to ask out loud?Call (844) 580-2309 and we will help.

Ready to see how one loan could fit?

It costs nothing to find out, and you are under no obligation to go further. Even if you stop there, you will know more about what is out there.

Want to talk first?(844) 580-2309
  • Free to explore
  • No pressure to accept
  • A real lender on the other end
Debt FreeFIRM

Questions before you share anything? Reach a real person any of these ways.

Disclosures: Debt Free Firm operates a website that introduces consumers to independent personal loan lenders. Debt Free Firm is not itself a lender or a loan broker, and it is not a law firm, a debt settlement company or a credit counseling organization; nothing on this site is legal, tax or financial advice. Debt Free Firm does not cancel, forgive or reduce debt. A consolidation loan pays off existing balances with a new loan that you repay. Debt Free Firm has no say over the interest rate, terms or approval decision on any loan. Those choices belong entirely to the lender you are matched with. Using Debt Free Firm is free of charge. Products, rates and terms differ among lenders, are not extended to every applicant and may be unavailable in some states. No approval, rate, term or amount is guaranteed by Debt Free Firm or by any lender in its network. A new loan is an important financial commitment, so examine each offer closely, including its rate, fees and repayment terms, before agreeing to it. Lenders in the network may compensate Debt Free Firm for introductions made through this site. Before you send any information, please read the Terms & Conditions and Privacy Policy.

Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures

Lead Generator & Service Disclosure: Debt Free Firm 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 Debt Free Firm 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.