Receive expert recommendations that match your unique debt profile, helping you find the best path to financial freedom.
Discover various ways to increase your earnings with personalized recommendations based on your financial situation and interests.
Track your debt reduction journey in real time with easy-to-read visuals that keep you motivated and focused on your goals.
Whether it’s consolidating debt, settling for less than you owe, or eliminating your debt entirely, we’re here to help you make the right decision for your unique situation.
Combine your debts into one manageable loan with lower interest rates and a single payment.
Negotiate with creditors to settle your debt for less than what you owe, making it easier to pay off.
Ensure your debts are accurate and valid, potentially reducing or eliminating what you owe.
Use your home equity to secure a loan with favorable terms and pay off high-interest debt.
Refinance your mortgage to reduce monthly payments, freeing up cash to tackle other debts.
Explore bankruptcy options to discharge debts and start rebuilding your financial future from a fresh slate.
Explore Solutions
Find The Right Solution For You
Whether it’s consolidating debt, settling for less than you owe, or eliminating your debt entirely, we’re here to help you make the right decision for your unique situation.
Consolidation Loan
Simplify Your Debt
Combine your debts into one manageable loan with lower interest rates and a single payment.
Debt Settlement
Reduce What You Owe
Negotiate with creditors to settle your debt for less than what you owe, making it easier to pay off.
Debt Validation
Verify Your Debts
Ensure your debts are accurate and valid, potentially reducing or eliminating what you owe.
Home Equity Loan
Tap Into Your Home's Value
Use your home equity to secure a loan with favorable terms and pay off high-interest debt.
Mortgage Refinance
Lower Your Mortgage Payments
Refinance your mortgage to reduce monthly payments, freeing up cash to tackle other debts.
Bankruptcy
Start Fresh
Explore bankruptcy options to discharge debts and start rebuilding your financial future from a fresh slate.
HardshipHero helps you explore debt relief and financial solutions tailored to your unique situation. We offer access to loans, debt resolution, and other programs designed to help you escape debt for good.
No! Our application process is quick, simple, and takes only a few minutes. You’ll receive personalized recommendations right away
Yes! We work with a variety of services that may be able to help, regardless of your credit score. Don’t let bad credit stop you from applying.
We offer a range of services, including Consolidation Loans, Debt Settlement, Debt Validation, Mortgage Refinancing, Home Equity Loans, and Bankruptcy solutions.
Absolutely. We use industry-standard security measures to ensure your personal information is protected.
No, applying through HardshipHero does not impact your credit score. Our service helps match you with options based on your situation.
Once you submit your application, you’ll receive personalized recommendations. From there, you can speak to one of our trusted partners who will guide you through the next steps.
No, applying is completely FREE. We believe everyone deserves the chance to explore their options without any upfront costs.
Yes, we thoroughly vet all of our partners to ensure they provide reliable, effective solutions for people in financial hardship.
If you don’t qualify for a loan, we’ll still recommend other options, such as debt settlement or validation, that may better fit your needs.
DISCLAIMER: At HardshipHero, LLC (“HardshipHero,” “we,” “us,” or “our”), we are committed to providing a transparent and compliant platform. The following disclaimer outlines our services, limitations, and important disclosures. By using this website, you agree to these terms.
NON-LENDER STATUS AND AFFILIATE RELATIONSHIPS: HardshipHero, LLC is not a lender, loan broker, or credit decision-maker. We do not provide cash advances, offer loans, or directly engage in lending activities. This website is not an offer or solicitation to lend. Our services function as a lead generation platform that connects individuals seeking financial assistance with third-party service providers, including lenders and financial institutions. We may receive compensation from these third-party partners for referring potential customers or forwarding user information.
LENDERS: The third-party lenders we work with are solely responsible for their loan offerings, decisions, and transactions, including compliance with federal, state, and local regulations. HardshipHero has no control over, nor responsibility for, the actions, disclosures, or agreements provided by these third-party lenders. Your engagement with a lender is subject to their specific terms and conditions.
TRIBAL LENDERS: You may be matched with a tribal lender governed by tribal and certain federal laws, which are immune from state laws, including usury caps. Tribal lenders may offer loan terms that differ from state-regulated lenders, often with higher interest rates and fees. In the event of disputes, tribal lenders may require resolution within a tribal jurisdiction. Please carefully review their terms and conditions before proceeding.
LEAD AGGREGATORS: Your information may be sent to an aggregator, not directly to a lender, and may be sold multiple times, resulting in offers from multiple lenders or marketers. Lenders may supplement your information with data from other sources to assess your eligibility for services. HardshipHero does not guarantee that all lenders can provide the specific loan type, rate, or terms you are seeking.
HOW WE MAKE MONEY: HardshipHero earns revenue through affiliate marketing and lead generation by connecting users with third-party financial service providers. When you interact with our partners’ services through our platform, we may receive a referral fee or commission. This does not affect the cost of services provided to you, nor does it impact the financial recommendations we make based on your circumstances. Our partners include debt settlement companies, loan providers, legal service firms, and others.
LOAN TERMS AND RATES: Consolidation loan options offered by our affiliates typically range from $1,000 to $50,000, with Annual Percentage Rates (APRs) between 6.99% and 35.99%. Origination fees can range from 0% to 10%, with loan terms from 12 to 60 months. As an example, a typical personal loan might involve:
Loan amount: $23,760
Origination fee: 4.95% ($1,176)
Interest rate: 18.00%
Repayment term: 48 months
Monthly payment: $697.95
APR: 20.89%
The borrower would receive $22,584 after the origination fee deduction, with a total interest of $9,741.60 and total loan cost (interest plus origination fee) of $10,917.72. Total payments made would equal $33,501.60. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates.
CASH TRANSFER TIMES: Times vary depending on lender practices and applicable local laws. In some cases, additional documentation such as faxing may be required. Credit checks may be performed to assess your creditworthiness.
THIRD-PARTY RELATIONSHIPS AND NO GUARANTEE OF RESULTS: While we strive to connect users with financial services that match their needs, HardshipHero makes no guarantee regarding the availability of loan offers, financial outcomes, or terms provided by third-party lenders. The financial solutions presented are based on individual circumstances and lender discretion. We cannot ensure that you will qualify for any specific loan, rate, or terms. Short-term loans are a costly form of credit and should be used responsibly.
STATE-SPECIFIC RESTRICTIONS: Residents of Connecticut, New Hampshire, Washington, and Vermont are not eligible to request cash advances or participate in certain loan services offered through this website. Additionally, this service may not be available in all states, and availability may change without notice.
LEGAL DISCLOSURES AND CONSUMER PROTECTION: Online Lenders Alliance (OLA): HardshipHero adheres to the OLA’s best practices and code of conduct, committing to the highest standards of customer service, compliance with federal laws, and protecting consumers from fraud. We encourage users to understand the full terms and implications of any loan or financial service before engaging with a third-party provider.
NON-DISCRIMINATION: HardshipHero does not discriminate based on race, color, religion, sex, marital status, national origin, ancestry, or any other protected characteristic. All individuals are treated equally in their interactions with our platform and our third-party partners.
LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, HardshipHero, LLC, ITS PARENTS, SUBSIDIARIES, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE OR THE SERVICES PROVIDED THROUGH IT. THIS INCLUDES BUT IS NOT LIMITED TO DAMAGES RESULTING FROM YOUR USE OF LOAN SERVICES, FINANCIAL PRODUCTS, OR THIRD-PARTY PROVIDER AGREEMENTS.
HardshipHero MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT GUARANTEE THAT THIS WEBSITE WILL BE ERROR-FREE OR UNINTERRUPTED, NOR DO WE WARRANT THE ACCURACY OF ANY CONTENT OR INFORMATION PROVIDED.
PRIVACY AND DATA USAGE: Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal data. By using this website, you agree to the terms of our data collection practices and understand that your information may be shared with third-party providers for the purpose of facilitating financial services.
UPDATES TO THIS DISCLAIMER: We reserve the right to modify this disclaimer at any time. Any changes will be reflected by updating the “Last Updated” date at the top of this disclaimer. Your continued use of this website following such changes constitutes your acceptance of the updated disclaimer.
Our app is currently in beta as a web version, and for a limited time, we’re offering FREE access to all users who complete an application. Take advantage of this exclusive offer to start managing your debt and financial goals today!
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