PaydownHQ participates in affiliate marketing programs. This means we may earn a commission when you click on certain links on our site and complete a purchase or sign up for a service — at no additional cost to you.
What This Means for You
Some of the links on PaydownHQ.com are affiliate links. If you click one and sign up for a product or service, we may receive a small commission from the company. The price you pay is exactly the same whether you use our link or go directly to the company’s website.
We only recommend products and services we believe are genuinely useful. Our editorial content — the advice, comparisons, and analysis — is never influenced by affiliate relationships. If a product is not good, we say so.
Who We Work With
PaydownHQ may have affiliate relationships with financial services companies including but not limited to:
- Credit monitoring services (such as Credit Karma)
- Personal loan and debt consolidation lenders
- Balance transfer credit card issuers
- Credit counseling services
These relationships help us keep the site free and fund the tools we build for you.
Our Editorial Standards
Affiliate commissions do not influence our recommendations, rankings, or editorial content. We approach every article the same way: what is actually best for someone trying to get out of debt? That is the only question we are trying to answer.
If we recommend a product, it is because we think it is worth your time — not because we make more money from it.
Questions?
If you have questions about our affiliate relationships or editorial policies, reach us at kevin@paradox.icu.
This disclosure was last updated March 2026, in compliance with FTC guidelines on affiliate marketing disclosure (16 CFR Part 255).