Keep More Money in Your Pocket
$20,000+ in Credit Cards or Loans?See How Much You Could Save Each Month
- Reduce payments by up to 40% or more.
- Programs available for most credit scores.
- No fees without results.
Pre-approval check
How much do you owe on credit cards and loans?
Current selection: $75,000
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What Types of Balances May Qualify?
Credit Card Balances
Cards from big banks, stores, and credit unions that charge high interest.
Personal Loans
Loans from banks, credit unions, or online lenders that are not tied to your car or home.
Payday and High-Interest Loans
Loans with very high rates that can make your monthly payment bigger than it needs to be.
Non-Federal Student Loans
School loans from a bank or private lender. Federal loans do not count.
Collections Accounts
Accounts sent to collections in the last 6 months because bills went unpaid.
Car Loans and Leases
Money still owed after a car was taken back or a lease was ended early.
Top lenders in our partner network
See your options in minutes — with 3 easy steps
Pre-approval check
First we ask a few quick questions about your money and the balances you owe. This helps us find the right partner for you.
Partner matching
We look at your answers and match you with the partner that may help you save the most.
Immediate guidance
Your partner builds a payment plan that fits you. If you say yes, it can start fast, so you feel less stress about money.
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 bills.
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 Partners
We only work with trusted experts who help people lower what they pay. You get real help at every step.
Personalized Support
Your partner builds a plan around your money, your goals, and how fast you want to pay things off.
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
These are two ways to handle what you owe. The best one depends on your money situation. Consolidation puts many balances into one loan or one payment. That makes it easier to pay and can cut interest. Relief works with the companies you owe to lower your balance or change your payment terms. An expert can walk you through both and help you pick the one that fits you best.
It means the balance is not tied to your car or home. Credit cards, medical bills, and many school loans work this way. So if you miss a payment, the company usually cannot take your property to get the money back.
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 see a change with their next monthly payment. Sometimes it takes a little longer, based on the partner and how fast you are approved.
It depends on your money, your income, and what you want. Your partner will build a plan that fits you and helps you pay things off.
Get instant financial relief
Owe $20,000+ on credit cards or loans?
Explore your options today!
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