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Lender Information

USA Debt Relief Solutions is committed to transparency and clear disclosure regarding the referral services provided through our network.

1. Not a Lender

We are **not** a bank, financial institution, lender, or credit card issuer. We do not underwrite loans, issue lines of credit, or make any credit lending determinations. Submitting an online request does not constitute an application for a loan.

2. Connection Services

We connect users with independent, third-party program providers and lenders who may offer debt consolidation loans or settlement programs based on state availability, total unsecured balances, and general eligibility. Any loan offers, rates, fees, or program agreements are executed directly between you and the participating provider.

3. No Credit Impact

Checking your potential rates and program availability through our secure online widget is fully pre-qualification based and will **not** impact your standard credit score.

Helping residents nationwide find proven paths to financial freedom since 2010. Free consultations, no upfront fees.

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Legal

Consumer Disclosure: This website is an information service for consumers seeking information about debt relief options. We are not a debt relief agency or a government agency. We do not provide debt relief services directly. Instead, we refer consumers to companies that may be able to provide these services. Not all consumers will qualify for the programs described. Fees may apply. Results vary based on individual circumstances. We do not guarantee that your debt will be lowered by any specific amount or that you will be debt-free within a specific period of time. Program availability varies by state.

We are not a lender, creditor, or debt collector. We connect consumers with third-party personal loan providers through a network of affiliates and partners. Referral arrangements may enable you to apply for a loan.

Annual Percentage Rates (APR) range from 5.90% to 35.99%, with loan terms typically ranging from 12 to 84 months. Eligibility for a loan through our partners depends on several factors, including the requested loan amount, your credit profile, income, existing financial obligations, and other relevant criteria. Loan approval is not guaranteed, and not all applicants will qualify. Loan options may not be available in all states.

Representative Loan Example:
A typical personal loan example includes a loan amount of $17,000, with a 5% origination fee ($850), a 53-month term, and an interest rate of 17.00%. You would receive $16,150 after fees. The monthly payment would be approximately $458.48, resulting in an APR of 19.63%. The total interest paid would be $7,299.44, with a total loan cost of $8,149.44 (including fees). The total repayment amount would be $24,299.44.

We do not provide debt settlement, debt negotiation, or credit repair services.

Consumers are encouraged to consult with a qualified financial professional before making any financial decisions.

This website is a free educational resource designed to help consumers understand debt consolidation loan options. We provide informational content, tools, and resources for general educational purposes only. We are not affiliated with any government agency. Any references to assistance programs are provided for informational purposes only.

We do not discriminate based on race, color, religion, sex, marital status, national origin, or ancestry.

Testimonials reflect individual experiences and may not be representative of all users.