Debt consolidation, simplified

One payment.
One plan.
One less thing
weighing on you.

Free to check

See your options

Step 1 of 3

About your debt

$20,000
$5K$150K

Free to check · No obligation

256-bit encryption · No obligation · No commitment

Why people choose Forage

3 min

Average time to submit

1–5 days

Typical funding window

$10K+

Minimum debt to qualify

Free

Always free to check

How it works

Three steps to clarity

01

Tell us about your debt

Share your debt total, types, and a few personal details. Takes under three minutes.

02

See your offers

We match your profile with participating lenders and surface the options available to you.

03

Get funded

Choose the offer that fits. Many lenders fund within 1–5 business days.

Real results

I was paying $1,200 a month across four cards. Forage matched me with a lender at a rate I didn't think I'd qualify for. One payment now. Much lower.

MT

Marcus T.

Atlanta, GA

$38,000 consolidated

I kept putting it off because I thought it would be complicated. It took less than five minutes and I had offers the same day. Wish I'd done it sooner.

RS

Rachel S.

Phoenix, AZ

$22,500 consolidated

Simple, no pressure, upfront about everything. Exactly what I needed when I was already stressed about money. The whole thing felt surprisingly human.

DM

David M.

Chicago, IL

$51,000 consolidated

I had no idea what my rate would look like with my credit history. The offers were actually better than what my bank quoted me. Really glad I checked.

SK

Sandra K.

Portland, OR

$44,000 consolidated

Three minutes to fill it out, had a funded offer in two days. I've been carrying this debt for years — I just needed someone to make it easy to act on.

JR

James R.

Dallas, TX

$67,000 consolidated

I was skeptical about sharing my information online. But the process was transparent from the start and I never felt sold to. That mattered a lot to me.

PN

Priya N.

Miami, FL

$29,500 consolidated

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Bank-grade encryption

All data is transmitted over 256-bit TLS encrypted connections and stored securely.

Licensed lender network

Every participating lender in our network is independently licensed and operates in compliance with applicable law.

No fees to you, ever

Forage is free for consumers. We're paid by lenders when you choose an offer — never by you.

FAQ

Common questions

Ready to simplify?

Your debt, on your terms.

Submitting takes under three minutes. No commitment, no fees, no obligation. Forage connects you with lenders — we never charge you.

Step 1 of 3

About your debt

$20,000
$5K$150K

Free to check · No obligation