We ONLY offer loans. We do not offer any type of validation, settlement, or debt relief.

Checking your rate with Debt Duck involves a soft inquiry, which does not impact your credit score. If you decide to proceed with your loan, we will perform a hard inquiry, which typically lowers your credit score by just 5-10 points. The good news is that by consistently making on-time monthly payments, your credit score usually recovers within just a few short months-and can even improve significantly over time.

The term, amount and APR of any loan we offer to you will depend on your credit score, income, debt payment obligations, loan amount, credit history and other factors. If offered, your loan agreement will contain specific terms and conditions. The timing of available funds upon loan approval may vary depending on your bank's policies.

Loans range from $27,000–$150,000.*

At this time do not offer secured loans or consolidate business debts. We only consolidate unsecured personal debts.

Yes! We offer debt consolidation for private student loans only. Our goal is to help simplify your payments and potentially lower your interest rate. We do not consolidate federal student loans, as those come with unique benefits that could be lost through refinancing.

Never. Pay off your loan early with zero fees.