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We evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.
Debt Relief is more important now than ever before. Across the country, millions of people are finding it more and more difficult to meet their financial obligations. As mortgage interest rates rise, Adjustable Rate Mortgage (ARM) payments skyrocket. Credit card late fees continue to climb higher. Lenders keep offering credit to people who are in desperate need of help, but this only prolongs the problem, and often ends up simply increasing the total debt owed by a person.
Thankfully, there are a number of opportunities available if you find yourself in this situation. Debt Negotiation, Debt Settlement, Repayment plans, and Debt Consolidation are just some of the options you can pursue. However, not all debt relief companies and plans are the same. You need to find the right debt relief solution, and just as importantly, the best debt relief company, to work with in order to address your financial needs.
Monday, July 14th
National Debt Relief specializes in creating custom financial solutions for customers with $7,500 or more in unsecured debt. They take a proven, thoughtful approach in developing their personalized debt relief plans, and have helped over 500,000 customers get out of debt since 2009.
Friendly, professional experience
Debt consolidation shoppers can expect a professional experience when doing business with National Debt Relief. This starts with an informative and customer-friendly website that helps you understand the financial solutions available at National Debt Relief before speaking with a consultant.
Free consultation
To start, you simply fill out their online form or call their dedicated debt help line at (800) 516-1462. You'll discuss your financial situation with one of their certified debt counselors, who will walk you through a free debt analysis. Their staff is knowledgeable and friendly, and together you will create a plan to pay off your debts for less than you owe. Best of all, you can get started on your plan with no upfront fees.
Expert analysis
The professionals at National Debt Relief are experts at debt settlement and debt negotiation. They have many debt settlement letters proving how they've saved their customers thousands of dollars. Of course, the amount of savings can vary from customer to customer based on a variety of factors. Once you create your custom debt relief plan with them, they'll be able to tell you how much you can expect to save in your situation.
100% Satisfaction Guarantee
One of the things we liked about National Debt Relief is that they've earned an "A+" rating as an accredited business with the BBB. Part of this rating is due to their 100% customer satisfaction guarantee. If you're not happy with their service, you can cancel at any time without penalties or fees. This is another strong feature that separates National Debt Relief from most other debt relief companies.
Highest rating
For people suffering under a large amount of debt, National Debt Relief is a fantastic option. Their knowledgeable, friendly approach has a proven track record of success, while their strong BBB rating and satisfaction guarantee confirms their focus on the customer. If you want to get out from under the debt load you're facing, National Debt Relief ((800) 516-1462) is a great place to start. They earn our highest rating.
TurboDebt is one of the newest options on our list of debt consolidation options. Opening its doors in 2020, they're the fastest-growing debt relief company we found, with over $15 billion in settled debt and over 500,000 enrolled clients nationwide.
Partner with major players
The first thing you need to understand about TurboDebt is that they're not a debt consolidation company in the traditional sense. Instead of offering you a debt relief program that they've developed in house, they partner with major debt consolidation companies who specialize in those programs. With a variety of companies and programs in their arsenal, they can refer you to the right company and program that makes the most sense for your particular financial needs.
Getting started is easy
Getting started with TurboDebt is easy. Simply use the slider on the page to show how much debt you currently have, and press Continue. The next page will ask whether you're currently paying on your debt. Depending on these answers, you also may be asked whether you have any unpaid taxes or unfiled tax returns. At this point TurboDebt determines whether you might quality for debt relief. If so, enter your contact information and they'll reach out for your free initial consultation.
Free consultation
When TurboDebt contacts you, they'll want to know your unique financial situation. Their credit counselors are friendly, and they walk you through a number of simple questions. How much debt do you have? What types of debt does it include? Are you current on your payments? What is your income? All of these factors help them identify the right partner and program that can best meet your needs.
Types of debt
There are essentially 2 kinds of debt people can have: secured debt vs unsecured debt.
Thinking bankruptcy? Think again.
Sometimes, desperate people think bankruptcy could be a solution to their financial situation. TurboDebt does not provide bankruptcy services, although they may be able to recommend a local bankruptcy attorney in your area. But that should really be your last resort. For example, in bankruptcy you may be required to sell many of your assets to pay off your creditors. You'll take a big hit on your credit score, and your bankruptcy can follow you for up to 10 years - making it hard to get a house, a car, or even a job. You also may be required to meet with the people you owe money to, and live under a court-ordered budget for up to 5 years. And that's just for starters. Compared to this, a program where you could be debt-free at the end is absolutely worth pursuing.
Approximate savings
How much can you save with TurboDebt? That's a great question, and is different for every person. If you're able to stay with the program and get all of your debt settled, TurboDebt claims a savings of 46% before fees (or a net savings of 25% once their fees are factored in). Many of their clients become debt-free in 24-48 months. Of course, your specific savings and timeframe will vary based on your financial situation; the TurboDebt credit counselor you talk to should be able to help with an accurate assessment.
Positive customer reviews
One of the best things we like about TurboDebt is their customer satisfaction. First off, in a relatively short time they've earned an impressive A- rating from the BBB. Secondly, they have a 4.9 rating on Trustpilot with over 7,500 5-star reviews, and a 4.8 rating with over 2,000 reviews on their Google business page. That may be why they're the fastest growing debt relief service today. Finally, the customer comments we've seen about their service are very positive. From fee transparency and friendly credit counselors, to positive experiences - such as one customer who went from being $84,000 in credit card debt to being debt free in just 8 months - people have a lot of good things to say about TurboDebt.
High rating
Although they're a relative new player in this space, TurboDebt has a lot of good things going for it. Their website is intuitive and easy to use. In less than a minute you can step through their questions to determine whether you're eligible for debt relief. Their initial call is free, and their credit counselors are knowledgeable and friendly while they get to know you and your financial needs. They have a strong reputation with the BBB, and thousands of customers who praise their service. If you're looking for help with your debt situation, TurboDebt stands ready to help and they receive one of our highest ratings.
Upstart is a company founded by former Google employees that utilizes artificial intelligence (AI) to help everyday people unlock mobility and opportunity through affordable credit. They can offer higher approval rates from their bank partners, which translates into a greater chance you'll be accepted for a loan.
More than just your credit history
The application process with Upstart starts out fairly standard: you select the purpose of your loan, the amount you'd like to borrow, your contact information, and your birthdate. From there, the questions get a little more unique compared with other personal loan providers. What's your highest level of education? Where did you go to school, what did you study and when did (or will) you graduate? How much money do you currently have in bank accounts and investments?
Calculating risk
Upstart asks these types of questions because they calculate risk differently from most lenders, taking your educational background and earning potential into account when determining your eligibility for a loan. Although educational information is collected as part of Upstart's rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan. As their About Us page says, "four in five Americans have never defaulted on a credit product, yet less than half have access to prime credit. With a smarter credit model, lenders could approve almost twice as many borrowers, with fewer defaults.” In other words, Upstart is trying to make consolidation loans - and credit in general - accessible to more people and at a lower risk to the financial institutions that provide it.
Elgibility criteria
There are some eligibility requirements here than you might not find elsewhere. For example, you should have a minimum credit score of 580 - however, if you don't have sufficient credit history to produce a score, you can still qualify for a personal loan through Upstart. You also can't have any bankruptcies or accounts currently in collections, past due or delinquent, or that have been wholly charged-off in the last three years. You'll be found ineligible for a loan if you have more than 6 inquiries on your credit report in the last 6 months - but that doesn't count any that are related to mortgages, vehicle loans, or student loans. Again, this is part of how Upstart measures risk, so that they can make consolidation loans available to more people.
Loans up to $50,000
Depending on your state of residence, you could receive a loan anywhere from $1,000 to $50,000. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Loans are not available in West Virginia or Iowa. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5100. The minimum loan amount in GA is $3,100.
Competitive interest rates and loan terms
What rates and terms can you expect when taking out a personal loan through Upstart? All loans funded through this service have a repayment term of either 3 or 5 years. While they advertise a range of interest rates, we found them to be very competitive with other lenders in the industry. Upstart's origination fee ranges from 0-8% of the loan amount, and is deducted from the proceeds of your loan. In other words, if you request a $10,000 personal loan and you're charged an origination fee of 3%, you'll get $9,700 deposited to your bank account.
Get your money fast
If your application is approved and you accept your loan terms, you could have your loan money deposited by the next business day. If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
Very high customer satisfaction
Upstart seems to be doing quite well with customer satisfaction. The company has an "A” rating and accreditation from the Better Business Bureau, but even more impressive is the fact that with over 8,500 client reviews, 99% of them gave Upstart a rating of 4 or 5 stars. Consumers said that their experience was simple, easy, and straightforward, and many people expressed their delight at having loan funds deposited within a day.
High praise
There's a lot to like about Upstart. It's refreshing to see a lender that looks at your big picture as a borrower, including your education and employment potential when determining if you're a good candidate for a personal loan. And, there's no arguing with Upstart's loyal fanbase of happy clients. We're very impressed with what we see here, and we're sure you will be too.
CuraDebt got its start in 1996 in Irvine, California and has helped people nationwide with a variety of financial issues: debt relief, tax resolution, and many others. Currently headquartered in Hollywood, Florida (not California!), the company offers a free initial consultation with no obligation to sign up for paid services. More than 180,000 people have successfully used CuraDebt to take care of their unsecured debts.
Many different types of debt are eligible
What kind of debts do you have? CuraDebt can probably help with most of them. Their list of debts available for relief includes credit cards, IRS debt and back taxes, personal loans and lines of credit, business debts, medical bills, and collections/repossessions. In special cases, they can also help with lawsuits and student loans. The only kinds of debt that CuraDebt can't help you manage are utility bills, mortgage or home loans, auto loans and government loans.
Helpful info after registering
To see what CuraDebt can do for you, click the button that says "Get a free savings estimate”. Then use the slider to indicate your debt amount - it'll need to be at least $5,000 to be eligible, even though the slider goes down as low as $1,000 - and then select your state of residence. Provide your name, email address and phone number, and you'll be taken to a helpful intro video that explains more about their debt relief program. We like that potential clients have a hassle-free way to get some background information before speaking with a credit counselor. Settle in, though, because the video is 30 minutes long!
Call directly or wait to be contacted
From there, you can either call the toll-free number provided, or wait for a CuraDebt senior counselor to reach out to you. You'll receive a free consultation to review your financial situation. CuraDebt recommends that you have your credit score available prior to your phone meeting - which you can get through the link on the CuraDebt site. You also may be able to access if online from your bank account or a credit card provider.
Variety of debt relief solutions
Your advisor will work with you to design a personalized solution to your debt. The strategies used by CuraDebt may include debt consolidation, debt negotiation, debt settlement, and tax relief, depending on your circumstances.
No fees until debts are settled
What will it cost? CuraDebt charges no fees until a debt has been settled, and those will depend on how much debt is consolidated or discharged. Generally speaking, however, you can expect a savings of approximately 50%, with a net savings of around 30% after CuraDebt's fees are deducted. The process usually takes anywhere from 24-48 months to complete.
Lots of praise from clients
CuraDebt continues to have a positive reputation. Although the BBB hasn't yet accredited the company, they still give it an "A+” rating. Even more impressive is the nearly perfect 4.97 out of 5 stars average across all of the reviews left at the BBB. People have praised their counselors as friendly and knowledgeable, and that the debt relief process went exactly as expected with the promised results. Consumer reviews elsewhere confirmed that impression, with over 900 5-star reviews and lots of support for CuraDebt's services.
Check out how much people saved
If you really want to have some fun, go to the Results tab and browse the actual letters from clients to see their settlement amounts. Would you like to only pay $1,267 on a balance of $6,332.61 at Capital One? How about $1,244.49 on a balance of $12,444.96 at Chase Bank? We would! Those results are legitimate and can go a long way towards helping you get on solid financial ground again.
Smaller-than-average service area
One downside is that CuraDebt isn't available to all residents of the US. Since our last review, more states were added to the list of areas they don't serve, going from 11 up to 16. Those states include CT, HI, ID, KS, LA, ME, MT, NH, NV, OR, SC, TN, UT, VT, WV and WY. Unfortunately, that means that now there are even fewer people who can take advantage of everything CuraDebt has to offer. There are other debt relief companies that work in all 50 states.
Super option - if your state is eligible
CuraDebt has everything you could want in a debt relief company. They're transparent with all of the ins and outs of their service and have a proven track record for helping clients with almost every type of debt. It's too bad that with their limited area, not everyone can take advantage of this fantastic debt relief program.
Credit.org has a stellar reputation spanning more than 45 years in operation. Also known as Springboard Nonprofit Consumer Credit Management, this service offers non-profit financial coaching for a wide range of credit and debt concerns, including housing (foreclosure, reverse mortgage, pre-purchase), bankruptcy, student loans, and debt relief. The BBB rates credit.org as an "A+" accredited business across all of the services provided. Additionally, credit.org is accredited by the National Foundation for Credit Counseling (NFCC).
Many services are free
One of the most compelling reasons for considering credit.org is that many of their services are free of charge. For example, here's what you get when you choose to use their Debt and Credit Coaching:
Funded by donations and grants
Yes, you understood that correctly: you'll pay absolutely nothing to use credit.org's phone coaching for these services. Because this service is funded by donations and government grants, you are able to access a wealth of support at no cost to you.
Monthly fees for traditional services
Now, that's not to say that everything is free when you use credit.org for debt relief coaching. For example, if you're looking for a more traditional debt management plan - to help you pay off your debt faster, reduce your interest rates, create a realistic budget, consolidate payments, and/or stop collection calls - you may pay a small enrollment fee along with monthly service costs.
Actual costs depend on your personal factors
What are those fees? They vary according to a number of factors. After our investigation, we can tell you to anticipate an enrollment cost of around $35 and monthly fees up to $20. Your exact costs will depend on the state where you live, your personal situation, and whether you qualify for a reduction or waiver of your fees due to hardship. Unfortunately, we couldn't find specifics from credit.org about their eligibility requirements for those reductions/waivers.
Great reputation
We really appreciate that credit.org has so much to offer at no charge. And, for many consumers, some knowledgeable, friendly coaching may be all they need for debt relief - to identify the best steps to take next and the ideal resources to get them there. Plus, credit.org's fantastic reputation over nearly 5 decades is a huge advantage in an industry where it seems like some new financial or debt service is always popping up. For their wide range of services, including free coaching for consumers, credit.org earns very high marks and is worth your consideration.
LendingTree is part of a large financial brand family that also includes Ovation Credit Services, Student Loan Hero, and QuoteWizard. Each brand focuses on specific financial services, and LendingTree gives you access to borrowing options for mortgages, auto loans, and, of course, loans to help you get out of debt.
Broad database of lenders
One nice thing about LendingTree is their extensive lender database. This site makes it extremely easy to learn about any lenders who make you a loan offer, from company history to hundreds (if not thousands) of client reviews. That's important, because LendingTree has financial partners you've probably never heard of - and reading through their detailed reviews can give you a good picture of who might be financing your loan.
Basic application process
How do you get started with finding a personal loan through LendingTree? That's easy: first choose the purpose of your loan, such as debt relief or a major purchase, in the dropdown box, move the slider to the amount you're requesting, and indicate how quickly you need the money (anywhere from "within 48 hours” to "unsure, just browsing rates”). From there, you'll be asked for your address, your credit score range, your birthdate (to verify your identity), pre-tax income, and several other basic questions.
MyLendingTree account benefits optional
Pay attention to the last step of the account-creation process: you'll be asked if you want to include a free My LendingTree account, which comes with complimentary credit monitoring and monthly score reports, dark web monitoring, and more. You'll automatically be enrolled into this service if you don't uncheck the box.
See up to five lender offers
The next screen will provide you with any loans offered by LendingTree partners, assuming your information was able to be verified. Click on the loan offer that best meets your needs, complete any lender requirements, and you're on your way to getting your funds. If you aren't matched with any loans, you can expect to get recommendations for budgeting tools and other debt relief services.
Thousands of customer 5-star reviews
LendingTree has a strong positive reputation over more than two decades in operation, including accreditation and an "A+” rating from the Better Business Bureau. Out of nearly 10,000 independently-verified reviews, the company received over 7,600 perfect five-star ratings from customers.
It's not all princes and fairy tales
Be aware that this platform has its share of complaints, too. Many customers have reported a spam-like volume of calls, emails, and texts throughout the day. Some report still getting calls for weeks or months after applying for a loan through LendingTree. We think they can do a better job setting limits with their funding partners with regards to customer contact.
Strong choice for getting multiple loan offers
If you want an easy way to compare loan offers from multiple financial institutions, LendingTree is a strong choice. The service is simple to use and with their lending network they have a good chance to offer you a loan that fits your needs.
Reach Financial, formerly Liberty Lending, is relatively new to the lending industry - but they're making a big splash. Based in New York, this company aims to simplify the debt consolidation loan process. They offer an easy-to-complete online application, loans with fixed rates and no prepayment penalties, and the ability to access funding in as little as one business day once a loan is approved by them and accepted by the borrower.
Focus on getting out of debt
Right out of the gate, the process of getting a loan through Reach Financial is a little different than their competitors. When you start by clicking on the "Get my offer” button, the first question you're asked is how much debt you have, ranging from $3,500 to $40,000. Most lenders ask how much you'd like to borrow first. This is one sign that shows their focus is on helping customers get out of a debt problem they already have.
Soft pull of credit history required
From there, you're asked to provide your name, email address and phone number; the following screen requires your street address, date of birth, and Social Security number. You'll also have to specify your primary source of income and net amount, as well as your monthly housing payments. Finally, you choose a password and authorize Reach to run your credit report. When you submit your application, Reach Financial says that your credit score will not be impacted by getting a consolidation loan quote.
Missed expectations
We were a little disappointed that Reach Financial provides no detailed information about their loans until after you complete their quote process. For example - what are their lending limits? What are their typical interest rates and repayment terms? While they do state that all their loans are fixed-rate and don't have prepayment penalties, we wish they shared more information upfront so we would know what to expect.
More digging gets more information
Since we didn't have much information to go on from the Reach Financial website, we rolled up our sleeves and went to work on other avenues. We were able to confirm that Reach Financial provides loans up to $40,000, and their payback range terms anywhere from 2 years to 5 years out. On average, their interest rates may be a little higher than some other lenders - but their rates will vary according to your personal circumstance, and you're guaranteed they won't increase.
Solid reputation with customers
We were impressed with the reputation that Reach Financial has garnered. The company maintains an "A+” grade and accreditation from the Better Business Bureau, and we found only three registered complaints within the last 3 years. There were numerous 4- and 5-star reviews on the BBB listing for Reach Financial: customers said that their representatives were courteous and knowledgeable, that the loan process was smooth, and that they had no trouble getting help whenever they needed it.
Strong choice, with room to improve
Reach Financial has built a very good reputation in a short period of time. In the lending industry, that's pretty impressive. We wish there was more transparency with regards to their loans and process, but still this is a solid company with a strong customer focus. If you're in search of a loan to help relieve your debt, Reach Financial is worth your consideration.
SoFi wants you to get your money right, reaching financial independence so you can make your ambitions a reality. And, with over two million members and $50 billion in funded loans, this service is absolutely helping people like you accomplish that. While you can definitely use SoFi just for a debt relief loan and nothing else, you may want to take advantage of their additional products and tools that can give you guidance for attacking your debt with a plan, building and maintaining a safety net, putting your money to work, and even saving for retirement or other goals.
A few unique questions in application process
To apply for a loan from SoFi, you first enter your name, state of residence and email address to create an account on their site. Next, you put in the desired loan amount (from $5,000 to $100,000) and click on the category that matches your intended use of the funds. We like the next question: "What monthly payment amount works with your budget?” You can enter any number between $150 and $500, or skip it altogether. The remaining questions help SoFi to verify your identity; otherwise, you'll be asked for your Social Security Number if they can't match your credit history to the details you provided.
Big perks you won't find elsewhere
SoFi has some huge perks compared with many financial institutions offering debt relief loans. Their interest rates are generally lower than what you'll find elsewhere, with an added deduction if you set your repayments to automatically come out of your bank account each month. Better yet, the APRs on SoFi personal loans have zero origination fees - good luck finding that with other lenders!
Look for sign-up bonus promotions
There was even a promotion in place at the time of our most recent visit to SoFi: a $10 credit for simply checking our offered rate on a loan, and a $300 cash bonus if our loan was funded. Hey, if credit cards can offer sign-up bonuses, why not providers of loans too?
Disappointing downturn in overall customer satisfaction
However, we were disappointed to find out that in the time that has passed since our last evaluation, several of SoFi's rivals have done a better job of keeping clients happy. In fact, even though the BBB gives them an "A+” rating, Sofi's listing there says "this business receives a high volume of complaints”. That's not good. Looking at nearly 2,500 independently-verified reviews elsewhere, SoFi comes in with a disappointing 3.2 out of 5-star average, and less than 80% of their reviewers would give the service a perfect score.
Customer service needs improvement
The biggest complaints we found described frustrating challenges getting ahold of anyone in SoFi's customer service department - and the resulting long timeframes for resolving issues. If you need funds quickly, or if you have any problems with your personal loan, you want to know you'll get a prompt, professional response. Unfortunately, SoFi has some work to do in that regard.
Still worth considering
SoFi has a lot to offer: you'll find low interest rates on your loan. But, there's more to the story, and customer complaints tell a tale that leaves us feeling more than a little disappointed. We really hope to see an upswing in customer satisfaction in the near future, because SoFi has previously been a great option for loans.
SuperMoney provides a comparison platform across a wide variety of financial services, from debt relief loans to banking. In business since 2013, this company has helped people make smart decisions with their money by providing objective and transparent information. SuperMoney has been featured by Huffpost, Forbes, Yahoo! Finance, Business Insider, and many other publications.
Your information is kept private
One aspect of SuperMoney that we absolutely love is their promise not to sell applicant's data off to the highest bidder. If you've applied for a loan through a referral platform before, you're already familiar with the endless number of solicitations that followed: phone, text, email, even regular mail. The way SuperMoney avoids all of that is by integrating their site directly with their lending partners, letting you compare your options with full transparency and zero pressure.
Just over a dozen network lenders
Another big plus is that there's no guessing who SuperMoney includes in their financial network: most of the lenders are listed right on their main page. The full list of lending partners is available on SuperMoney's Personal Loans-specific page, and you can read client reviews without even applying. They don't have as much borrower feedback as some of their rival referral services, but it's still a good resource.
Simple, standard application questions
Your process begins when you click on "Get Competing Offers” and choose the category that best fits the intended purpose of your loan, from everyday expenses to major life events and debt relief. Move the slider to indicate the amount you owe or would like to borrow (depending on the loan category you selected), then use the next slider to enter your credit score. The next questions ask you about your employment status, whether you own or rent, name/address/birthdate, and finally your Social Security Number (all to verify your identity and do a soft pull of your credit history). Before you're taken to your offers page, you'll need to create an account with SuperMoney.
Will still have to complete application with chosen lender
Once you've reached your loan offers, you're given the option to finalize the application process on the lender's website. That could mean you have to take a few extra steps to complete your loan application, as opposed to going directly to one of those partners' sites, but the additional legwork might be worth it if it lets you compare your options first.
Limited - but positive overall - client feedback
We're not sure why SuperMoney couldn't be found in the listings at the Better Business Bureau, given how long the company has been around. We were able to find just over 200 reviews elsewhere, and an impressive 96% of those gave the service a perfect five-star rating. Granted, not all of those reviews were specific to consolidation loans, but it's a great sign that SuperMoney delivers what it promises.
Good for doing research, better options out there
Should you use SuperMoney to do research before choosing a debt relief loan? Sure, why not? You'll get valuable information that might help you pick a loan and a lender that's right for you. Compared with other lenders, however, SuperMoney doesn't have a reputation that's as well-established. Plus, many of their lending partners are also referral platforms, which could have you jumping through all of the same hoops a second time. SuperMoney is good - but not quite great. We hope to see continued progress from them in the loans marketplace in the future.
Upstart Disclosure
(1) Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Loans are not available in West Virginia or Iowa. The minimum loan amount in MA is $7,000. The minimum loan amount in Ohio is $6,000. The minimum loan amount in NM is $5100. The minimum loan amount in GA is $3,100.
(3) The full range of available rates varies by state. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 22.00% and 60 monthly payments of $25.03 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $15,018 including a $600 origination fee. APR is calculated based on 5-year rates offered in the last 1 month. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
(4) If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
With all the debt-related offerings available, it can sometimes be confusing when examining the different debt relief programs and companies. When comparing your debt relief options, there are a number of important features you should consider. Some of these include:
TopConsumerReviews.com has reviewed and ranked the best debt relief programs available today. We hope these reviews help you in your quest to become debt-free!
