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Get a handle on your debt and make a plan to pay it off.
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How it all works:
- Choose the solution that’s right for you.
- Apply online in just minutes.
- See your progress: Watch your debt shrink and free up funds.
Debt-crushing solutions at Everwise:
1. Balance Transfer Credit Card (Visa® Platinum)
Best for: High-interest credit card debt
With a 0.00% introductory APR for the first six months (then rates as low as 11.50% APR after that), you can consolidate your high interest credit cards and begin chipping away at the balance instead of paying those steep interest charges.
2. Personal Loan (Lump sum or line of credit)
Best for: Consolidating multiple debts with a predictable plan
Lock in a fixed interest rate with flexible terms, so you’ll know exactly when your debt will be paid off and feel confident with this no-surprises plan.
3. Home Equity Line of Credit
Best for: Consolidating debt at a lower rate using home equity
If you own a home and have built-up equity, a HELOC allows you to borrow against your home’s value to consolidate high-interest debt. With lower rates than most credit cards and loans, you’ll free up cash and have flexible access to your funds when you need them.
4. Level up with Elevate
Best for: Rebuidling credit and improving financial health
If you're working to rebuild your credit and manage money smarter, the Elevate Suite gives you the right tools:
- Checking account for easy money management
- Secured credit card to build positive credit history
- Credit builder loan to strengthen your score
- Affordable auto financing to help you move forward
Which consolidation option is right for me?
What our members are saying...
“Love the personal attention and help that I get! The staff is always willing to help, which is wonderful! Thanks Everwise!”
“Very accommodating and helpful. That's very rare to find in this day and age. I appreciate their kindness, helpful management, and support. Thank you, Everwise!”
“Everwise provided a fixed rate mortgage that has freed us up to be able to save for college or trade school for our children. It also has made paying bills easy and safe.”
Ready to start?
It’s time to ditch burdensome debt and get back to your life. If you’re ready to apply or want to chat with us about your options, we’re here for you.