Consolidate Unsecured Debt
or

Get Cash Now for Future Payments

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1Loan Reason
2Structured Payment
3Loan Amount
4Contact Information
What do you need cash for?*
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How it Works

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Choose your path forward

Compare your options and take back control of your finances

Why JG Wentworth?

1

Over 30 Years in Business

We’ve been helping people with their finances since 1991.

2

Helped Over 375,000 Customers

More people have trusted JG Wentworth to take control of their finances.

3

Over 25,000 5-Star Reviews

2026 USA Today Most Trusted Brand, A+ BBB Ranking, 4.8/5 on Trustpilot.

What does JG Wentworth do?

JG Wentworth is the leader in structured settlements, annuities, and debt  solutions. We are best known for purchasing future structured settlement payments and annuities in exchange for lump-sum cash payouts, helping individuals access funds they might otherwise have to wait years to receive.

Whether you want to sell your structured settlement payments, cash out your annuity, need help with debt, or are looking for cash now, JG Wentworth could help.

How does JG Wentworth work?

If you have a structured settlement or annuity that pays you in periodic installments, we will buy your future payments for a lump sum of cash now. We will also try and get you any desired cash advances while we work through your settlement so you don’t have to wait for your money.

We can also help customers with their debts, get cash for their pending lawsuits, shop personal loans, and explore other financial products that can help you get more of your cash now.

What is debt consolidation?

Debt consolidation merges multiple debts into a single, manageable payment. By combining various debts like credit cards, loans, or medical bills, it simplifies payments into one monthly installment.

This approach often offers a lower interest rate than the combined rates of individual debts, potentially reducing overall interest costs. It streamlines finances, making it easier to track and manage payments while potentially improving credit scores. Ultimately, debt consolidation aims to ease financial burden, offering a structured repayment plan to help individuals regain control of their finances.

Key considerations when choosing debt consolidation services

When selecting debt consolidation services, key considerations include assessing fees, interest rates, and repayment terms offered by providers. Evaluate the credibility of the service, checking for accreditations and customer reviews. Ensure the consolidation plan aligns with your financial goals and budget. Scrutinize any additional benefits or potential drawbacks, like impact on credit score or hidden charges.

Confirm the security of your personal information and understand the terms and conditions thoroughly. Compare multiple offers to find the most suitable option that not only consolidates your debts effectively but also supports your journey towards financial stability.

Find out what your eligible for

The numbers we provide here are estimates based on some assumptions:

On your own:

Based on industry averages, we estimate a monthly compounding interest rate of 22.99% and that you are making a minimum payment that is 2.5% of your total debt.

JGW:

The length of your program is determined by your debt amount. Programs are between 24 and 60 months in length and average program length is around 42 months.

Savings amount is an estimate base on average customer savings on their monthly payment. Real results will vary and some customers will save more, less or not at all.

Disclaimer: The calculator on this web site is for estimation and educational purposes only. JG Wentworth makes no guarantees regarding its accuracy and specifically disclaims any and all liability arising from the use of this or any other calculator on this web site. Use at your own risk and verify all results with an appropriate financial professional before taking action. We are not registered investment advisers, attorneys, CPA’s or other financial service professionals and do not render legal, tax, accounting, investment advice or other professional services.

Your entered value is significantly different from our estimate. You can adjust it for accuracy, or continue as is.

FYI, this option
requires collateral

This could include items you own such as
Your vehicle
Housing fixtures
Using collateral can boost your approval chances and/or ability to secure a lower APR. Would you like to continue?