Relief helps you find debt consolidation loan offers from trusted third-party partners. But not everyone will qualify to see offers—and that’s by design. We want to make sure we only show you options that are actually worth your time.
Here’s what makes someone eligible to use our tool:
✅ Basic Requirements
To be considered, you must:
Be 18 years or older
Have a FICO or VantageScore of at least 660
Request a loan of at least $3,500
Report a primary annual income of $20,000 or more
❌ You’ll Be Ineligible If…
You're unemployed, self-employed, or didn’t report your employment
You have a self-reported credit rating of Poor or Fair
(Only those with self-reported Excellent or Good are considered)
📍 State Availability
Currently, our consolidation tool is available to users in the following states:
AK, AL, AR, AZ, CA, CO, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NE, NC, ND, NJ, NM, NY, OH, OK, OR, PA, RI, SC, SD, TX, UT, VA, WA, WI, WY
📉 Financial & Credit Profile Checks
We use your credit profile to help determine eligibility. You may be ineligible if any of the following apply:
Bankruptcies: More than 0 bankruptcies reported in the last 24 months
Delinquencies: Any delinquencies reported in the past 6 months
Collections: Any accounts in collection in the past 12 months
Charge-offs: Any charge-offs within the last 24 months
Personal finance inquiries: More than 2 within the last 6 months
Open tradelines: If you have no open revolving credit reported in the last 3 months, or the info is missing
Public records: If there are any public tax liens or judgments within the last 24 months
⚠️ Debt-to-Income (DTI)
Your DTI ratio must be 0.4 or lower (this calculation excludes housing payments). A high DTI could disqualify you even if everything else looks good.
🔍 Credit Checks & Inquiries
While Relief doesn’t do a hard credit pull, our lending partners rely on your credit history to determine loan eligibility.
📝 Reminder
Relief doesn’t manage the loan. We simply help you discover and compare offers from third-party lenders based on your financial profile. If you're eligible, you’ll see loan options directly in the app.