For permanent life insurance owners

Your cards charge 22%
Ours can cost as little as 1-2%

Refinance your card debt against your life insurance cash value. No hard credit pull, no fee.

~7-8% stated · 1-2% effective

Run your specific numbers

Card balance, APR, and the cash value in your policy. Sixty seconds. No credit pull.

$15,000
$1,000$50,000
22%
12%30%
$30,000
$5K$75K
Your $30,000 cash value covers your full $15,000 balance. You could refinance all of it.
Works with major permanent life insurance carriers.
5-year savings vs your card
Card at 22%$16,500 interest
lessr card · ~7-8% stated$5,625 to lessr
You'd save$10,875
~7-8% stated·as low as 1-2% effective
You'd save$10,875
on $15,000 refinanced at 22% APR · simple interest, illustrative
Right now you're burning $275/month in interest alone. Through lessr, that drops to about $94/month.
Your cardlessr card
Stated APR22%~7-8%
5-yr interest you pay$16,500$5,625to lessr
Dividend your policy keeps earning+$4,125stays invested
Effective cost22%~1-2% after dividend*

Three steps
No agent
No credit pull

Refinance to the lessr asset-backed card,
or borrow directly from your carrier.
You pick the path that fits.

You tell us your card balance, APR, and cash value

Sixty seconds, no credit pull.
We use it to show what refinancing actually saves you.

We show your savings on the lessr asset-backed card

Refinance at a ~7-8% stated rate, but as low as 1-2% effective,
because your policy keeps earning its dividend while it backs the card.
No hard pull. (Illustrative; depends on your dividend rate.)

Prefer to borrow directly from your carrier?
We'll point you to how

Note: a Direct Recognition carrier cuts the dividend, raising the effective cost.
You pick the path that fits. Funded in 5-7 business days.

The honest table

Five ways to refi $15K of card debt

Each option costs you something. Here's what each one actually costs: rate, fees, time, and what's on the line.

OptionAPRUp-frontTimeCredit pullCollateral
Stay at card22%$0None
Balance transfer0% intro / 22% after3-5% fee1-2 weeksHardNone
HELOC9%$300-$1,5003-6 weeksHardHome
Personal loan12-25%0-8% fee1-3 daysHardNone
Carrier policy loan~5-8% stated*$0variesSoftPolicy
lessr asset-backed card~7-8% stated→as low as 1-2% effective$05-7 daysSoft onlyPolicy

lessr's effective rate nets the dividend your policy keeps earning against the ~7-8% you pay lessr. Illustrative, depends on your dividend rate, not guaranteed. Dollar figures run at the stated rate. *A carrier policy loan's effective cost depends on your carrier (a Direct Recognition carrier cuts the dividend, raising the effective cost). Confirm it with their policyholder line. Card, HELOC, and personal loans leave no asset earning, so they carry no effective-rate discount.

Things people ask
before they apply

No. The lessr card and the underlying loan workflow run without your agent. Your agent isn't notified unless you choose to tell them.
While there's a balance on the card, your policy's death benefit is reduced by the outstanding balance. Pay the card down, the death benefit returns to full.
A policy loan is not income to the IRS. As long as the loan stays outstanding and the policy stays in force, no tax event. The exception is if the policy lapses with a balance outstanding. That can trigger tax on accumulated gains. We surface lapse risk before you commit.
Cash value usually grows over time, but it can drop on UL/IUL/VUL policies if the underlying performance is poor. If the loan-to-cash-value ratio approaches 90%, we send a notification. Paying down the balance or adding premium resolves it.
lessr never touches your policy, so its cash value keeps earning its dividend the whole time it backs the card. You pay lessr a stated ~7-8% rate; netted against that continuing dividend, the effective cost can fall to as low as ~1-2%. Illustrative, not guaranteed, and dependent on your carrier's dividend rate, which the carrier sets and can change. (A Direct Recognition carrier, by contrast, cuts the dividend on the borrowed portion, raising your effective cost.) The lessr card is also a revolving line you draw and repay as you like, not a one-time disbursement, with no agent in the loop.

Get your
savings estimate

We'll pull your carrier's specific rate
and show you what the math looks like on your balance.
About 3 minutes.

1The basics
2Your debt
3Your policy