For over four decades, we’ve helped clients exit unwanted leases, refinance high-interest loans, and consolidate debt — even when the banks said no. Whether you’re an individual or a small business, we provide real solutions that fit your life. With personalized guidance, flexible private lending, and honest service from start to finish, Carly Consulting is committed to your financial relief.
We help you navigate the complicated process of ending auto leases or high-interest car loans — with no banks involved and no judgment. Whether you’re stuck in a long contract or need better payment terms, we’ll craft a practical solution that puts your finances back in your control. At Carly Consulting, we do the heavy lifting so you can move forward stress-free.
We don’t just promise solutions — we deliver results you can feel. Whether it’s getting out of a lease, lowering loan payments, or restructuring debt, our clients walk away with less stress and more control. At Carly Consulting, our success is measured by how confidently you can move forward. Every percentage point here represents peace of mind we’ve helped restore.
When Adam lost his job during a career change, his luxury car lease became unsustainable. We worked with equity lenders to transfer the lease and avoid early termination penalties — saving him over $6,000 in future payments.
Marina, who runs a catering business in North York, was juggling three car loans across her fleet. We helped her consolidate those into one low-interest loan, freeing up over $800/month in cash flow.
For every client we help, there’s a story of financial relief and regained control. Whether it’s a smoother exit from a lease or a complete debt restructuring, our work delivers results that matter. Here’s a look at what success looks like with Carly Consulting by your side.
"Carly Consulting helped me get out of a lease I thought I was stuck in. The whole process was smooth, fast, and completely stress-free. I didn’t think I had options until I called them."
Improved Monthly Savings After Lease Exit
“I refinanced a high-interest car loan through Carly and saved hundreds a month. They explained everything clearly and followed through every step. Great team!”
Saved Over Loan Term
“I was drowning in debt from multiple vehicles and credit cards. Carly Consulting helped consolidate everything into one loan — and I could finally breathe again.”
Debt-to-Income Ratio Improvement
We know the world of lease cancellations and debt relief can feel overwhelming. That’s why we’ve made it simple. Below are some of the most common questions we get from clients — and if you don’t see yours here, just get in touch. We’re always happy to help.
We specialize in auto lease exits, car loan refinancing, debt consolidation, and private equity lending. Whether you're an individual or a small business, we tailor each solution to your financial needs.
Yes. We work with private equity lenders who don’t rely on traditional credit scores or bank criteria. If the banks have said no, there’s still a good chance we can help.
In many cases, we can complete a lease exit or refinance in just a few business days. Timing depends on your unique situation, but we always act quickly and keep you informed throughout.
No. Your first consultation is completely free and there are no upfront fees to review your situation. We only move forward if you’re comfortable with the solution we propose.
It depends on the route we take — but in most cases, our goal is to improve your financial standing, not hurt it. We’ll always explain the credit impact (if any) before you decide.
One of our consultants will reach out directly to learn more about your situation. There’s no pressure or obligation — just a simple conversation to see how we can help.
Whether you’re looking to exit a lease, refinance a loan, or explore debt relief options — we’re here to help. No pressure, no sales pitch. Just honest advice from someone who understands your situation and is ready to find the best path forward.
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