Free Debt Consultation

Loading your page...

Financial solutions are offered by affiliates of Freedom Financial Net (Bills.com) or their service providers. Terms and conditions apply. Not all solutions are available in each state.

Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, a New Jersey State Chartered Commercial Bank, Equal Housing Lender and may not be available in all states. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, credit usage and history. Loans are not available to residents of all states. Minimum loan amounts vary due to state specific legal restrictions. Loan amounts generally range from $5,000 to $50,000, vary by state and are offered based on meeting underwriting conditions and loan purpose. APRs range from 8.99 to 35.99% and include applicable origination fees. Repayment periods range from 24 to 60 months. Example loan: four-year $20,000 loan with an origination fee of 6.99%, a rate of 15.49% and corresponding APR of 19.54%, would have an estimated monthly payment of $561.60 and a total cost of $26,956.80. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan origination fees vary from 1.99% to 6.99%. The origination fee is deducted from the loan proceeds. Adding a co-borrower with sufficient income; using at least eighty-five percent (85%) of the loan proceeds to pay off qualifying existing debt directly; or showing proof of sufficient retirement savings, could help you also qualify for lower rates. Funding time periods are estimates and can vary for each loan request. Same day decisions assume a completed application with all required supporting documentation submitted early enough on a day that our offices are open. Achieve Personal Loans loan consultants' hours are Monday-Friday 6am-8pm AZ time, and Saturday-Sunday 7am-4pm AZ time. Loan payments can be made anytime through the customer dashboard or with our servicing agents, who are available 6am-6pm M-F AZ time. Sat 7am-11am AZ time. $6,000 savings: Average savings claim for personal loans are based on 2023 data for 2, 3, and 4-year terms on funded debt consolidation loans for $21,600. Savings will vary based on several factors, subject to credit approval and other conditions. Any savings will be reflected in the offer. $784 Monthly Payment: Average payment amount claim for personal loans is based on an average loan amount of $28,771, average APR of 23% and average term of 47 months.

Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details.

Other debt solutions are available through our affiliate Freedom Resolution (NMLS ID # 1248929). Freedom Resolution does not assume your debts, make monthly payments to creditors or provide tax, accounting, legal advice or services. Its service is not available in all states, including New Jersey, and its fees may vary from state to state.

$800+/month/ nearly $10,000/year savings: Claim is based on average monthly debt savings from Achieve Loans HELOC originated loans for 2022. Monthly savings will vary based on each loan situation and can be more or less than $800/10,000.

One monthly payment - Solutions offered may or may not consolidate all debt into one monthly payment, each situation varies based on individual circumstances.

Fair Credit Ok: Minimum 640 credit score applies to home equity loan debt consolidation requests and personal loan requests.