The only crystal ball that finds you a new date. A debt-free one.

See the month your last card gets paid off. Four quick questions. Free, private, no email.

The One-Payment Preview

Roughly how much do you owe on your cards?

Add up the balances. A round number is fine.

Private. No name, no email, no credit check. The math happens on your screen.

If this sounds like your month

  • Four or five cards, four or five due dates, and a reminder for each one.
  • You pay every month and the balances barely move.
  • You earn good money and still can't seem to get ahead.
  • You'd rather figure it out on your own than sit through a sales call.

That last one is why we built this. You see everything first, privately, and decide for yourself.

How it works

  1. Answer four questionsWhat you owe, what you pay each month, your rough interest rate and your rough credit. Round numbers are fine, and "not sure" works too.
  2. See your futureThe month your last card gets paid off, and two futures side by side: the path you're on and one payment.
  3. Look closer if you wantGo card by card for every detail. Nothing is sent anywhere. The math happens on your screen.

What you'll see

All of it, free. No sign-up to unlock anything.

A straight answerWhether consolidation helps you, in one line. Sometimes the answer is no, and we'll say so.
Your one paymentYour estimated new monthly payment, based on your credit.
Your debt-free monthWhen you'd be done today, and when you'd be done with one payment.
Interest, both waysWhat you'd pay in total on each path, including an estimated lender fee.
Money freed each monthWhat's left in your budget with one payment.
The cost of waitingWhat each month costs you in interest right now, in the card-by-card view.
Your most expensive cardThe one quietly costing you the most, in the card-by-card view.
A plan without a loanNot ready? The order to pay your cards and when you'd be done anyway, card by card.

What happens next is up to you

Confirm your real numbersYour estimate becomes your real pre-qualified numbers, in writing within 24 hours by text or email. Prefer to talk? Call 844-677-LOAN (5626).
Email yourself the resultsKeep your numbers, show your partner, decide later. Comes with the free 2027 Fresh Start Plan.
Close the tabThat's fine too. Your numbers stay on your screen. Nobody follows up, because nobody knows you were here.
If you move forward

Three promises

  • No upfront fees. Ever.
  • A lower payment, or you walk. If your real numbers don't lower your monthly payment, you stop there and it cost you nothing.
  • The Fresh Start Promise. If life happens in the first year and the cards creep back up, we rebuild your plan free.

Who's behind this

Lend & Loan Financial connects people with lenders for debt consolidation, with offices in Irvine, California and Phoenix, Arizona.

This is not debt settlement. Consolidation pays your cards off in full with one new loan. Your cards are paid, not negotiated down.

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Real client reviews go here

Questions people ask

Will this affect my credit score?

No. The preview doesn't check your credit at all. If you later ask for your real numbers, that uses a soft check, which doesn't affect your score. A full credit check only happens if you decide to apply.

Do I have to give my name or email?

No. You see every result without giving anything. You only share your details if you choose to confirm your numbers or email yourself the results.

Will someone call me?

Not unless you ask. Your real numbers come by text or email. If you'd rather talk, the number is there.

What if consolidation doesn't help me?

The preview will tell you, and it gives you a plan to pay your cards down without a loan. You leave with something useful either way.

Why are the rates estimates?

Your real rate depends on the lender, your full credit review and your income. The preview uses typical ranges for each credit level so you can see what's realistic.

How is this different from debt settlement?

Settlement negotiates your debt down and usually hurts your credit. Consolidation pays your cards off in full and gives you one fixed payment with an end date.

Two minutes. Just you and your numbers.

Start my preview

Lend & Loan Financial connects people with lenders. NMLS ID [placeholder] · 844-677-LOAN (5626)