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Everything you need. Nothing you don't.
Cirqul Plan is designed to be simple, affordable, and actually doable. That's it.
50% balance reduction
Your outstanding balance is reduced by half. Only pay what's left, nothing more. The balance is cleared the moment your last payment goes through.
$25 fixed monthly payment
One payment. Same amount. Every month. No rate increases, no variable fees, no surprises buried in the fine print.
Money Tools included
Cirqul Plan comes with full access to our complete money tools: budgeting, money insights, and more. Included 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 low monthly payment designed to help you move forward with less stress and more support.
Pay just $25/month
Your monthly payment goes toward your outstanding 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 outstanding balance is paid, Cirqul forgives the remaining 50%. A real finish line, finally.
Progress you can actually see
Resolve your outstanding balance, unlock financial tools, and reach a real forgiveness milestone at 50%.
Quick answers to the questions CARA gets most
Ask CARA
CARA , 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 the chat and I’ll help with anything money related.