Get out of debt while saving

Pay off your credit cards with a low interest rate Ophelia loan while putting money aside.


Do you have a credit card balance?

Is your credit card balance putting pressure on your wallet?
Are your paychecks evaporating with your monthly credit cards payments?
Are you having trouble putting money aside for your projects?
Stop paying unreasonably high interest rates;
Start taking charge of your own prosperity.
Manage your loans the smart way. Trust Ophelia, the debt repayment solution that helps you save.

Ophelia’s solution


Consolidate your credit cards with Ophelia at a reduced interest rate

Ophelia directly reimburses your eligible credit cards and you then have a single Ophelia loan to pay at a reduced interest rate. Our interest rates range from 14.50% to 18.25%.


Pay less per month

Your Ophelia payment will be smaller than what you pay on your credit cards. You will be able to keep the difference! Of course, we hope that you will put it in your emergency fund! But you do what you want 😉


Save without lifting a finger

With your Ophelia payment, we automatically put a portion of it into your Ophelia savings account. When everything is repaid, the savings are yours!

How are we able to offer you a reduced interest rate?

Credit Cards

With credit cards, each payment chips away at a portion of your balance, while tacking on quite a bit of interest. In order to mitigate the risk of nonpayment, credit cards require a fairly high interest rate.

Ophelia Loan

With an Ophelia loan, a portion of each payment contributes to your Ophelia savings which is kept in a secure account. This model allows us to offer you a highly competitive interest rate.

Welcome to the age of debt repayment that helps you save!

One payment, two services

The Ophelia Loan

Reduced interest rate

Gone are the days of credit cards with a 20% interest rate! Ophelia is here to set you up with a rate that fits your needs.

Flexible loan term

The duration of your loan will take into account your current financial situation in order to offer you a reduced interest rate with maximum savings.

Payments tailored to your budget

Ophelia adapts to your budget: your monthly payments will never exceed the amount you are currently paying.

The Ophelia Savings

Spend one, save one

Paying off your debts is important, but putting money aside is doubly so. Once your Ophelia loan is paid off, you will gain access to everything you’ve saved!


Save money with your eyes closed! A portion of each loan payment will go right into your Ophelia savings account.

Financial discipline

Ophelia is your new way to put money aside for life’s most important moments.