Best Loan Repayment Apps to Help You Get Out of Debt

📱 Best Loan Repayment Apps to Help You Get Out of Debt (2025 Edition)

Managing debt can be overwhelming, but thanks to modern technology, it’s easier than ever to stay on top of your loan payments. Whether you’re dealing with student loans, credit cards, or personal loans, these loan repayment apps can help you budget, automate, and accelerate your journey toward becoming debt-free.

🏆 1. Undebt.it

Best For: Creating a personalized debt repayment plan
Undebt.it helps you choose between the debt snowball or avalanche method, track your progress, and set repayment goals. The dashboard is clean and motivating—perfect for those serious about crushing debt.

✅ Free with premium upgrade
🔁 Supports multiple debt payoff strategies
📊 Detailed visualizations of your progress

💸 2. Tally

Best For: Managing and paying off credit card debt
Tally offers a line of credit to help consolidate your high-interest credit cards. It automatically makes payments on your behalf, helping reduce interest and late fees.

✅ Automated credit card payments
💰 Potential to save hundreds in interest
🔒 No hard credit check to see your eligibility

🧾 3. Mint

Best For: Budgeting while paying down debt
Mint isn’t just a budget app—it tracks your debts, lets you see due dates, and helps you allocate your income wisely. Perfect if you want to understand where your money goes each month.

✅ Free to use
📱 All-in-one view of your finances
🔔 Custom alerts for bills and payments

🧮 4. ChangEd

Best For: Student loan repayment using spare change
ChangEd rounds up your purchases to the nearest dollar and puts the difference toward your student loans. Small change = big results over time.

✅ Automates extra payments
💵 On average, users save thousands
📈 Passive way to chip away at debt

🔄 5. Qoins

Best For: All types of debt repayment through automation
Similar to ChangEd, Qoins rounds up transactions and sends the spare change toward any kind of debt—credit card, student loans, personal loans, etc.

✅ Works for multiple loan types
🏁 Helps you pay off loans faster without thinking about it
🔧 Custom rules and scheduling

🗓️ 6. Debt Payoff Planner

Best For: Planning and motivation
This app is designed to help you visualize your payoff plan, track payments, and stay motivated with milestones. No extra frills—just solid debt tracking.

✅ Easy to use and intuitive
📊 Graphs show progress over time
💬 Great for those who love seeing goals in action

💼 7. Credible

Best For: Refinancing loans to lower payments
Credible isn’t a payment tracker—it’s a loan marketplace. You can compare refinancing offers for student loans, personal loans, and more to find better terms.

✅ Real-time loan comparisons
🔍 Doesn’t impact your credit to check rates
💬 Trusted by thousands for debt relief options

🎯 Final Thoughts: Which App Should You Use?

There’s no one-size-fits-all solution, but here’s a quick breakdown:

Whichever app you choose, the most important thing is starting. Combine these tools with consistent habits and you’ll be debt-free before you know it.