Cirqul Plan
Resolution is the start,
not the finish.
A monthly plan designed to help you move forward with less stress,
more clarity, and tools that support your financial future.
Everything you need.
Nothing you don't.
The Cirqul Plan is designed to be simple, affordable, and actually doable. Three things — that's it.
50% balance reduction
Your account balance is reduced by half before you make a single payment. You only pay what's left — nothing more.
$25 Fixed Monthly Payment
One payment. Same amount. Every month. No rate increases, no variable fees, no surprises buried in the fine print.
All Money Tools Included
Your plan comes with full access to Cirqul's personal finance toolkit — budgeting, credit tracking, and more. Free with your plan.
How it works
Simple monthly payments.
Built-in support. A real path forward.
Enroll in the Cirqul Plan
Get started with a simple monthly plan designed to help you move forward with less stress and more support.
Pay Just $25/Month
Your monthly payment goes toward your enrolled balance while unlocking Cirqul’s money tools and support.
Build Toward 50%
Every payment moves you closer to your forgiveness milestone with clear progress tracking along the way.
We Forgive The Rest
Once 50% of your enrolled balance is paid, Cirqul forgives the remaining 50%. A real finish line, finally.
Progress You Can Actually See
Pay toward your enrolled balance, unlock financial tools, and reach a real forgiveness milestone at 50%.
Budget Tracker
Track your spending, stay on budget, and take control of where your money goes.
Money Insights
See where your money is going with smart insights, trends, and personalized recommendations.
Bill Negotiator
Lower your monthly bills with smart negotiation tools designed to help you save more automatically.
Subscription Manager
Track, manage, and cancel subscriptions before they waste your money.
CARA
Your AI money assistant that helps you understand, organize, and improve your finances 24/7.
MONEY TOOLS
Your payment plan comes with tools designed to help you stay ahead
While paying down your balance, you'll also get access to CIrqul's Money Tools that help you better understand and manage your money.
A Smarter Way Forward Starts Here
Start your Cirqul Plan for just $25/month and work toward paying only half of your enrolled balance while gaining access to tools designed to help you better manage your money moving forward.
CARA FAQ , 9:41 AM
What is Cirqul?
Cirqul is a money app that brings all your financial tools into one place, so you can see everything clearly and take action with confidence.
How does Cirqul help me with my money?
We connect your accounts, track your spending, and give you simple tools to manage subscriptions, handle debt, build credit, and more.
Do I need good credit to use Cirqul?
No. Cirqul is built for wherever you are in your financial journey, whether you’re starting fresh or improving your credit.
Is my financial information secure?
Yes. We use secure, industry-standard encryption to protect your data and keep your information private.
I have more questions!
No problem! Just open a new CARA chat and I’ll help with anything else.