Best Debt Negotiation Service Apps

209+ iOS apps curated and reviewed

4.6 avg rating
18 free apps
Updated June 2026

With an average user rating of 4.6β˜…, the debt negotiation service category is one of the App Store's strongest. Browse all 209+ apps we track, sorted so the most loved ones surface first.

Top Picks for Debt Negotiation Service

Relief: Get out of debt#1

Relief: Get out of debt by Relief Technologies Incorporated

Reduce your credit card debt
Editor's Choice
πŸ’° Finance
4.6😊(1.2K ratings)
FreeAds
Relief: Get out of debt screenshot 1
Relief: Get out of debt screenshot 2
Relief: Get out of debt screenshot 3
Relief: Get out of debt screenshot 4
Relief: Get out of debt screenshot 5

Reduce overdue debt with ease using our innovative application, designed to help you manage and alleviate financial burdens. Take control of your debt today!

What We Love

  • πŸš€ Fast and efficient
  • πŸ’° Significant debt reduction
  • πŸ‘ Easy to use
  • πŸ™ Helpful customer service

Room to Improve

  • πŸ› Login and app issues
  • ❌ Doesn't work with all creditors
  • πŸ’° Expensive fees
Freedom Debt Relief#2

Freedom Debt Relief by Freedom Debt Relief LLC

Client Dashboard
Strong Contender
πŸ’° Finance
4.9😊(16K ratings)
Free
Freedom Debt Relief screenshot 1
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Freedom Debt Relief screenshot 5
Freedom Debt Relief screenshot 6

Track your debt relief plan with ease using our client dashboard app. Get instant notifications on settlement offers, view detailed financial information, and stay updated on your progress. Download now to start your journey towards financial freedom.

What We Love

  • πŸ‘ Stress-free and easy to use
  • πŸ‘ Professional and responsible service
  • πŸ‘ Excellent customer service
  • πŸ‘ Custom debt settlement plan based on income and expenses

Room to Improve

  • πŸ› App does not accurately reflect account information
  • πŸ’° 20% service fee, which can be costly
Changed: Debt Payoff Planner#3

Changed: Debt Payoff Planner by Changed Inc.

Track Debt, Pay It Down Faster
Worth Considering
πŸ’° Finance
4.6😐(5.2K ratings)
FreeAds
Changed: Debt Payoff Planner screenshot 1
Changed: Debt Payoff Planner screenshot 2
Changed: Debt Payoff Planner screenshot 3
Changed: Debt Payoff Planner screenshot 4
Changed: Debt Payoff Planner screenshot 5
Changed: Debt Payoff Planner screenshot 6

Automate debt payoff with an app that rounds up your spare change to help you pay off credit cards, loans, and more. Save money effortlessly and accelerate your journey to a debt-free life with Stash My Cash. Join the Payoff Debt Revolution and start saving thousands today!

What We Love

  • πŸš€ Helpful in paying off loans
  • πŸ’‘ Automatic debt payments
  • πŸ‘ Easy to use
  • πŸ€‘ Saves money without noticing

Room to Improve

  • πŸ› Connectivity issues with accounts
  • πŸ•°οΈ Slow payment processing
  • πŸ’Έ Subscription fees

More Debt Negotiation Service apps to explore

4
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Free Snowball Calculator
Free

Control your finances with ease using an innovative debt payoff planner app. Effortlessly manage and track your debts, set personalized repayment goals, and stay on top of your financial well-being. Take charge of your financial future today!

πŸ’° Finance
(6.7K)
5
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Automate Payoff & Track Debt
Free

An innovative financial app that helps users pay off debts while making everyday purchases. Easily manage and track your payments in real-time. Take control of your finances with Ditch!

πŸ’° Finance
(1K)
6
Alleviate: Real Debt Relief
Alleviate: Real Debt Relief
Alleviate: Real Debt Relief
100,000+ Clients. Real Results
Free
πŸ’° Finance
(5)
7
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Manage Debt, Credit & Budget
Free

Simplify debt management and track credit card payoff progress with a user-friendly application designed to streamline financial tracking and goal achievement. Take control of your finances today.

πŸ’° Finance
(3.1K)
8
OneMain
OneMain
OneMain
Personal & Auto Loans
Free

A personal finance management app that helps users track expenses, set budgets, and analyze spending patterns. Take control of your finances today and start making better financial decisions.

πŸ’° Finance
(72K)
9
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Your personal money app
Free

Get your personal money assistant with a powerful financial app offering insights on your accounts and credit, free credit monitoring, access to credit card and loan offers, net worth tracking, credit building, early paycheck access, drive score monitoring, and more. Download the app to start optimizing your finances today.

πŸ’° Finance
(7.6M)
10
YNAB
YNAB
YNAB
Never worry about money again
Free

Start changing your money mindset with a set of habits to spend purposefully, save aspirationally, and give generously. Join millions in improving your financial outlook and sign up for a one-month free trial today!

πŸ’° Finance
(60K)
11
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
With Debt Snowball Method
Free
$0.99 | 100% OFF

A comprehensive debt management app utilizing the Debt Snowball method, featuring various tools like quick debt summaries, progress bars, payment due date reminders, and multiple payoff strategies. Users can track multiple debts, analyze repayment scenarios, and sync data across devices. Embark on your journey to financial freedom with Debt Free - Pay Off your Debt app!

πŸ’° Finance
(0)
12
Clerkie Payoff Debt Bills Fees
Clerkie Payoff Debt Bills Fees
Clerkie Payoff Debt Bills Fees
Loan Money Build Credit Budget
Free

This finance app called Clerkie helps you manage and pay off debt efficiently, while also offering personalized loans, credit card recommendations, credit score monitoring, and budgeting tools. It provides bank-level security and features like debt negotiation, budget tracking, subscription management, and loan options to improve credit scores. Join now to take control of your finances!

πŸ’° Finance
(2.8K)
13
WalletHub: Credit & Budgeting
WalletHub: Credit & Budgeting
WalletHub: Credit & Budgeting
Improve Credit, Budget & Save
Free

An app that helps users monitor, improve, and understand their credit scores and reports to make informed financial decisions. Take control of your financial health today.

πŸ’° Finance
(9.9K)
14
Americor
Americor
Americor
by Americor Funding, Inc
Free

Manage your accounts effortlessly with our app, allowing you to view payments, settlement progress, offers, and receive important notifications. Simplify managing debt and consolidate loans with our innovative finance technology platform.

πŸ’° Finance
(1.3K)
15
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Debt Relief & budget app
Free

Track and manage your debts effectively with this user-friendly app. Stay on top of your financial goals and progress towards becoming debt-free. Download now to take control of your finances!

πŸ’° Finance
(809)
16
Pay Off Debt by Jackie Beck
Pay Off Debt by Jackie Beck
Pay Off Debt by Jackie Beck
Your best debt payoff plan
$4.99

The application is a debt-tracking and debt-management tool that helps users develop and implement a personalized debt payoff strategy, whether using the debt snowball, debt avalanche, or any other method. It provides features to stay motivated, visualize progress, and collaborate with others, empowering users to become debt-free and achieve financial freedom.

πŸ’° Finance
(34)
17
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Pay and manage your bills effortlessly with our app. Take a photo of your bill, select the amount, and we pay it for you. Save money, build credit history, and join over 500,000 users taking control of their bills today!

πŸ’° Finance
(23K)
18
Cleo AI: Cash Advance & Budget
Cleo AI: Cash Advance & Budget
Cleo AI: Cash Advance & Budget
Track, Budget, & Save Cash!
Free

Get up to $250 cash advance with Cleo. Save money effortlessly with its smart budgeting tools, tailored to your spending habits. Say goodbye to financial worries – start managing your money smarter today!

πŸ’° Finance
(233K)
19
Debt Payoff Plan Calculator
Debt Payoff Plan Calculator
Debt Payoff Plan Calculator
Snowball repayment strategies
Free

Accelerate debt repayment with our intuitive calculator. Snowball repayment strategies help you pay off debts faster. Take control of your finances today.

πŸ’° Finance
(130)
20
Debt Manager
Debt Manager
Debt Manager
Get Out of Debt Fast
$0.99

Manage and eliminate debt efficiently with this top-ranked finance app in the US. Take control of your finances and achieve financial freedom faster.

πŸ’° Finance
(546)