Consumer debt help & consolidation guidance
Too many bills. One clear way out.
Fundd Now is a debt help advisor — not a lender. We review your full debt picture, explain every option in plain language, and match you with the consolidation solution that fits your budget. You make the final call, always.
Illustrative example
Matched with one consolidation plan → ≈ $633/mo, debt-free in 48 months. Example only — your advisor confirms real options for your situation.
Start with the full picture
The debts we help you sort out
Most people who come to us are juggling several kinds of debt at once. Your advisor looks at all of it together — that’s how the right consolidation option becomes obvious.
Credit cards
High-APR balances across several cards, where minimum payments barely touch the principal month after month.
Personal loans
Unsecured loans taken on for emergencies, moves, or earlier payoff attempts that are now weighing on the budget.
Medical bills
Hospital and clinic balances that landed all at once — often negotiable, and often rollable into one structured plan.
Store & retail cards
Department-store and retail cards frequently carry the highest APRs of all — prime candidates for consolidation.
How Fundd Now works
Advice first. Matching second. Pressure never.
We don’t sell a one-size-fits-all program. Your advisor reviews your situation, walks you through the realistic options side by side, and connects you with the solution you choose.
1
Tell us about your debt
Fill out the short request below or try the estimator. Balances, APRs, monthly payments, and what you can actually afford — that’s all we need to start.
2
Your advisor reviews your options
In a free consultation, your advisor compares consolidation routes — a consolidation loan, a structured management plan, or other paths — with real numbers for each.
3
Get matched & move forward
Pick the option that fits and we connect you with the provider behind it. One plan, one payment, and a payoff date you can circle on the calendar.
Savings estimator
See what one plan could look like
Drag the sliders to match your situation. This is an estimate to start the conversation — your advisor verifies real rates and terms with providers before you decide anything.
Credit cards, personal loans, medical and store balances combined.
Not sure? Most credit cards currently sit between 20% and 29% APR.
Everything you currently send to those debts, added together.
The kind of rate a matched consolidation plan might carry. Yours depends on your profile.
Paying on your own
$625/mo
Debt-free in ~5 yrs 5 mos · $15,547 in interest
One consolidated plan
$646/mo
Debt-free in 48 months · $5,999 in interest
Estimated interest saved
$9,548
and debt-free about 17 months sooner
Estimates assume fixed rates, on-time payments, and no new charges. They are illustrations for planning, not a quote, offer, or guarantee of any rate, term, or savings.
Your options, honestly
Three routes your advisor may walk you through
There is no single right answer — there’s the right answer for your income, your credit, and how fast you want this behind you. Here is how the main options compare.
The goal isn’t a loan. It’s a lighter kitchen table.
Debt stress usually isn’t about one bill — it’s the pile: five due dates, five minimums, and no visible finish line. Consolidation works when it turns that pile into one payment you can plan around, with an end date you can see.
That’s the plan your Fundd Now advisor builds with you first. The matching to a provider comes after — only when the plan makes sense on paper.
“One payment, one date, done.” — how our advisors sum up a good plan
Why people ask for a review
• Minimum payments that barely move the balance
• APRs that jumped after a promotional period ended
• A medical bill or emergency that landed on a card
• Keeping up with payments, but never getting ahead
If any of that sounds familiar, a free review costs you twenty minutes and commits you to nothing. You’ll leave knowing your options and the real numbers behind each one.
Request my free reviewStraight answers
Questions we hear every week
Is Fundd Now a lender?
No. Fundd Now is an advisory and matching service. We review your debt situation, explain your options, and connect you with providers whose consolidation loans or debt help programs fit your profile. Any loan or program is offered by that provider, under its own terms.
What does the consultation cost?
The consultation and debt review are free, and there’s no obligation to move forward with anything. If you choose a provider’s program, that provider will lay out any costs in writing before you enroll — your advisor will make sure you see them.
Will checking my options hurt my credit?
Talking with an advisor and reviewing your situation does not affect your credit. If you decide to apply for a specific loan or program, the provider may run a credit check — your advisor will tell you before anything like that happens, so there are no surprises.
How much debt do I need to qualify for help?
There’s no hard minimum for a review. As a rough guide, consolidation tends to help most when you carry $5,000 or more in unsecured debt — credit cards, personal loans, medical or store balances — but bring whatever you have and we’ll tell you honestly if a plan makes sense.
How long does a consolidation plan take?
Most matched plans run between 36 and 60 months, depending on your balance and the monthly payment you can sustain. The estimator above shows how term length changes your payment and total interest.
Can you guarantee I’ll save a certain amount?
No — and be wary of anyone who does. Savings depend on the rates and terms you actually qualify for and on completing the plan. What we can promise is a clear, numbers-first comparison before you commit to anything, so you decide with your eyes open.
Request your free debt review
Tell us where things stand. An advisor will review your situation, prepare your options, and walk you through them — the numbers, the trade-offs, and the next step if you want one.
Start your matching request
Takes about a minute. Nothing is submitted anywhere yet — you’ll review a summary first.
Your consultation request summary
What happens next: an advisor reviews this summary, prepares your consolidation options with real provider terms, and walks you through them in a free consultation — Mon–Fri, 9am–6pm ET. Download the summary to keep your place in line when you reach out.