ADVERTISING DISCLOSURES:

Last updated: October 2016

Free Debt.com Services

The offers that you are matched up with are from BBB rated companies that we may receive compensation from. We feel that these services or the products offered are reputable, affordable and will help our readers. We won’t recommend something just because we’re offered payment to endorse or promote it.

We may be compensated for the following:

  • Referrals to consumers who use the online form or locator line that may provide expert answers to questions;
  • Marketing tax resolution, 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 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.

We are not attorneys and we don’t provide legal advice. As always, we encourage you to do your homework and check out individuals and companies before you hire 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 laws in your state.

We hope that you find Debt.com helpful in your efforts to get a fresh start.

Personal Loans Advertiser Disclosure

Once you qualify, a Personal Loan can offer funds usually with a few days to a week. A loan can be fixed for a specific term and rate or it could be a variable with fluctuating amount(s) due and rate assessed, be sure to speak with your representative about the actual term and rate you may qualify for based on your credit history and ability to repay the loan. A personal loan can assist in paying off high-interest rate balances with one fixed term payment, so it is important that you try to obtain a fixed term and rate if your goal is to reduce your debt. Lenders may charge an origination fee generally around 1% of the amount sought. Be sure to ask, up front, about all fees, costs and terms associated with each loan product. Loan amounts of $1,000 up to $35,000 are available through participating lenders or affiliates; however, your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the amount, fees, terms and rates offered. In some cases, lenders may require that you have an account with them already and for a prescribed period of time in order to qualify for better rates on their personal loan products. Ask your representative for details.

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.

Personal Loan Providers determine the underwriting criteria necessary for approval, you should review each Provider’s terms and conditions to determine which loan works best for you and your own personal financial situation. All reasonable efforts are made to provide and maintain accurate information. 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.

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.

Credit Card Providers determine the underwriting criteria necessary for approval, 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 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 discretion. All reasonable efforts are made to provide and maintain accurate information. 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. Information is provided by the Credit Card Providers and is not a guarantee of approval.

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.

See the online Provider’s credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the provider’s website.

Business Loans Advertiser Disclosure

Business Loans are those loans that are for commercial use and any property and/or proceeds from the proposed request will be used by the requestor for commercial purpose only and not for any personal, family or household purposes, and that the proposed request would constitute a business loan which is exempted from the disclosure requirements of the Truth in Lending Act.

Most of our Business Funding Partners or affiliates, do not require collateral for business loans; however, please note that it is possible to be offered another product by the lender depending on your needs and if the underwriting requirements dictate the same. Traditional bank and SBA loans generally are known for collateral requirements.

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.

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. 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. Ask your loan representative for details.

Student Loan Refinancing Advertiser Disclosure

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 (or other index utilized by the lender) rate, and will vary based on applicable terms and presence of a cosigner. 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 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.

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.

Pursuant to the contracts between Debt.com and the Lenders or affiliates on its Network, Debt.com may also receive information from your Lender or affiliate regarding the status of your application including, but not limited to, the amount or disposition of your loan. Information specific to your Lender’s use of your information will be found in your Lender’s specific Privacy Policy.

Please Note:

  1. Certain federal and Private Loans may not be eligible for consolidation/refinance.
  2. Certain consolidation/refinance plans may result in higher monthly payments or negative consequences (i.e. prepayment penalties).
  3. Consolidation/refinance may lead to other negative results, such as loss of grace periods.
  4. 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)
  5. 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 or alter credit; rather it is an online market lead generator that allows consumers to shop and compare rates, terms and costs associated with 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 affiliates. You may choose to speak with none, one or more of these Lenders or 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. You must discuss your actual credit situation and fill out the lenders 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.