Advertiser disclosure

Last updated: November 13, 2026

How we make money

Broke to Fine is free. Some of the options we show — for example a personal loan, a balance transfer card comparison, a credit scores & reports service, a credit report dispute service, a car-backed credit card or debt relief — are partner offers. If you click one and sign up or get approved, we may earn a commission from the partner or from the affiliate network that connects us. It never costs you anything extra.

How we choose what to show you

• Every plan starts with a free step: calling your card company with our script (including how to ask about a hardship program).
• Which option appears first depends only on the answers you give in our free tool (your balance, rate, how you describe your credit and, if you say your credit is poor, whether you own a car). We don't buy or look up any data about you.
• Each plan says, right above the options, that some of them come from partners who may pay us. If the guided call ends with a “plan B” option, the same note appears right under its button. Required notes from partners (for example, that the lowest rates go to the most qualified applicants) appear under the matching option wherever it’s shown.
• Some partner services are paid (for example credit report disputes and credit monitoring memberships). Debt relief can hurt your credit score and charges fees; credit report disputes only help with errors. Check the price and read the provider's terms before you sign up.

What we are not

We are not a lender, a bank, a credit bureau or a financial advisor, and we don't make credit decisions. Partners decide whether to approve you and on what terms. Our videos and tools are for education only and are not financial advice. Check terms with the provider before you apply.

Numbers and sources

Payoff estimates assume a minimum payment of 1% of the balance plus interest (at least $25) and no new purchases; your card's formula may differ. The "84% got a lower rate" figure comes from a 2026 LendingTree survey of cardholders who asked for a lower APR in the past year.