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Graduate Early From Debt Relief

If you’re already in a debt relief program, you may qualify for a Credologi loan to graduate early saving money and time without hurting your credit.

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Why Credologi?

Ready to Graduate Early from Your Debt Program?

You’ve already started fixing your debt. We help you finish the job—faster, smarter, and with dignity.

  • You're more than your program or credit score

Your loan options are based on your real financial journey not just your credit. We help you build a stronger future with terms that meet your needs.

  • We make exiting debt relief simpler

Our process is transparent, practical, and built for people already enrolled in debt relief. We guide you step-by-step without judgment, jargon, or hoops to jump through.

Pay Off Your Debt Relief Program Early—Without the Penalties

If you’re already enrolled in a debt relief program, we help you finish early—without hurting your credit. Our personalized loans replace high-interest settlements with one simple, fair monthly payment.

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Accounts Paid Off Early
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Graduated from Debt Programs
See Your Loan Options

Pay Off Your High Interest Debt Fast

  • Predictable monthly payments with a fixed interest rate
  • More flexible approval standards than typical personal loan offers
  • Access up to $50,000
See Your Loan Options

They do all they can to help and explain in more ways for you can understand I’m happy with the results I’ve gotten it took time but came through & thank you

Leslie G from Opa-locka, FL

Quote is an excerpt from actual customer feedback provided via a Credologi customer survey.

How we Work

Borrow smarter and Invest with purpose. Our simple transparent, three-step process puts you in control of consolidating your debt into a payment you can afford. 

01.

Apply Online

Our online application takes just a few minutes with no impact on your credit score. Receive an instant pre-approval in minutes.

02.

Review Loan Offers

Once pre-approved, we will review your application and contact you to discuss next steps and terms of your loan.

03.

Accept & Verify

Finalizing your application is a simple as reviewing terms and accepting your offer online.

What Clients Have to Say

Real stories. Real savings. Real results.

See Your Loan Options

I had a lot of anxiety about going through the process, but it turned out to be a very positive experience. My loan representative was very helpful, informative and supportive. Thank you.

    Clint C

    10/22/2024

    From the time we were given the opportunity to secure the loan straight forward and getting through to the end. Filling out the loan papers and submitting the signed agreement, it was simple and secure and did I mention quick. Thanx a million.

      Randal W

      09/25/2024

      They do all they can to help and explain in more ways for you can understand I'm happy with the results I've gotten it took time but came through & thank you

        Leslie G

        10/28/2024

        I was afraid about doing this process but now I'm so thankful that I did. They work with me side by side and happily answer all my questions with a great attitude. I'm so happy to be a peace about my financial situation. Now I can see my future brighter!A big thanks to everyone that assisted me in this new journey.

          Cammllo W

          10/31/2024

          Have Questions?
          Speak To A Representative

          Call Now: (800) 800-1480

          Frequently Asked Questions

          The Answers to All Your Questions

          601 Brickell Key Drive, Suite 700
          Miami, FL 33131

          ©2025 Credologi. All rights reserved.

          Questions? Speak to one of our friendly representatives.

          (800) 800-1480

          All loans are originated by DR Bank, Member FDIC. THIS IS NOT A DEPOSIT PRODUCT.

          Disclaimer: Advertised rates and terms are subject to change based on market conditions or borrow eligibility. Individuals must be a U.S. citizen or permanent resident and at least 21 years old to apply for credit from credologi. You authorized us to make inquiries and obtain information about you in accordance with applicable laws. Valid bank account and Social Security number/FFIN required. Offered loan terms depend on requested loan amount and credit score, usage and history and are subject to verification of your credit history. Conditions and limitations apply. Loans are not available to residents of all states.

          DEBT CONSOLIDATION LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS: If approved for a loan, the rates and terms offered will depend on several factors, such as the length of the loan, and will fall within the range of rates available by applicable loan term. Not all applicants will qualify for the lowest rate. Fixed rates range from 24.50% to 28.25% with an Annual Percentage Rate (APR) of 32.68% to 34.74%. Loan terms: Credologi Debt Consolidation Loans offer 2, 3, 4, 5, and 6-year terms . Not all applicants will qualify for all loan terms. Loan Fees: Credologi Debt Consolidation Loans have an Origination Fee of 9.99% of the Amount Financed. Credologi Debt Consolidation Loans have no prepayment penalties.

          DEBT CONSOLIDATION LOAN | REPAYMENT EXAMPLE: The following example depicts the APR, monthly payment and total payments during the life of a $10,000.00 debt consolidation loan with a 4-year repayment term, a fixed rate of 27.25% and an APR of 33.10%. The Origination Fee in this example is $900.82. This works out to 48 monthly payments of $344.24 for a total amount of payments of $16,523.52. This repayment example assumes that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term and other terms and conditions. Credologi does not offer variable rate debt consolidation loans.

          USA Patriot Act: To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for information such as your name, address, date of birth or other information that will allow us to identify you. We may also request another identifying document.

          Providing your information does not guarantee approval for a product offering.