Keep More Money in Your Pocket
$20,000+ in Debt?See How Much You Could Save With Debt Relief
- Reduce payments by up to 40% or more.
- Programs available for most credit scores.
- No fees without results.
Pre-approval check
How much unsecured debt do you have?
Current selection: $75,000
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What Debts Are Eligible for Relief?
Credit Card Debt
Credit card balances from major banks, retail stores, and credit unions with high interest rates.
Personal Loans
Unsecured loans from banks, credit unions, or online lenders not backed by collateral.
Payday / High Interest Loans
Loans with above-average rates that may make monthly payments higher than necessary.
Non-Federal Student Loans
Private student loans from banks or lending institutions (excluding government-backed federal loans).
Collections Accounts
Recently transferred accounts to collections within the past 6 months from unpaid unsecured debts.
Auto Deficiencies / Leases
Remaining balances on repossessed vehicles or lease termination fees after vehicle sale.
Top lenders in our partner network
See your options in minutes — with 3 easy steps
Pre-approval check
Before we introduce you to the most suitable debt partner, we’ll assess your qualifications and collect a few key details about your current financial circumstances.
Partner matching
Using the information you provide, we’ll evaluate available debt partner options and connect you with the solution best positioned to maximize your financial relief.
Immediate guidance
Once connected, your selected partner will create a tailored payment plan to help address your unsecured debts. With your approval, the plan can move forward quickly, easing debt-related stress and supporting a more secure financial future.
Don't just take our word for it —
see what people are saying
Carol R.
AmOne was able to guide me in the right direction to feel less stress mentally by guiding me to a financial plan that could save me money while being affordable.
Better Business Bureau
Kimberly K.
The process was well defined and very helpful. I was able to find a solution to my situation. The representative was able to provide the information and answers I needed to make my decision with confidence. I know what, where and when I will reach my goals! I definitely would recommend this service to anyone who is struggling with debt.
ConsumerAffairs
Lilliane H.
The best experience I've had in coming to a decision on my circumstance's. Fast, professional, the best. I would recommend them to anyone I know who needs to get on the right track.
Laurie C.
When I filled out the form initially online, I was not expecting to be in touch with AmOne. I was thinking I would obtain a consolidation loan, however I was in touch with something better, PEACE OF MIND FOREVER! AmOne is starting me on my journey and Alex was awesome, knowledgeable, didn't make you feel bad for getting into the situation I was in. I felt like a ton of pressure was lifted! When in doubt, call AmOne!
Better Business Bureau
Ana A.
I received a call from Alex at AmOne. He reviewed my situation and was completely professional. He got me in touch with the right partner to help my financial situation. I was nervous about taking this step but In the long run I will take back control of my finances. Alex reached out the next day to see how I made out. Great experience so far!
Penelope M.
Incredibly easy to match and no impact to my credit through AmOne.
TrustPilot
Why use PaydownWay?
The fastest path to financial control
Top-Rated Debt Partners
We partner exclusively with trusted debt specialists recognized for their expertise, reliability, and proven results, ensuring you receive experienced guidance every step of the way.
Personalized Support
Your debt partner will help create a customized payment plan built around your financial situation, goals, and long-term path toward debt reduction.
Fast Financial Relief
Once approved, your payment plan can be activated quickly, helping lower your monthly burden and move you toward greater financial stability.
Complete Control
With PaydownWay, you can regain control through reduced monthly payments and a clear, manageable structure designed to put you back in charge of your finances.
Frequently asked questions
Debt relief and debt consolidation offer two distinct paths to managing debt, and the right choice depends on your unique financial circumstances. Debt consolidation brings multiple debts together into one loan or payment, helping simplify repayment and potentially reduce interest costs. Debt relief focuses on making your debt more manageable by working with creditors to reduce, restructure, or adjust your repayment terms. With guidance from a certified specialist, you can better understand your options and determine which path may be the strongest fit for your financial future.
Unsecured debt refers to debt that is not tied to collateral, such as credit card balances, medical bills, or student loans. In simple terms, this means that if payments are missed, the lender generally cannot claim your personal property to recover the balance.
Some partners may look for fair credit and steady income, while others offer more flexible requirements. PaydownWay helps you explore available options to improve your chances of approval, without impacting your credit score.
Most people experience instant relief with their upcoming monthly payment. In some cases, the process may take slightly longer depending on the debt partner and approval timeline.
Repayment timelines vary based on your financial circumstances, income, and personal preferences. Your debt partner will work with you to create a tailored solution designed to fit your needs and support an effective path toward debt consolidation.