Relief helps you find debt consolidation loan offers from trusted third-party partners. But not all debt accounts will qualify to be included.
When you link your accounts, we run an initial eligibility check based on the debt details you provide. If an account doesn’t meet certain requirements, it won’t appear as eligible for a consolidation loan in the app.
Common reasons an account may not be eligible:
The account is delinquent. At this time, we only support accounts that are current or in good standing for consolidation.
The balance is too low. Loan offers generally start at $3,500, so accounts with smaller balances may not qualify.
The account type isn’t supported. Some account types (like certain secured loans) aren’t eligible for consolidation through our partners.
You don’t meet lender criteria. Even before applying, lenders have baseline requirements around income, credit history, and debt-to-income ratio. If your profile doesn’t meet these, an account may not show up as eligible.
State restrictions. Consolidation loans are only available in certain states, so if you live in a state where the tool isn’t offered, eligible accounts won’t appear.
Reminder: Relief doesn’t issue the loan or manage repayment—we simply help you discover and compare offers from trusted lenders that match your profile and the accounts you qualify to consolidate.