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MELT YOUR
DEBT

Shop normally. We automatically pay your credit cards and student loans.

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How it works

EARN AS
YOU SHOP

No Risk

100%
FREE

Coming Soon

JOIN THE
WAITLIST

Pay Off Debt For Free.

Link your card once. Shop like you normally do. We use your rewards to pay off your debt. It's that easy.
🔥 The first 1,000 people to sign up get a special bonus forever.

See How It Works.

Click the phone below to see how easy it is to track your debt and link your cards.

Watch Debt Drop

See your debt go down right before your eyes. We lower your balances so your credit score goes up.

See Your Progress

Know exactly how much debt you paid off. See how your normal shopping pays off your loans.

Set It And Forget It

Choose to pay off Credit Cards or Student Loans. Then just let us do the rest.

Try it out!
9:41

Debt melting
made easy.

Shop top brands. Melt your balances.

Purchased on the web?

Earn More Rewards

The more you use it, the more we pay off your debt. The first 1,000 users get the Gold Tier for free.

gold Tier Reward Multiplier

Achieved by linking accounts or spending frequency.

2.5x

Payout Match

+35% bonus

How to unlock

1,000 Points (Early access)

Don't Change How You Shop. Just Join.

Be the first to let Melted pay off your debt for you.

Beta Feedback

Life Didn't Change. Debt Did.

Real people. Real purchases. Real debt gone.

Verified

"I literally changed nothing about how I shop. My loan balance has dropped over $400 since I signed up. This is insane."

Jessica R.

Jessica R.

Grad Student, $28K in loans

Verified

"I have two credit cards I've been paying the minimum on for years. Melted is finally making a dent without me doing anything."

Marcus T.

Marcus T.

Software Engineer

Verified

"Between groceries and Uber rides, I earn enough rewards to cover a whole extra payment every month. I cried a little."

Aisha P.

Aisha P.

Nurse, single mom

Verified

"It feels like finding money you forgot you had, except it automatically pays your debt. Connect once and forget it."

Tyler W.

Tyler W.

Freelancer

Verified

"Why didn't this exist sooner? Every Target run, every Uber — it's all working for me now instead of just costing me."

Samantha K.

Samantha K.

Teacher, $41K student debt

Verified

"I literally changed nothing about how I shop. My loan balance has dropped over $400 since I signed up. This is insane."

Jessica R.

Jessica R.

Grad Student, $28K in loans

Verified

"I have two credit cards I've been paying the minimum on for years. Melted is finally making a dent without me doing anything."

Marcus T.

Marcus T.

Software Engineer

Verified

"Between groceries and Uber rides, I earn enough rewards to cover a whole extra payment every month. I cried a little."

Aisha P.

Aisha P.

Nurse, single mom

Verified

"It feels like finding money you forgot you had, except it automatically pays your debt. Connect once and forget it."

Tyler W.

Tyler W.

Freelancer

Verified

"Why didn't this exist sooner? Every Target run, every Uber — it's all working for me now instead of just costing me."

Samantha K.

Samantha K.

Teacher, $41K student debt

Debt That
Melts Away.

Join the waitlist now for free to get the best rewards.

Frequently Asked Questions

Melt is a 100% free automated program that helps you pay off credit card debt and student loans faster by turning everyday shopping rewards into extra debt payments.

Simply link your everyday cards and shop as you normally do at thousands of participating brands like Target, Uber, and groceries. When you earn rewards, Melt automatically forwards them to your selected student loan or credit card account as an extra payment.

Yes. Melt is entirely free for users. There are zero fees, zero interest charges, and zero credit checks. We partner directly with merchants who sponsor the rewards to help you pay down debt.

No. Melt is not a loan, a line of credit, or a refinancing service. There is no hard pull or soft pull on your credit score, and using Melt has zero negative impact on your credit history.

Security is our highest priority. We use bank-level 256-bit encryption and partner with industry-leading secure card-linking networks to ensure your data is always safe, encrypted, and private.

© 2026 Melted. All rights reserved.

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