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On your terms, finally
The freedom, flexibility and respect you deserve.
On your terms,
finally
The freedom, flexibility and respect you deserve.
On your terms, finally
The freedom, flexibility and respect you deserve.
Pick Your Payoff
A plan built
around
you.
Choose the path that best fits your budget, goals, and timeline so you can move forward with confidence.
Pick Your Payoff
A plan built around
A plan built
around
you.
Choose the path that best fits your budget, goals, and timeline so you can move forward with confidence.
YOUR LIFE. YOUR OPTIONS.
Our three step process built for your life.
YOUR LIFE. YOUR OPTIONS.
Our three step process built for your life.
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
SELECT
Confirm with CARA
CARA pulls your account details, shows the paper trail behind it, and confirms your real options.
Step
3
SUBMIT
Resolve it for good.
When you find numbers that work for you, CARA will document it and get you written confirmation. Done means done.
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
SELECT
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
SUBMIT
Submit your request to CARA
CARA reviews your plan in seconds. Once approved, you're set with a clear path to resolution.
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
SELECT
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
SUBMIT
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.
Pay less than you owe.
The size of your payment shapes the size of your savings. Move the slider to see what it would take to put this account behind you for good.
No calls. No pressure. No guessing.
Pick your payoff.
Pay less than you owe.
The size of your payment shapes the size of your savings. Move the slider to see what it would take to put this account behind you for good.
No calls. No pressure. No guessing.
Pick your payoff.
Pay less than you owe.
The size of your payment shapes the size of your savings. Move the slider to see what it would take to put this account behind you for good.
No pressure. No guessing. No harassing calls.
Our no harrasment promise
Simply engage with CARA to decide how you want to move forward.
Bank level encryption
We protect your payments with secure, encrypted processing.
Accepted payment methods
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've got this. Ready?
Let's find the best option that works for you.
These examples are a starting point. Chat with CARA to pull your exact account details, confirm your options, and see what's possible. No commitment required.
Ask CARA
Got questions?
Ask
CARA
Quick answers to the questions CARA gets most
Ask CARA
CARA , 9:41 AM
Is the slider showing my real payoff?
Not yet — it's an estimate to help you picture your options. Your real numbers depend on your account and your creditor. CARA pulls your exact balance and confirms what's actually possible before you agree to anything. Nothing on this page is an offer or a promise.
Why does paying sooner cost less?
Creditors will often accept less when they're paid faster, because it's money in hand instead of a long wait. So the more you can pay upfront, the more you tend to save. If a lump sum isn't realistic, a plan still moves you forward - pick whatever fits your budget.
What does it cost to use Cirqul?
Nothing — Cirqul is completely free for you. There are no fees of any kind: not to start, not to settle, not ever. We're paid by the creditor, not by you. Your resolution plan, CARA, and all our money tools stay free no matter what.
Will this hurt my credit?
We can't promise what will happen to your credit score — anyone who guarantees a specific change isn't being straight with you. What we can do is explain, in plain language, how a settlement is typically reported so you can decide with the full picture. Cirqul is not a credit repair service.
Is this a loan?
No. Cirqul is not a lender and this is not a consolidation loan. You're not borrowing money or adding new debt. You decide what to put toward each account, and a creditor accepts, counters, or declines.
Got questions? Ask
CARA
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.
Got questions? Ask
CARA
Quick answers to the questions CARA gets most
Ask CARA
CARA , 9:41 AM
Is the slider showing my real payoff?
Not yet — it's an estimate to help you picture your options. Your real numbers depend on your account and your creditor. CARA pulls your exact balance and confirms what's actually possible before you agree to anything. Nothing on this page is an offer or a promise.
Why does paying sooner cost less?
Creditors will often accept less when they're paid faster, because it's money in hand instead of a long wait. So the more you can pay upfront, the more you tend to save. If a lump sum isn't realistic, a plan still moves you forward - pick whatever fits your budget.
What does it cost to use Cirqul?
Nothing — Cirqul is completely free for you. There are no fees of any kind: not to start, not to settle, not ever. We're paid by the creditor, not by you. Your resolution plan, CARA, and all our money tools stay free no matter what.
Will this hurt my credit?
We can't promise what will happen to your credit score — anyone who guarantees a specific change isn't being straight with you. What we can do is explain, in plain language, how a settlement is typically reported so you can decide with the full picture. Cirqul is not a credit repair service.
Is this a loan?
No. Cirqul is not a lender and this is not a consolidation loan. You're not borrowing money or adding new debt. You decide what to put toward each account, and a creditor accepts, counters, or declines.