fixed rates · no fees

Combine debt with a personal loan

  • Fixed rates starting at 6.25% APR
  • Funds sent in as few as 24 hours
  • Borrow up to $50,000 with flexible terms
Apply now Learn more
Personal loan
home equity · low rates

Simplify & save with a low-rate HELOC

  • Fixed rates starting at 5.75% APR
  • Access funds in as fast as 5 days
  • Borrow up to $700,000 with flexible terms
Apply now Learn more
HELOC
debt relief · no new loan

Pay less, stress less with debt relief

  • Reduce what you owe without a loan
  • Resolve debt in as little as 24–48 months
  • Get rid of $7,500–$100,000+ in debt
Apply now Learn more
Debt relief
Trusted by thousands
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| Trustpilot | 250,000+ reviews | "Excellent"
compare options

Loan options

See how different solutions stack up against your current payments.

Alert Non-loan

Minimum Payments⁴

To current creditors

Est. monthly payment⁵
$553/mo
Est. total debt to pay off⁶
$53,786
Est. time to pay off debt⁷
333 months
Learn more
Popular
Personal Loans Credit score 640+

Personal Loans

Est. monthly payment⁵
$593/mo
Est. total debt to pay off⁶
$28,446
Est. time to pay off debt⁷
48 months
Apply now
Home Equity Loans Credit score 600+

Home Loans

Est. monthly payment⁵
$201/mo
Est. total debt to pay off⁶
$36,247
Est. time to pay off debt⁷
180 months
Learn more
Debt Relief No credit minimum

Debt Relief

Est. monthly payment⁵
$378/mo
Est. total debt to pay off⁶
$18,130
Est. time to pay off debt⁷
48 months
Apply now

⁴ Minimum payments shown are estimates based on average credit card APRs. ⁵ Estimated monthly payment includes principal and interest. ⁶ Total debt to pay off includes estimated interest over the life of the loan. ⁷ Time to pay off based on selected term and consistent payments. Actual rates and terms depend on creditworthiness and other factors.

our edge

What sets us apart

Managing debt, made easy — with clarity, control, and a human touch.

Accelerate debt freedom

Break free from minimum payments — our strategy helps you eliminate debt months or years sooner.

One streamlined payment

Combine multiple bills and due dates into a single, predictable monthly installment.

Cut total interest costs

Reduce the overall cost of your debt by avoiding long-term compound interest traps.

Tailored to your life

We’ll help you find the right fit — even if that means recommending a partner, not ourselves.

Guided enrollment

Digital onboarding with step‑by‑step help, plus real experts ready when you need them.

Smarter technology

Built on two decades of experience, our tools keep you on track with real‑time insights.

testimonials

What our clients say

Real stories from real people who found financial freedom.

"ClimaxLending helped me consolidate $25k in credit card debt. My monthly payment dropped by $200!"

MK

Maria K.

Austin, TX

"The HELOC process was smooth and fast. I accessed funds in 4 days to renovate my home."

JR

James R.

Denver, CO

"Debt relief changed my life. I was drowning in $45k of debt and now I see the light."

SL

Sarah L.

Miami, FL

"I got a personal loan with a 6.5% rate — way better than my 24% credit cards. Highly recommend!"

DT

David T.

Seattle, WA

"The team was super helpful and walked me through every step. Felt like a partner, not a lender."

AN

Amanda N.

Chicago, IL

"I was approved in under 2 hours and the funds hit my account the next day. Unbelievable!"

MP

Mike P.

Phoenix, AZ

"Their debt relief program helped me reduce my total balance by over 40%. I'm almost debt-free!"

CR

Christina R.

Portland, OR

"I never thought I could get a loan with my credit score, but ClimaxLending made it happen. Grateful!"

RW

Rachel W.

Nashville, TN

help center

Frequently asked questions

Quick answers to common questions about our loans and services.

What credit score do I need to qualify?
We work with a range of credit profiles. For personal loans, we typically look for a score of 640 or higher. For home equity products, 600+. Debt relief has no minimum credit requirement — we help you regardless of your score.
How fast can I get the funds?
For personal loans, funds can be sent in as few as 24 hours after approval. HELOC funds are typically available within 5 business days. Debt relief programs start working immediately to negotiate with your creditors.
Are there any hidden fees or prepayment penalties?
No. We believe in full transparency. There are no origination fees, no hidden charges, and absolutely no prepayment penalties. You can pay off your loan early without any extra cost.
What's the difference between a personal loan and debt relief?
A personal loan provides you with funds to consolidate debt, and you repay the loan with fixed monthly payments. Debt relief is a program where we negotiate with your creditors to reduce the total amount you owe — no new loan is taken out.
Will applying affect my credit score?
We use a soft credit check for pre-approval, which does not affect your credit score. Only when you formally accept an offer do we perform a hard inquiry, which may have a small temporary impact.
See all FAQs

Ready to take control?

Apply online in minutes and get a decision instantly. No impact to your credit score.

Apply now 1-800-123-4567

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