Formed in 1998 in Irvine, California, CuraDebt brings 20+ years of experience in providing solutions to alleviate debt. Their counselors come from a diverse background, from financial planning and CPAs to business owners and more.
While their specialty lies in working with creditors to renegotiate debt balances, you can also look to CuraDebt for debt consolidation loans. CuraDebt has lending partners that offer loans specifically for consolidating debt, but requirements are a bit strict compared to competitors.
Who is CuraDebt Good For?
Their lending partners, for the best rates, require a credit score minimum of 700, a clean history of payments, nothing in collections, and $4,000 income a month. These debt consolidation loans are geared towards those with unsecured debt, like credit card debt.
If you don’t have these requirements, we still recommend that you speak with them for a free debt consolidation evaluation and to identify what the best solution will be for you.Free Quote
- Offers a variety of services
- Free debt consultation
- Well-established company
- Positive online reviews
- Not much information about debt consolidation loan on the website
- Must go through a consultation to learn more about debt consolidation options and fees
- Services not available in all 50 states
- Strict requirements on debt consolidation loan
- No cosigners for debt consolidation
While CuraDebt has an in-house team of counselors who provide a variety of services, securing a debt consolidation loan is provided by their partner lenders. You’ll need to schedule a free consultation where they’ll ask you more about your financial situation, like what kind of debt you have (credit card, student loans, etc) to determine the best solution and provide more details. They will also need to pull a credit report (no fee to you) to see if you qualify.
If they think debt consolidation is the best course of action and you meet the requirements, they’ll submit your information to their partner lenders. If they feel that other options will be better, they’ll explain why as well.
The best way to learn more about their services is to call them directly or fill out their Get Your Free Savings Estimate form on their homepage so they can get in touch with you.
You can also fill out the Free Consultation form on the Free Consultation page on their website. This form is quick and will ask how much you owe, if you’re behind on your payments, the state you live in, and your contact information.Free Quote
Terms & Requirements
There are different requirements depending on the service you choose, but below are the requirements for a debt consolidation loan with CuraDebt partner lenders.
- Must be a US citizen or permanent resident
- Must have a bank account and $4,000 monthly income
- 700 credit score minimum
- No late payments in the past two years
- Nothing in collections
- Loan amounts vary depending on the lender
- APR ranges from 8% – 18%
- Varies depending on the lender
Privacy & Security
CuraDebt is an accredited member of the American Fair Credit Council (AFCC) and is a certified member of the International Association of Debt Arbitrators (IAPDA).
You can quickly get in touch with a counselor at CuraDebt either by phone or by completing their short online form. When we reached out, their counselor was able to speak with us immediately.
CuraDebt also has a FAQ page that provides an overview of some commonly asked questions, like how much it will cost to have CuraDebt negotiate your debt with creditors (answer: 20% of the total debt amount enrolled).
The good thing about CuraDebt is that they’re a well-established firm, having been around for nearly two decades, and they have solid accreditations. Many companies touting solutions to alleviate debt can come off as a bit sketchy, but CuraDebt has generally positive reviews online.
While debt consolidation loans aren’t quite their specialty and the requirements are a bit strict, it may be worth scheduling a free consultation to see if debt consolidation is the best way to handle your debt, or if another one of their services is more suitable to your financial situation.
4000 Hollywood Boulevard, Suite 555-S
Hollywood, Florida, 33021Free Quote