Owe $20,000+ in high-interest debt?Consolidate with a custom loan or relief plan.
Minimum payments aren't enough when you owe $20,000 or more. Get a single fixed-rate loan up to $100,000 to consolidate your debt into one lower monthly payment — with rates starting at 5.99% APR*, based on your income, not just your credit. Or, explore accredited debt relief programs to settle and reduce what you owe.
What We Help You Access
Income-Based Loan Review
Based on income, not just credit
No credit impact to check options
Apply in under 2 minutes
1,300+ network partners compete for you
Illustrative Example — Not An Offer
Loan
$25,000
Term
36–60 mo
From
5.99% APR*
Example only. Actual amounts, rates, and terms depend on creditworthiness, income, and lender — and are not guaranteed.
Real scale. Real lenders. Real results.
Total credit extended across our lending marketplace.
Consumer financial inquiries processed every quarter.
Trusted partners across the lending ecosystem.
Total financial products successfully matched to consumers.
Some of our trusted lending partners
A marketplace built on real momentum
Personalized offers generated across our lending network.
Consumers matched with a funded or approved solution.
Credit extended to consumers through our marketplace.
Funded Volume by Credit Tier & Income Range
Hover bars to explore funded volume per segment.
Annual Growth Trend
Funded credit volume, 3-year progression.
Figures are illustrative of marketplace activity and are not a guarantee of individual results or loan approval.
Save thousands with a single fixed-rate payment
One predictable payment. One clear path forward. No surprises.
Starting at
Terms that flex with every chapter of life — built to move when you do.
Terms up to
The funds you need, delivered on your timeline — right when they matter most.
Borrow up to
Borrowing power scaled to your goals — your income sets the ceiling.
Learn more about Arvexa Financial
Visit our full siteHow Income-Based Loans Work vs. Traditional Credit
A low credit score shouldn't lock you out of financial relief. While traditional lenders look backward at your credit history, our network looks forward at your current income and employment to find flexible loan options.
Traditional Credit Loans
Rely heavily on your past mistakes — your credit score is the gatekeeper.
- ✕Looks backward at credit history
- ✕One bad mark can mean denial
- ✕Past mistakes weigh you down
- ✕Limited flexibility for rebuilding
Income-Based Loans
Focus on your current ability to repay — your cash flow is the foundation.
- Looks forward at income & employment
- Steady income can offset credit gaps
- Past mistakes don't define you
- Flexible options for real situations
Real people. Real relief.
You're not alone in this — see how others found their path forward.
"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 originally applied hoping for a huge consolidation loan, but my agent showed me how an accredited debt relief program could actually save me thousands more in interest. I'm now paying significantly less each month than I used to. I just wish I found Arvexa sooner!"
- Jessica M.
Testimonials are illustrative and reflect individual experiences. Results vary and are not guaranteed.
Your 3-Step Path to Funding
Know exactly what happens next — no surprises, just a clear path to the funds you need.
Request Your Review
Tell us about your goals and finances in under 2 minutes. No impact on your credit score to check options.
Complete Your Verification Call
Because our options are income-based, offers are not instant. A brief phone consultation is required to verify your income and finalize your application.
Review Offers & Get Funded
Review your tailored options with your agent, select the best fit, and get the funds you need.
Let's find your path forward
Share a few details so a consultant can call you, explain debt relief and loan guidance, and answer questions in a brief conversation. Beginning the review does not obligate you to take any action.
Important disclosure: Arvexa Financial LLC is a marketing affiliate and lead-generation company, not a lender, debt settlement provider, or credit repair organization. We provide general educational information and can connect consumers with third-party providers, including our ACDR-accredited debt relief partners, if a consumer independently chooses to proceed. Debt settlement programs are not suitable for everyone and may affect your credit profile, account status, and ability to obtain new credit during the program. Some clients may complete their programs in 24–60 months, depending on the amount of enrolled debt, the number of creditors involved, the timing of negotiations, and how quickly agreements can be finalized. Results vary and are not guaranteed. Debt settlement services may involve collections activity, account closures, or higher balances due to accrued fees or interest. Read and understand all program materials prior to enrollment. Not available in all states.
Data Privacy: Your information is secure and protected. We do not sell or share your personal data with third parties for marketing purposes. See our privacy policy for details. By submitting this form, you consent to be contacted via phone or SMS about your debt relief inquiry and updates.