A Loan Designed With You In Mind
We're not just a lender - we're a way out. No prepayment penalties. No games.
Check My Rate
Credit Card vs. Refinance Comparison
Your Current Debt Picture
Total Debt Amount:
$XX,XXX
Average Credit Card Interest Rate
XX.XX%
Monthly Payment
Your interest charges are higher than your monthly payment. Unless you pay more, your balances will grow, not shrink.
| Your Debt Story Today | Refinance Scenario Example | |
|---|---|---|
| Term | XX.X Years | X Years |
| Interest Rate | ||
| Total Interest Paid | ||
| Monthly Payment | ||
| Time Saved | - | XX.X years |
| Savings | - | $X,XXX |
| Total Cost | $XX,XXX | $XX,XXX |
* Not including what you’ve already paid in interest
** The APR shown is an example and does not represent an offer or guarantee. Actual rates and terms are determined based on individual creditworthiness, income, debt obligations, and verification at the time of application. All loans subject to credit approval.
How debt consolidation works
Pay off current credit cards or loans with a single debt consolidation loan, and save money with lower rates.
How long it takes to pay off $30,000 in credit card debt
According to CBS News, carrying $30,000 in credit card debt at today’s average rates can take decades to pay off — with interest charges often doubling the true cost. Most borrowers paying only the minimum end up stuck in a cycle with no clear end date. At Debt Duck, we provide a different path: one fixed loan with a clear payoff schedule so you know exactly when you’ll be debt-free. With our exclusive Rewards Plan, every on-time payment gets you closer and earns you more. At Debt Duck, rewards aren't an afterthought - they're part of the plan.
| Payment Strategy | Time to Pay Off | Total Interest Paid |
|---|---|---|
| Minimum | 460 months | $54,360 |
| 5% of Balance | 169 months | $17,272 |
Source: CBS News - View article
Our Mission
Debt Duck is here to help reshape your future. "Let each of you look not only to his own interests, but also to the interests of others." We believe that debt consolidation shouldn't come with hidden catches, high fees, or shady terms. That's why we built a smarter, cleaner, and fairer way to help Americans manage and conquer their debt — especially when banks turn them away.
What We Do
We specialize in consolidation loans that pay off high-interest credit cards directly. Our model includes transparent rates, no prepayment penalties, and rewards for responsible borrowers. Our commitment is to financial clarity, not confusion.
Why It Matters
We don't believe one number should decide your future. We lend with heart, not just a formula. Millions of Americans are drowning in compounding interest and making minimum payments that go nowhere. We aim to change that. With Debt Duck, you're not just taking a loan — you're taking back control of your life.
Contact Us
Send us a message to find out more about how we can meet your financial needs. Tell us a little bit about your situation, and we will get back to you as soon as we can.
Frequently Asked Questions
Please reach us at customerservice@debtduck.com if you cannot find an answer to your question.
Is this an actual loan or a debt settlement plan?
We ONLY offer loans. We do not offer any type of validation, settlement, or debt relief.
Will this affect my credit score?
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.
What are your rates?
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.
What loan amounts do you offer?
Loans range from $27,000–$150,000.*
Do you consolidate secured accounts?
At this time we do not offer secured loans or consolidate business debts. We only consolidate unsecured personal debts.
Can you help with student loans?
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.
Do you charge a pre-payment penalty?
Never. Pay off your loan early with zero fees.