Last updated: March 15th, 2023
Debt.com is a FREE financial education and referral website. Debt.com provide consumers with various debt relief product referrals. The offers that you are matched up with are from third party providers, which may include debt management companies, debt settlement companies, other debt relief providers, and/or attorneys/law firms that we may have a referral relationship with and from whom we receive compensation for said referrals. We highly recommend that you shop around and compare services and costs with other companies and perform your own due diligence, especially since consumer’s experiences with companies can change over time, and different consumers require different approach.
While we do not charge fees to the consumers for our financial educational information or the referral introduction which we make, we may be compensated for the following:
- Marketing tax resolution, debt relief services, credit correction, student loan, consumer law services such as FDCPA and bankruptcy assistance;
- Ads served through companies such as Google (We don’t totally control all of the specific ads that appear on our site);
- Referrals to services that help consumers with tax resolution, credit correction, student loan, consumer law services such as FDCPA and bankruptcy assistance and that may negotiate settlements on their debts.
Debt.com is not a law firm, we are not attorneys, and we don’t provide legal advice. Debt.com is an educational website which provide a referral service for various debt relief services. As always, we encourage you to do your homework and check out various service providers and companies before you choose to contact with them. If you are already working with an attorney, we urge you to ask them your questions. After all, they will be familiar with your situation and the applicable laws in your state.
We hope that you find Debt.com helpful in your efforts to get a fresh start.
Personal Loans Advertiser Disclosure
The Personal Loan offers that appear on this site are from companies or affiliates from which Debt.com may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Debt.com does not include all Personal Loan companies or all types of offers available in the marketplace, and you may find more fitting offers elsewhere.
Personal Loan Providers determine the underwriting criteria necessary for approval, Debt.com does not have any influence or control over the Personal Loan Providers determination and decision. You should review each Loan Provider’s terms and conditions to determine which loan works best for you and your financial situation. All reasonable efforts are made to provide and maintain accurate information, however, Debt.com cannot guaranty that all information provided is complete or accurate as Debt.com depends on the information it receives from Loan Providers with whom it affiliates. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s or affiliates discretion. There is never a guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms that were shown. Debt.com shall not be liable for the inability to receive a loan at the rates and fees shown, or the denial of any loan approval request.
Once you are referred to a Loan Provider representative, please be sure to speak with your representative about the actual term and rate to which you may qualify based on your credit history and ability to repay the loan. Lenders and Loan Providers may charge an origination fee, and the amount of the fee may very between lenders. Be sure to ask up front about all fees, costs and terms associated with each loan product. Loan amounts may vary and may be available through participating lenders or affiliates; however, your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the loan amount, fees, terms and rates offered. In some cases, lenders may require that you have an account with them and for a prescribed period of time in order to qualify for better rates on their personal loan products. You should discuss all your options and ask the loan representative for details.
Credit Card Advertiser Disclosure
The card offers that appear on this site are from companies or affiliate offers from which Debt.com may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear). Debt.com does not include all card companies or all card offers available in the marketplace, and you may find more fitting offers elsewhere.
Credit Card Providers determine the underwriting criteria necessary for approval. Debt.com has no control over the decision of the Credit Card Providers with respect to your request or application. You should review each Provider’s terms and conditions to determine which card works for you and your personal financial situation. Information is provided by the Credit Card Providers and completing an application with the Credit Card Providers is not a guarantee of approval.
All credit card rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s sole discretion. All reasonable efforts are made to provide and maintain accurate information. Debt.com does not warrant the accuracy, completeness, or thoroughness of the information provided by the Credit Card Providers on this Site. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown. Any claim you may have regarding your qualification or approval for a credit card is solely with the Credit Card Provider, and not with Debt.com.
Any opinions, analyses, reviews or recommendations expressed in articles, marketing materials or otherwise are those of the author’s alone and/or Debt.com, and have not been reviewed, approved or otherwise endorsed by any Credit Card Provider. Debt.com suggest that you conduct your own research and do not rely solely on the reviews and opinions as these reviews and opinions may be personal to the provider and may not fit your financial situation. Debt.com also suggest that you consult with financial advisors familiar with your situation in effort to make the best decision in choosing a Credit Card Provider.
You should review the provider’s credit card application online for details about the credit card provider’s terms and conditions. When you click on the “Apply Now” button, you understand that you will be directed to the credit card provider’s website where you can review the credit card terms and conditions and decide whether or not you would like to proceed with the application directly with the credit card provider.
Business Loans Advertiser Disclosure
Business Loan offers that appear on this site are from companies or affiliates from which Debt.com may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Debt.com does not include all Business Loan companies or all types of offers available in the marketplace, and you may find more fitting offers elsewhere.
Business Loans are those loans that are for commercial purpose and use. You understand that the provider may require you to agree that your request for a business loan with a loan provider will be used for commercial purpose only and not for any personal, family or household purposes. Debt.com does not have any control regarding your application process and/or the requirements your business loan provider may seek from you as part of your loan application.
Most of our Business Funding Partners or affiliates, do not require collateral for business loans; however, please note that it is possible that the lender may require such collateral depending on your loan needs and if the underwriting requirements dictate the same. Traditional bank and SBA loans generally are known for having collateral requirements.
You should consider all options that may be presented to you and explore other business loan options out there to ensure you select the best fitting product for your needs. There is no one-size fits all business loan. Rather there are several types that will likely be offered and or discussed with you upon completing your request. Business Funding Partners determine the underwriting criteria necessary for approval, you should review each Partner’s terms and conditions to determine which business funding option works for your business’s financial situation. All reasonable efforts are made to provide and maintain accurate information. However, Debt.com does not control or warrant the information it receives from its Business Funding Partners, and is not liable for any inaccurate or incomplete information presented on behalf of the Business Funding Partners on this Site. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Partner’s discretion. There is never a guarantee your business will be approved for credit or that upon approval your business will qualify for the advertised rates, fees, or terms shown. Lender terms and conditions will apply and all products may not be available in all states. You should discuss all your options and ask the loan representative for details regarding the availability or terms of loans in your state.
Student Loan Refinancing Advertiser Disclosure
Student loan offers that appear on this site are from companies or affiliates from which Debt.com may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Debt.com does not include all student loan companies or all types of offers available in the marketplace, and you understand that you may find a better qualifying or more fitting offer elsewhere.
Potential savings may vary based on the interest rates, balances, and remaining repayment term of the loans you are seeking to refinance. Your overall repayment amount may be higher than the loans you are refinancing even if your monthly payments are lower. Variable rate options will fluctuate over the term of your loan with changes in the LIBOR rate (or other index rate utilized by the lender), and will vary based on applicable terms and presence of a co-signer. Fixed interest rates may be based on applicable terms and presence of a co-signer. Additional terms and conditions, and rates are subject to change at any time without notice by the lender or loan provider and may not be available in all states, or for all types of current student loans. Such changes should only apply to applications taken after the effective date of change.
Please note: Due to federal regulations, Lenders are required to provide every potential borrower with disclosure information before they apply for a private student loan. The Lender you select is required to provide you with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. Debt.com is not a lender or creditor, it does not offer, extend or alter credit terms. Only participating lenders can perform the full application and deliver the required disclosures, please ask your lender about rates, terms, fees, and potential discounts that may be available for each product.
Further please be advised that:
- Certain federal and private student loans may not be eligible for consolidation/refinance.
- Certain consolidation/refinance plans may result in higher monthly payments or negative consequences (i.e. prepayment penalties).
- Consolidation/refinance may lead to other negative results, such as loss of grace periods.
- Loans in default generally cannot be consolidated until completion of a repayment trial plan so tell your lender if you are in default and determine relevant options (be wary of those asking for upfront fees as well)
- Other options or programs may fit your needs (i.e. personal loan, debt consolidation and/or debt relief). Consult your financial and/or tax advisor prior to making any decisions.
Debt.com is not a creditor as it does not offer, extend, alter, or report credit; rather it is an online market lead generator that allows consumers to shop and compare rates, terms and costs associated with various financial products such as mortgages, auto loans, personal loans, student loans, etc. Debt.com does not originate or fund any product it markets; rather it has a network of lenders or Partners/affiliates. You acknowledge that Debt.com does not work with all lenders, and other offers may exist that do not appear on this Site. You may choose to speak with one or more of these lenders or Partners/affiliates to determine what your actual terms and savings may be. Only a lender can provide you with a formal application for credit, your inquiry form here is merely an expression of interest and/or intent to obtain credit or assistance. You must discuss your actual credit situation and fill out the lender’s required documents prior to obtaining an extension of credit. Network lenders may not have the best or the lowest rates so you are encouraged to continue to shop and compare additional lenders, credit unions, local financial institutions, etc. to ensure you are truly getting your best deal for your situation.
You should contact your tax professional or other financial advisor to determine if you can actually realize savings by refinancing when it can extend the life of your current loan. You should ask the lender about all terms, rates, fees and costs associated with each product and if you will realize a net tangible benefit from the same. All initial estimated savings is done by trying to calculate what your rate may be; however, Debt.com does not have that information and cannot guarantee potential savings or that lenders will approve you for such product that would warrant those savings. Rates are not guaranteed and change daily. Lenders/Brokers/Dealers/Partners that perform the actual underwriting will have to determine if you meet their underwriting criteria which is unknown to Debt.com at the time of matching/offer/quote delivery. All amounts are estimates and examples only and do not represent an actual offer.