If you can only afford the minimums on your credit card payments...Fency is perfect for you as you'll begin to see savings sooner rather than later without having to apply or qualify for a traditional debt consolidation loan.
We base our lending decisions on your current spending and account activity...not your past credit problems.
If you've tried to get a debt consolidation loan or reduce your interest rate and been denied, Fency is for you!
We have a different approach where everyone gets a chance to work their way out of debt.
We're not a debt consolidator/negotiator & we don't force you to close your accounts. We also don't charge insane interest rates.