Terms of use

AvoidTheDebt gives estimates, not financial advice. It is not regulated debt advice and does not recommend any product, lender or course of action for your circumstances.

Estimates can be wrong

The plan relies on what you enter and on simplifying assumptions explained on our About and method page. Your lender's statements are the true figures. We are not responsible for decisions you make based on an estimate.

No product recommendations

The balance transfer test only compares an offer you already have. We do not recommend, introduce or receive money from any lender.

Paid products

If you buy anything from us, the price and refund terms are shown before you pay.

Questions: hello@avoidthedebt.com. Last updated November 2026.