How we get paid
Compensation may be received from provider partners when a visitor chooses to enroll. That relationship does not change your right to review options before making a decision.
Debt consolidation loans
Owe $20,000+ in high-interest debt? Consolidate with a loan built around your income.
Compare personal loan options from our lending network in one place. Checking your rate won't affect your credit score.
- Income-based review
- No credit impact to check
- Results in about 2 minutes
Loan overview
- Loan amounts
- Up to $100,000
- Starting APR
- 5.99%*
- Terms
- Up to 10 years
- Credit check
- Soft pull, no impact
*Rates, terms, and approval are set by participating lenders and depend on credit, income, and other factors. Arvexa is not a lender.
By The Numbers
Real scale. Real lenders. Real results.
$26B+
Credit Facilitated
258M+
Inquiries / Quarter
3,349+
Network Partners
103M+
Products Matched
Our Lending Network
Some of our trusted lending partners
Marketplace Scale
A marketplace built on real momentum
120M+
Total Loan Offers Made
40M+
Accepted Offers / Matches
$10B+
Total Credit Volume Issued
Figures are illustrative of marketplace activity and are not a guarantee of individual results or loan approval.
One Payment
Save thousands with a single fixed-rate payment
Replace multiple high-interest balances with one predictable monthly payment and a clear payoff date.
Starting at
5.99%
Fixed APR* for qualified borrowers
Terms up to
10 Years
Choose a term that fits your budget
Borrow up to
$100,000
Consolidate balances into one payment
Check My Rate
*APR shown is the lowest available rate for well-qualified borrowers. Your rate may be higher.
The Income Advantage
How Income-Based Loans Work vs. Traditional Credit
Traditional Credit
- Looks backward at credit history
- One bad mark can mean denial
- Past mistakes weigh you down
- Limited flexibility for rebuilding
Income-Based Loans
- Looks forward at income & employment
- Steady income can offset credit gaps
- Past mistakes don't define you
- Flexible options for real situations
Testimonials
Real people. Real loans.
“I was drowning in $35k of credit card debt. Traditional banks denied me because my utilization ruined my credit score. Arvexa looked at my income instead and got me a single fixed payment. Life changing.”
Michael T.
“The 2-minute form was incredibly easy, but the real magic happened on the phone call. My agent walked me through exactly how an income-based loan worked and helped me consolidate everything.”
Sarah L.
“I had $35k in credit card balances strangling my budget. Arvexa matched me with a consolidation loan based on my income — one fixed payment, half the interest, and I'm finally ahead every month. I just wish I'd found them sooner.”
Jessica M.
Testimonials are illustrative and reflect individual experiences. Results vary and are not guaranteed.
How It Works
Your 3-Step Path to Funding
- 1
Request Your Review
Answer a few quick questions in under 2 minutes. Checking your options has no impact on your credit score.
- 2Required
Complete Your Verification Call
Because loans are income-based, a call to verify income and employment is required before offers are finalized. Plan for around 20 minutes, though call length varies based on your situation, verification needs, and questions.
- 3
Review Offers & Get Funded
Compare options from our lending network. If you accept an offer, funds can be deposited directly to your account.
Trust Ledger
Everything important, in plain English
Confidence comes from clarity. Here is what matters most before you choose any next step.
What we do not do
We do not guarantee approvals, savings, or outcomes. We do not claim one path is universally better for everyone.
How your data is handled
Your information is used to evaluate potential options and may be shared with participating partners for that purpose. See the privacy policy and disclosures for full details.
Before you enroll
You should review fees, terms, potential credit impact, and timelines in writing before deciding to proceed with any program.
Not sure a loan is the right fit?
If a consolidation loan isn't the right path, explore educational debt relief resources and compare tradeoffs.
Important disclosure: Arvexa Financial is a marketing affiliate and lead generator, not a lender, and does not make credit decisions. Loan options are provided through a network of 1,300+ third-party lending partners. Not all applicants will qualify, and loan amounts, rates, and terms depend on creditworthiness, income, and lender criteria. Checking your options uses a soft inquiry that does not affect your credit score; a lender may perform a hard inquiry if you accept an offer. Services are not available in all states.