# Debt Optimizer — Save Money with Credit AI

> AI-powered debt management and credit optimization for financial empowerment. (iPhone/iPad app by Solve Finance.)

- Source: https://appshunter.io/ios/app/debt-optimizer/id6478185942 (this page in markdown: same URL + `.md`)
- Developer: [Solve Finance](https://appshunter.io/developer/1732151685)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Rating: 4.40/5 from 7 App Store ratings · 4 written reviews indexed
- Age rating: 17+
- Requires: iOS 13.0 · 98 MB
- Languages: American English
- Released: 2024-03-25
- Data updated: 2026-08-10
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/debt-optimizer/id6478185942/reviews.md

## What is Debt Optimizer?

The Solve Finance App is where you can apply for Personal Loans, help build your credit report track record (we offer small Credit Builder loans), and view your credit report to help you better navigate your finances.

With no impact to your credit score, you can see amounts, estimated rates, and monthly payments before verifying your income to apply for one of our direct loan programs. Enter your information once and keep up with your progress in the app. Direct Loan programs are offered by Franklin Credit. Any pre-approval for a loan program is based on your credit report and is not a commitment to lend — final terms are determined for completed applications using bank data to give as fair and full underwriting as possible, and try to offer options to as many people as possible.

View your credit report and score. Track changes over time, review your accounts and balances on file, and see why your score is what it is and figure out your next move. Pulling your report through the Solve Finance app does not affect your score.

HOW IT WORKS

Create an account and tell us what you're looking for.

View your credit report and see what you pre-qualify for.

Complete your application and review rates, terms, fees, and monthly payments.

Solve Finance was built by a team with backgrounds in household finance research and software engineering. You choose which products to apply for and when.

Download the Solve Finance app to view your credit report and see what you pre-qualify for.

## Key features

- Personalized debt payoff strategies
- Credit score improvement
- Mortgage qualification assistance
- Real-time market data analysis
- AI-driven financial recommendations
- Expert financial advice

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Debt Optimizer Monthly | $9.99 | per month |
| Debt Optimizer Yearly | $99.99 | per year |


## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/debt-optimizer/id6478185942/reviews.md

### 1/5 — “Upgrade not available on IOS”

*2025-07-24*

Keep this app all my information just to be greeted with this “Upgrade not available on IOS” Absolutely worthless.

### 5/5 — Valuable insights

*2024-04-15*

very straightforward and valuable insights on my current borrowings. I also appreciate the insights and experience around home buying as we are looking into that over the next 18 months. Great job Solve team.

### 5/5 — Won me over

*2024-04-15*

I was skeptical but found the app to be incredibly valuable. Walked me through clear steps to build my credit score.

### 5/5 — Great unbiased advice

*2024-04-15*

Only app that seems like they want to help you instead of just sell you something

## Frequently asked questions about Debt Optimizer

### What is Debt Optimizer?

Debt Optimizer is a finance app that uses AI to analyze your credit and offer personalized strategies for saving money, paying off debts, and improving your borrowing power. It aims to simplify your financial journey and help you achieve goals like homeownership.

### How does Debt Optimizer help with debt?

Debt Optimizer scans your credit and real-time market data to provide immediate recommendations for your borrowing needs. It identifies opportunities to save money, pay off debts more efficiently, and improve your credit score.

### Can Debt Optimizer help me buy a house?

Yes, Debt Optimizer has helped thousands of users overcome mortgage denials and achieve their first-time homebuying dreams. It focuses on improving your personal finances, credit score, and borrowing power, which are crucial for mortgage qualification.

### What kind of financial advice does Debt Optimizer offer?

The app is built by debt experts and offers affordable, objective financial advice. It provides insightful tools and expert guidance to help users achieve financial freedom and build a brighter future.

### Is Debt Optimizer secure?

While specific security measures are not detailed, the app is developed by a team of software engineers using the latest in household finance research and credit connectivity technology. It aims to empower users with control over their debts and finances.

### What are the subscription plans for Debt Optimizer?

Debt Optimizer offers a monthly subscription for $9.99 and a yearly subscription for $99.99. These plans likely unlock premium features or enhanced access to the app's services.

### Does Debt Optimizer have ads?

Yes, Debt Optimizer contains advertisements. This is a common practice for free finance apps to support their development and operational costs.

### What devices is Debt Optimizer available on?

Debt Optimizer is supported on iPhone, iPad, and iPod devices. The app is rated for users aged 17 and older.

## Version history (last 5 releases)

### 1.7.7 — 2026-08-07

We're now available in Puerto Rico! Puerto Rico residents can create an account and get personalized recommendations for their debts, credit, and mortgage.

This release also adds Spanish language support. You can switch languages anytime from your device settings.

Plus: bug fixes and performance improvements.

### 1.7.6 — 2026-07-08

We've improved the bank connection process for wider coverage and faster approval times.

### 1.7.0 — 2026-06-25

New features including pay-by-text, Chirp for better bank coverage, and in-app payments.

### 1.6.20 — 2026-04-08

Newly improved flow to make managing payments easier!

### 1.6.19 — 2026-03-16

Good news: applying just got a whole lot quicker. We've simplified our review process so you spend less time waiting for an answer on your application.

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| --- | --- | --- | --- |
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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-10.*