Ready to be debt-free?
We thought so.
We’ll show you the fastest way to pay off any debt – and give you the motivation to get there.
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ReadyForZero web app and iphone app
ReadyForZero
ReadyForZero web app and iphone app

A Pay Off Plan That Works

Take control of your financial life: ReadyForZero has helped people pay down $207 million in debt – and counting.

Link all your debts or tell us what you owe, sit back while we create a personalized plan, then prepare to conquer your debt. Include credit card debt, student loan debt, mortgages, auto loans, medical debt, and any other type of debt you want to tackle.

With your personalized plan, you have the power to take control of your financial life... for good. We’ll be there every step of the way to show you the fastest way to get out of debt - and keep you motivated as you go!

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ReadyForZero Progress Graph

Visualize Your Progress

See where you’re headed wherever you are – online or on-the-go.

When you sign up with ReadyForZero, you’ll always have access to an easy to read progress graph. Deciphering complex credit card statements or confusing student loan websites? Not anymore. We’ve got you covered with our award-winning interface.

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Payments with ReadyForZero PLUS

Automate Your Payments

Spend less time worrying about due dates or fees and more time making progress.

Upgrade to so you can automate your repayment plan. With this simple step you can reduce the stress of scheduling payments every month and prevent unnecessary fees. With the option to set up recurring payments, you’ll get to spend less time worrying about due dates and more time watching your awesome progress.

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ReadyForZero Credit Score feature

Track Your Credit Score

Stay on top of your credit score - and watch it improve as you pay off debt.

Want to see your score go up as your debt goes down? Follow your full financial journey by signing up for . This upgrade allows you to make payments and track your Experian VantageScore 3 credit score. Take charge of your complete financial situation!

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ReadyForZero Loan Consolidation feature

Get Better Interest Rates

Lower your interest rates and consolidate your debts.

ReadyForZero can show you what debts should be consolidated and gives you instant feedback on how much you can save. Preview offers from our trusted partners without taking a hit on your credit score.

Check your new rate

“ReadyForZero acts as the angel on your shoulder” CNN Money
“Ditch the calculator and make a realistic plan to end your debt-related stress” Forbes
“One of the 50 Best Websites 2014” Forbes
“ReadyForZero is really easy to set up, it’s free to use, and offers some great suggestions” Lifehacker

Try ReadyForZero.

We think you’ll like it.

Get Started – It’s Free

Want more info? Keep reading, or feel free to contact us by phone or email.