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This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website. These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.

Debt.com Review

Jessica Cotzin Jessica Cotzin Last update:
Minimum debt
$10,000
Credit Score
Poor +

Overview

As its name suggests, Debt.com is a company that specializes in debt solutions like debt consolidation for those facing high interest credit card debt.

They’re a team that includes certified credit counselors, financial experts, and veterans in the industry that help guide individuals to the right debt solution for credit card debt, student loan debt, tax debt, credit repair, and more.

While they’re not a direct lender themselves, Debt.com works with a network of reputable lenders offering debt consolidation and other debt solutions for various financial situations. Consumers must have a minimum debt load of $10,000 to work with Debt.com.

This is a great option for those looking to quickly compare quotes from various lenders offering debt consolidation loans. You can fill out a short pre-application on Debt.com to get immediate quotes that include the loan amount, APR, and lender information.

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Debt.com Pros

  • Free consultation and budget analysis to find the right solutions.
  • Large network of trustworthy lenders and DR partners.
  • DR solutions are personalized for your specific financial situation.
  • A+ accreditation from BBB.
  • Offer a debt calculator, education blog, and other resources.

Debt.com Cons

  • Not available in all 50 states.
  • Not guaranteed to decrease debt.
  • No information available on their website about their partners.
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Application Process

To see what kind of debt consolidation loans are available to you, visit their website and click on “Debt Consolidation” to get started with their preliminary application, which will only take a few minutes to complete.

You’ll be asked the following details:

  • Select a loan amount between $1,000 and $50,000
  • What your estimated credit score is
  • Employment status
  • Annual pre-tax income
  • If you want to add a co-applicant and what their income is
  • If you rent or own a home and time living at this residence
  • Contact information (name, address, and phone number)
  • Date of birth
  • Social Security Number

After you submit your information, you’ll get matched with top lenders which will include the approved loan amount, APR, and terms. From there, you can compare quotes and choose the loan that’s best for you.

Once you select a loan, you’ll be directed to that lender’s website where you’ll be required to fill out some additional information, like pay stubs to verify income.

For borrowers open to other debt solutions, you can call and immediately speak to one of their representatives who will ask you some questions about your financial situation to find the best debt solution that fits your needs.

Terms & Requirements

Below are the terms and requirements for Debt.com’s debt consolidation loans.

Requirements

  • Must have verifiable income
  • No credit score minimum to apply
  • Minimum debt load of $10,000 required
  • To qualify depends on your entire financial profile, including income, debt ratio, and credit score, but qualifications can vary depending on the lender
  • Fees vary depending on the lender
  • Borrowers must be a US citizen

Privacy & Security

Debt.com has an A+ with the BBB and has facilitated over $850 million in debt resolved since 2013. They work with only reputable lenders who are required to adhere to their Code of Ethics, which includes maintaining the appropriate licenses and permits as a lender, charging fees allowed by law, and safeguarding private and confidential personal and financial information.

Customer Support

You can get in touch with a representative from Debt.com via phone, online contact form, or email. Unlike other debt solution companies, Debt.com offers a variety of online tools to help borrowers, like a debt calculator, a financial blog, and FAQs pages about different debt-related topics.

Since Debt.com is a marketplace and does not issue loans themselves, communication with Debt.com will cease once you move forward with a loan application from one of their partner lenders.

Final Thoughts

While Debt.com doesn’t offer debt consolidation loans directly, they do have a large network of reputable lenders offering this product and other debt solutions.

Like most marketplaces, you can easily submit a short online form to get debt consolidation loan quotes from their partner lenders. Debt.com offers competitive rates, but those with the strongest credit score and financial profile will receive the lowest rates on their loan.

Address

5769 W. Sunrise Blvd. Plantation, FL 33313

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Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website. These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Jessica Cotzin Jessica Cotzin
Jessica Cotzin is a writer and the Lendstart authority on small businesses and personal loans. She has been writing about personal finance and the loans industry for a number of years, and holds a bachelor’s degree in journalism from Florida Atlantic University.
This review is based on the writer's personal opinion.