Best Debt Relief Apps

201+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our debt relief list covers 201+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Compare top Debt Relief Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Relief: Get out of debtRelief: Get out of debtFree4.6★ (1.8K)NoNoJul 2026
2Freedom Debt ReliefFreedom Debt ReliefFree4.9★ (19K)NoNoJul 2026
3DebtAppDebtAppFree4.0★ (54)NoNoJul 2026
4Gauss: Payoff Credit Card DebtGauss: Payoff Credit Card DebtFree4.9★ (3.4K)NoNoJul 2026
5Lexington Law - Credit RepairLexington Law - Credit RepairFree4.8★ (109K)YesNoJul 2026
6Debt Consolidation - OneBillDebt Consolidation - OneBillFree5.0★ (5)NoNoJul 2026
7Debt Payoff Planner & TrackerDebt Payoff Planner & TrackerFree4.7★ (6.7K)YesYesJul 2026
8Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.7M)NoNoJul 2026

Top Picks for Debt Relief

Relief: Get out of debt#1

Relief: Get out of debt by Relief Technologies incorporated

Reduce your credit card debt
Editor's Choice
💰 Finance
4.6😊(1.8K ratings)
Free
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
Relief: Get out of debt screenshot 6

This app helps users reduce their credit card debt by negotiating with creditors and stopping collection harassment. It aims to settle debts for less, potentially reducing balances by up to 60%, and offers legal support throughout the process.

What We Love

  • 🚀 Fast and efficient
  • 💰 Significant debt reduction
  • 👍 Easy to use
  • 🙏 Helpful customer service

Room to Improve

  • 🐛 Login and app issues
  • ❌ Doesn't work with all creditors
  • 💰 Expensive fees
Freedom Debt Relief#2

Freedom Debt Relief by FreedomDebtRelief LLC

Client Dashboard
Strong Contender
💰 Finance
4.9😊(19K ratings)
Free
Freedom Debt Relief screenshot 1
Freedom Debt Relief screenshot 2
Freedom Debt Relief screenshot 3
Freedom Debt Relief screenshot 4
Freedom Debt Relief screenshot 5
Freedom Debt Relief screenshot 6

Manage your debt relief plan efficiently with instant notifications for settlement offers. Track deposits, balances, and savings, and stay updated on active settlements. Access your online dashboard for more resources.

What We Love

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

Room to Improve

  • 🐛 App does not accurately reflect account information
  • 💰 20% service fee, which can be costly
DebtApp#3

DebtApp by DebtApp, LLC

Worth Considering
💰 Finance
4.0(54 ratings)
Free
DebtApp screenshot 1
DebtApp screenshot 2
DebtApp screenshot 3
DebtApp screenshot 4
DebtApp screenshot 5

Manage unsecured debt and track savings with this finance app. View negotiated settlement offers from creditors and stay on top of your financial goals.

More Debt Relief apps to explore

4
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Gauss: Payoff Credit Card Debt
Manage Debt, Credit & Budget
Free

Manage all your credit cards in one place, track spending, and get personalized AI advice to pay off debt faster. Features include balance transfers, credit building, and automated payoff strategies.

Manage all credit cards in one appBalance transfers to low APR credit linesCredit building with reporting to bureaus
💰 Finance
(3.4K)
subscription
5
Lexington Law - Credit Repair
Lexington Law - Credit Repair
Lexington Law - Credit Repair
Credit Repair, Score & Reports
Free

This app helps individuals improve their credit by challenging inaccurate negative items on their credit reports. It offers personalized credit repair, real-time updates on progress, and insights into credit scores. Users can monitor their credit 24/7 and receive alerts on profile changes.

Personalized credit repairChallenge inaccurate negative itemsReal-time progress updates
💰 Finance
(109K)
free with in-app purchases
6
Debt Consolidation - OneBill
Debt Consolidation - OneBill
Debt Consolidation - OneBill
Fast & Easy Way to Pay Debts
Free

Explore options to merge multiple debts into a single loan with one predictable payment. This app helps you review potential consolidation offers from third-party lenders, aiming for lower interest rates and simplified financial management.

Explore debt consolidation opportunitiesReview potential offers from third-party lendersCompare estimated repayment plans
💰 Finance
(5)
free
7
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Free Snowball Calculator
Free

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

Customized debt repayment scheduleDebt Snowball payoff strategyDebt Avalanche payoff strategy
💰 Finance
(6.7K)
free with in-app purchases
8
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
💰 Finance
(7.7M)
free with in-app purchases
9
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
💰 Finance
(258K)
subscription
10
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Automate Payoff & Track Debt
Free

Effortlessly pay down debt with automated roundups from your purchases. Track all your loans, gain personalized insights from an AI assistant, and discover debt-friendly budgeting strategies to reach your financial goals faster.

Automated purchase roundups to debtSmart debt tracking and progress visualizationAI financial assistant for insights
💰 Finance
(1.5K)
free with in-app purchases
11
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Debt Relief & budget app
Free

This app helps you track spending and create a personalized plan to get out of debt faster. Gain insights into your financial habits and see estimated timelines for becoming debt-free. It allows you to prioritize debt repayment and explore potential debt solutions.

Track spendingCreate debt payoff plansView financial insights
💰 Finance
(809)
ad-supported
12
Build Credit & Fix It: Dovly
Build Credit & Fix It: Dovly
Build Credit & Fix It: Dovly
Fast AI Credit Score Boost
Free

This app uses AI-powered tools to help you build and improve your credit score. It can dispute inaccurate items on your credit report, provide personalized tips, and offer credit lock protection. Achieve your financial goals faster with a stronger credit profile.

AI-powered credit buildingDispute inaccurate credit itemsCredit score monitoring
💰 Finance
(73K)
free with in-app purchases
13
Experian®
Experian®
Experian®
Control Your Credit & Finances
Free

Access your credit report and FICO Score for free, and potentially improve your score by using bills you already pay. Get alerts for credit changes and compare financial products. A paid membership offers bill negotiation and subscription cancellation services.

Free credit report and FICO ScoreExperian Boost to raise FICO ScoreCredit monitoring and alerts
💰 Finance
(2.7M)
free with in-app purchases
14
Liberty Debt Relief
Liberty Debt Relief
Liberty Debt Relief
by Liberty Debt Relief, LLC
Free

This app allows users to manage their debt relief programs efficiently. Track payments, view active settlements, and access important documents. Easily reschedule, skip, or increase payments directly through the application.

Manage debt relief programsView active settlementsAccess important documents
💰 Finance
(2)
free
15
Americor
Americor
Americor
by Americor Funding, Inc
Free

Manage your finances and track debt settlement progress with this app. Easily view upcoming payments, upload documents, and receive account notifications. Designed to help consumers restructure debt and find lower-cost consolidation loans.

View upcoming payments and historyUpload documentsTrack settlement progress
💰 Finance
(1.3K)
free
16
Alleviate: Real Debt Relief
Alleviate: Real Debt Relief
Alleviate: Real Debt Relief
100,000+ Clients. Real Results
Free

This app helps individuals manage and reduce their debt by providing personalized plans, creditor negotiation, and progress tracking. It offers options to consolidate debt into a single lower payment or negotiate balances down directly with creditors, aiming for significant savings.

Personalized debt relief plansDebt consolidation optionsCreditor negotiation
💰 Finance
(5)
free
17
Clerkie Payoff Debt Bills Fees
Clerkie Payoff Debt Bills Fees
Clerkie Payoff Debt Bills Fees
Loan Money Build Credit Budget
Free

This app helps you manage your finances, budget effectively, and pay off debts faster. It offers tools to negotiate debt, find personalized loan offers, and monitor your credit score. Achieve financial freedom with a smart, secure, and free money management solution.

Negotiate and erase debtAutomated budgetingPersonal loan shopping
💰 Finance
(2.8K)
free
18
Changed: Automate Debt Payoff
Changed: Automate Debt Payoff
Changed: Automate Debt Payoff
Track Debt, Pay It Down Faster
Free

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

Automated extra paymentsRound up purchasesTrack all debt types
💰 Finance
(5.4K)
free with in-app purchases
19
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Money for moments that matter
Free

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(38K)
free
20
Debt Relief Karma
Debt Relief Karma
Debt Relief Karma
Manage your debt in one place.
Free

This app helps you manage and reduce your debt by analyzing your financial situation. It offers personalized solutions and connects you with debt relief program providers to help you become debt-free faster.

AI Debt CalculatorPersonalized RecommendationsDebt Type Support
💰 Finance
(4)
free with in-app purchases

FAQ about Debt Relief

What are the best debt relief apps for iPhone?
Relief: Get out of debt tops our debt relief apps ranking as of July 2026, with a 4.6-star average from 1.8K App Store ratings, and it's free to download.
Yes — 20 of the top debt relief apps we rank are free to download, including Relief: Get out of debt and Freedom Debt Relief.
Relief: Get out of debt has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 201+ debt relief apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
No, using Relief does not negatively impact your credit score. The app uses a soft pull for debt analysis, which doesn't affect your score. Credit score changes are typically related to unpaid debt, not the use of this service. Once a reduction agreement is resolved, accounts will update to reflect a settled balance.
Relief is designed to be secure. It does not require sensitive credentials for sign-up and utilizes bank-level security measures, including private and encrypted practices, to handle your data safely.

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