Debt consolidation: several balances, one line

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Advertisement. InstaPayDirect is a free comparison and referral service and a marketing affiliate. We do not settle debt, and we may be paid when you request a consultation through a link on this page. National Debt Relief: clients who are able to stay with the program and get all their debt settled realize approximate savings of 45% before fees, or 20% including fees, over 24 to 48 months; all claims are based on enrolled debts; not all debts are eligible and not all clients complete the program; not available in all states; participation may adversely affect your credit rating or score. JG Wentworth: the debt resolution program is provided by JGW Debt Settlement, LLC; programs run 24 to 60 months; average graduated clients realize approximate savings of 44% before the program fee and 21% after the program fee. Debt settlement can affect your credit. Read the program terms before you enroll.

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Before you choose

Pick the shape that fits your balances

Consolidation loans, settlement programs and credit counseling set side by side, so you can see which shape fits your balances.

Free to use
No obligation
We are not the lender or carrier

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How it runs

How it works

No calls to make and no paperwork to post.

Complete the form

A secure online form that takes a couple of minutes. No paperwork, no branches, no calls.

Reach the network

We present your request to partners in our network. If one is interested, you are connected to review its offer.

You decide

Read the full terms on your own time. You are never obliged to accept anything.

Common questions

Asked before people press send

01Is InstaPayDirect a lender or an insurer?

No. InstaPayDirect is a free comparison and referral service. We present your request to partners in our network, and each partner sets its own rates, fees and terms.

02What does it cost to use InstaPayDirect?

Nothing. Our service is free and sending a request creates no obligation. We are paid by our network, never by you.

03How is my private information protected?

We use industry-recognized security and encryption. Your information is transmitted and stored in encrypted form. The privacy policy sets out exactly what is collected and who it is shared with.

Looking for debt help?

Send one short request and we present it to our network. Free, and no obligation to accept.

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