About Lighten
Lighten the load.
Most people carrying credit-card debt aren't bad with money. Their money is just structured against them — high interest quietly eating most of every payment, so the balance barely moves.
Why we built this
When you're only paying the minimum on a high-APR card, you can send hundreds of dollars a month and watch the balance sit almost still. It's discouraging, and it's easy to blame yourself. But the math isn't a character flaw — it's just interest doing what interest does.
Lighten exists to make that math visible in ten seconds. Enter your balance, your rate, and what you pay. We show you exactly how much of your money is going to interest, how long you're on track to stay in debt, and how a consolidation loan could change both.
How we help
- See the truth, free. No account, no signup — the calculator runs on your numbers, in your browser.
- Compare honestly. If a consolidation loan would genuinely save you money and time, we show it. If it wouldn't, the numbers will say so.
- Match, only if you want. When you're ready, we can connect you with lenders and lending marketplaces to see real offers.
What we are — and aren't
Lighten is a free comparison service. We are not a lender, a broker, or a financial advisor, and we don't charge you anything. We earn a referral fee from lenders when you choose an offer — and that never changes the math we show you. See our Advertising Disclosure for the full picture.
Say hello
[contact email — TBD]