On your terms. Finally.
The freedom, flexibility and dignity you deserve.
YOUR LIFE. YOUR OPTIONS.
Our three step process built for your life.
Step
1
CHOOSE
Choose a one time payment or pay over time
Pay in full today or break your balance into smaller payments that fit your budget.
Step
2
CHOOSE
Select a payment and discount that works best
Move the slider to see how your discount changes. The more you pay upfront, the more you save.
Step
3
CHOOSE
Submit your request to CARA
CARA reviews your plan in seconds. Once approved, you're set with a clear path to resolution.
Pick Your Payoff
Monthly Payments
One Time Payment
Pay in Full
Steady payments you can plan for — no surprises.
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Done. Settled. Free.
Balance paid in full over time
Likely credit score improvement
No more calls
Credit, Debit, Apple Pay and Crypto accepted
Pick Your Payoff
Tell CARA what you can afford. She handles the rest.
Choose what matters most
?? montly paymets
You're in control
Maximum flexibility
Get approved instantly
Credit, Debit, Apple Pay and Crypto accepted
Cirqul Plan
Resolve your balance and get your finances back where they belong.
Includes money navigator
Biggest allowable discount
Includes money dashboard
Includes money insights
Credit, Debit, Apple Pay and Crypto accepted
Our No Call Promise
Simply stay engaged with CARA and tell her how she can help.
Bank Level Encryption
We use industry standard payment systems to facilitate online payments.
Accepted Payment Methods
You choose
Move forward with zero hassle
This is where your comeback starts. Take the first step on your terms.