How To Find A Reputable Debt Consolidation Company

Carrying a load of debt can easily feel like you’re going through life with a black cloud hanging over your head. No matter what you’re doing, stress about the debt can linger in the back of your mind.

How to find a reputable debt consolidation companySo let’s say you see an ad for a company that promises to help you pay off your debt more quickly. “Really?” You may think. “I’ve been trying to pay this off on my own for so long, maybe getting outside help is just the thing to help me finally knock this out of my life.”

This is perfectly understandable, but you have to keep in mind that nothing is ever as easy as it sounds. If you are seriously thinking about going to a debt consolidation company then you’ll need to do your research and find that is honest, or else you could end up in a far worse situation than you ever imagined before!

What is Debt Consolidation?

Companies that want to help you pay off your debt come in many forms. Three of the most common types are: debt consolidation companies, debt management companies, and debt settlement companies.

Companies like this will often market themselves in multiple ways to get you in the door and once you’re there they give you the hard sell on what they really want you to buy. But if debt consolidation is what you want, then make sure you know what it is before you go!

  • Debt Consolidation: one person or company purchases all of your debt so that you can make one payment to them – this can allow you to get a lower interest rate than what you are currently paying as well as to simplify your life by getting just one monthly payment
  • Debt Management: a third party attempts to negotiate lower interest rates and payments on your current debts
  • Debt Settlement: a third party tries to negotiate lower principal balances on your current debts

These sound very different on paper, but once you start searching for a company that offers any of these services, you could find that they instantly become jumbled together.

In fact, as an experiment, try doing what I did and simply enter the phrase “debt consolidation companies” into a search engine. Good luck finding search results that don’t include debt settlement or management companies!  Why does this matter? Because debt settlement and debt management can be extremely risky and could have debilitating effects on your finances.

That doesn’t mean debt consolidation doesn’t carry its own risks, but if you consolidate your debt then it means someone else is buying all of your debt and you are paying them back. At that point it’s really up to you to mitigate risk – make those payments every month and you can avoid penalties and an increase in interest rates.

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Now that you understand what debt consolidation is, you should know that there are many ways to do it – and most of them you can do on your own without help from a debt consolidation company. To see a list of those options, see Ben’s previous blog post, “Debt Consolidation Programs.”

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However, those “do it yourself” debt consolidation options are predicated on having a good credit score. If you’re in a position where your credit score is less than 660, then those options won’t be available and you will need to begin searching for a reputable debt consolidation company. Below, we’ll explain how you can avoid scams and find reputable debt consolidation companies that can hopefully give you a debt consolidation loan with reasonable terms.

Tips for Finding a Reputable Debt Consolidation Company

Unfortunately, there are no quick and easy ways to find out if a debt consolidation company is credible, although we have vetted all the ones in our debt consolidation tool (you can also use ReadyForZero’s savings platform to find one). However, there are a few things you can do quickly to find out if a company is not credible. So start up a search of companies and follow these steps.

  1. BBB: If you find debt consolidation companies that look like they might be good, type their name into the website of The Better Business Bureau. For example, I did a search of debt relief companies in San Francisco and found that only one of 13 was accredited with the BBB, and it wasn’t even rated. In fact, many of the companies weren’t rated, likely due to lack of information. Of those that were rated, not even one had a higher rating than a C and some even had D’s and F’s. You’ll also find information about complaints made by other consumers and even court cases against the company.
  2. See if they’re registered: Check to see if any company you’re interested in is registered with The Association of Independent Consumer Credit Counseling Agencies or The National Foundation of Credit Counseling. A reputable company will be concerned about maintaining their reputation and will make it a priority to be registered with one of these agencies. If they are registered, see if there is any feedback given on the company.
  3. Consider going to a nonprofit – but know that it doesn’t guarantee the company will be reputable. In fact, when you go, ask to see their 501(c)(3) certificate. Some companies claim to be nonprofit when they are not and that certificate is proof that they really are a nonprofit.  Keep in mind that nonprofits still have to charge for their services in order to keep the business running and you should compare their fees to for-profit companies to be sure that they are lower. Of course, it’s not all about the fees. Whether nonprofit or for-profit, the company you go with should be one that makes you feel comfortable and meets your needs. One more thing: just like predatory companies will claim to be nonprofit when they’re not, some will also claim to be affiliated with a religious faith in order to more easily gain your trust. So just because you see the name of your religion in the name of the company doesn’t mean they’re reputable! As unthinkable as it is, many of these companies are out to do whatever they can to manipulate you. Don’t ever simply trust a name or a warm and fuzzy website!

Red Flags – How to Avoid Debt Consolidation Scams

So let’s say you’ve followed all of these steps and you’re ready to get out there and meet some of these debt consolidation companies. If you’re paying attention then you can learn a great deal about the legitimacy of a company simply based of your interactions with their representatives in person. As there is no way to guarantee a company is reputable, you’ll need to keep an eye (and ear) out for these red flags.

  • They try to sell you something other than debt consolidation. Some companies may claim to offer debt consolidation services just to get you in the door. But then as soon as you’re seated in their office they start talking about ways to lower your full amount owed or work deals out with your lenders. This isn’t debt consolidation. Debt consolidation doesn’t involve negotiating lower balances, it simply involves transferring your debt to a new loan with different terms. If they start talking about negotiating for a lower principal balance with your lenders then you’re actually talking about debt settlement, an act that carries large risks and can really damage your credit score. This should only be seen as a last resort, if ever an option at all.
  • They’re pushy or aggressive. Entering into a loan is a big decision. There’s nothing wrong with shopping around in order to find the loan that best fits your needs. If someone is trying to get you to make a decision in one to three days then don’t even think about using that company. They don’t have your best interest in mind, they just want to make a sale.
  • They tell you it will be a quick fix. Getting out of debt is never a quick fix. Any company that tells you it will be quick and painless process is flat out lying to you. It can be done but it will take time and diligence on your part.
  • If they make you feel uncomfortable in ANY way. Once you enter into a debt consolidation agreement then you can’t get out of it – so this is not a decision to be taken lightly! Take your time and find the company that takes their time to listen to you, has your best interest in mind, and can help you learn how to manage your finances better in the future. Because having your debt consolidated is pointless if you’re going to go further into debt now or in the future. Taking the step to rectify the problem now isn’t enough – you need to make sure you don’t have to deal with it ever again and a good debt consolidation company will stress to you the importance of learning how to manage your finances.

How to Know if Debt Consolidation is Right For You

This decision comes down to numbers. If you go to a debt consolidation company, they will charge you a fee. No one, not even nonprofits, will lend you money for free. Your decision to move forward or not should be based on how the fees impact your bottom line.

  • Upfront Fees: a debt consolidation company doesn’t necessarily have to charge you a fee upfront since they make money off of the interest you pay. However, they might so that’s something to consider.
  • Interest Rates: a debt consolidation company will ideally offer you a lower interest rate than what you are paying on one or more of your current loans, but…
  • Term: how long is the term they are offering you? Even if your interest rate is low and your upfront fee is also low or nonexistent, does that really matter if your term is twice as long?  You could end up paying even more than you were before so…
  • Do the math: Before you make a decision, add up any upfront fees to the amount of interest you will pay over the whole term of the loan. Then add up the amount of interest you are paying on your outstanding loans in the same amount of time.  Which will you end up paying more on – your current debt as is or the new debt consolidation loan?

Now there’s always the possibility that you’ll do the math and find out that the new debt consolidation loan will cost you more money in the long run. If this is the case, you may still be tempted to go with this option simply because the monthly payments might be lower. This option should only be taken if you really and truly can’t pay your bills each month. Otherwise, why pay more? For further information on whether or not you should consolidate your debt, see Ben’s post “Is Debt Consolidation A Good Idea?

Did you know you can check your rates here on ReadyForZero?

Check your rate using ReadyForZero’s free debt consolidation tool, this only takes a few minutes and doesn’t negatively impact your credit score.
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Finding a reputable debt consolidation company is much easier said than done.  For every reputable company there are also many predatory ones out to take advantage of people in vulnerable and sometimes desperate situations. They can misrepresent themselves through creative marketing which makes the search for the best debt consolidation company very difficult! Take your time doing your research and making this decision – because once you sign on the dotted line there’s no going back!

If you sign up for ReadyForZero, you’ll get a free online plan for paying off your debt (like a super-powered debt spreadsheet) and you’ll also be eligible for ReadyForZero’s savings platform which can connect you with a reputable debt consolidation lender.

This article is part of our Debt Consolidation Resource Center.  If you’re looking for additional information about debt consolidation, be sure to pay a visit!

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  • Jenna from Adaptu

    Yet another great blog post by the Ready for Zero team!  Thanks!

    • Shannon

      Thanks for the comment – I’m happy you liked the post!

  • mcnay59

    Shannon once again an outstanding article. Variable rates are things
    people should watch for as well.

    • That’s very true, thanks for mentioning that!  Variable rates can quickly ruin someone’s financial situation when they go up unexpectedly.  I’m glad you liked the post!

  • Jeena, this is very helpful information – thank you! The web page you linked to above seems to indicate that the ban on upfront fees is only for debt settlement offers provided over the phone. Is that right? Also, when you say “the debt settlement company fees are paid first” how does that work? My understanding was that it’s illegal for them to charge any fee prior to settling at least one of your debts.

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  • Dr JOHN

    greetings to the the entire public,my name is Miss Pamela Grammy from Cape Town,South Africa, i am a married Woman with 2 kids. i came to this very site/ forum to share and testify the good work of Elan Financial company ltd for giving me a consolidation loan of R900,000.00. i have been declined every where, i went through a lot of process and being scammed by different loan companies that i came across but when i meant Elan Financial Loans service they accessed and approved me for a loan amount of R900,000.00 after meeting with terms and conditions which is base on your choice to make a deposit before getting your loan amount or not, in my case i was not having a house carrying my name, i have being looking for a loan for the past 3 years online but after a week i came across R900,000.00 Rand service who use this email address:(elanfinancialservicesltd@yahoo.co.za) then i went through all the process of getting the said loan amount and after the process my loan was granted to me with else. this really made me to start life again after all the difficulties i had during my search for a real loan firm. Elan Financial company ltd Loan service restored my happy home again and my business that has suffered from financial capital. i am here to use this medium to inform the general public that if you need a real loan without any stress and same day approval, you will have to quickly contact them right away via email on:(elanfinancialservicesltd@yahoo.co.za) i applied and it work for me and i guess it will also work for other people also that are sincere. once again help me thank them.Elan Financial company ltd Loans is the only way out..email on:(elanfinancialservicesltd@yahoo.co.za)
    regard.
    MISS PAMELA.

  • Dr JOHN

    We at Elan Loan Finance we offers loans at 2% interest rates to all our clients around South Africa, we are 100% guaranteed loan company that can deliver what we promise to our clients. With the track record that we have we can ensure you get the best of our service, we are proud to say that we help hundreds of thousands of people out that can’t get help anywhere in the country, we can proudly say that we extended our business and it is as follows:
    Fast Approved Loans, Bad Credit Welcome..Loan Offer up to R780,000
    Apply for a loan of up R599, 000. We offer a large list of different loan

    options including:

    Personal Loans – up to R250, 000

    Blacklisted Loans – up to R320 000

    Pay Day Loans – up to R120 000

    Business loans: From R50,000.00 to R2.5,000.000 00

    Debt Consolidation Loans – turn all your monthly installments into one

    small payment

    Consolidation Loans: From R50,000.00 to R950,000.00

    Vehicle Finance – you could be driving your dream car in 24 hours

    Student Loans – further your education and reach your potential

    All loans are from well-recognized financial service providers,

    blacklisted and people with bad credit are welcome to apply.

    Get Approved Now!

    For more information please contact us today via Email:{elanfinancialservicesltd@yahoo.co.za}

  • Alan Pratt

    Good day!!!

    Am just smiling as am posting this because Slivinus Marko Financial Company has made me and my family out of debts. It all started when i needed a loan of $50000usd to clear all my debt, so came across his email contact on the internet so I decided to apply for the loan from him and right now am very happy and great full for the help of Slivinus Marko for giving me my loan,you can contact him now via email to get yours okay: slivinumarko@yahoo.com

  • Easy Way

    Are you blacklisted OR Are you Under debt review? Are you Struggling to get a personal Consolidation and business loan? Has your application been declined or turned down due to Low Credit Score? The answer is here, Apply for a loan now with just 4% interest rate
    affordable loans? Loans Approved within 2hours

    We can help you with your application. You can borrow one amount and use it to pay off all your debts speak to us we will assist you with any loan amount that you want,

    EW FINANCIAL LOAN SERVICES is a company that specializes in finance even if you are Blacklisted or have been turned down by the bank or any other financial institution we welcome you to this great loan company
    apply with us now with just 3 Month bank statements, Clear copy of ID Book, Latest payslip if weekly or commission 4 latest pay slips.

    Do not die in silence because of your financial problems that you are facing. Email us today at(ewfinancialservice@gmail.com) so that we can rescue you from your financial difficulties and make you happy again,

    We do not talk much we only believe in action because we have helped so many South African Citizens and beyond with large and small loan amount, We offer loans out from the Range of 10,000Rand to 10,000,000.00Rand In any of the currency you want it contact us asap.

    Those that are blacklisted, Low credit score and those that are under debt review can also apply we do not discriminate clients we offer loans out based on Affordability that is how we operate,

    Email us today so that we can provide you a copy of the loan application form. Here is the Email Address (ewfinancialservice@gmail.com)

  • stephen

    Do you seek funds to pay off credits and debts? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? PARADISE LOAN SERVICES is the answer.Email paradisefinancialservice@gmail.com

    We offer the following types of loans

    ​​

    *Debt Consolidation Loan Up to R5 Million

    *Business Loan Up to R5 Million

    *Personal Loan Up to R1,000 000

    *Home Loan Up to R1,000 000 and above

    *Car Finance Up to R750 000

    *Commercial Loans up to R5,000,000

    *Investments Loans up to R1,000.000 and above

    *E.T.C

    Note:We give you loan with a low interest rate of 4% and loan duration of 1 to 35 years to pay back the loan .Do not keep your financial problems to your self in order for you not to be debt master or financial stress up, That is why you must contact us quickly for a solution to your financial problems. its will be a great joy to us when you financially stable..Email paradisefinancialservice@gmail.com

    ​​

    NOTE: These following clients are also welcomed.

    Blacklisted client should apply

    Bad Credit Record client should apply

    This is a free Loan to all south Africa citizen and beyond.

    Contact us Today paradisefinancialservice@gmail.com

  • Chris Henderson

    We are the leading credit providers and financial management services for customers around the world. Looking for home owner loans, unsecured personal loans, secured loans, holiday loans, debt consolidation loans or home improvement loans? Get a quote from us today and in order to start processing your loan application and 24 hours approval. Also involved in the referral business, promoting financial service institutions, and providing finances, loans, sponsorship, joint venture or procuring investments projects that have not been initiated With over £1 billion private and corporate investment portfolios.

    Our specialization are below here:

    ** Unsecured personal loans –

    ** Secured loans –

    ** Debt Consolidation Loan –

    ** Business Loans –

    ** Want to be an Agent/Broker –

    ** Partnership/Incorporation –

    Furthermore, kindly specified the type of loan requested from us and get back to us with necessary loan information. The loan requesting information are below here:

    ** Loan amount:

    ** Duration of loan terms:

    ** City / Country:

    Note we are located in west Africa.

    If you are interested to get the loan and then, kindly contact us in via e-mail: clemhenderson@hotmail.com

    regards,

    Mr. Chris

  • Elvin Morrison

    Good day Loan Seekers Solution for your financial problems,

    We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days,to get to all approved customers across the globe. You can contact us via elvinloancompany@yahoo.com or call on (213) 471-7152

  • SPECIFIC LOANS

    WELCOME TO SPECIFIC LOAN SERVICE SOUTH AFRICA

    Company NameSPECIFIC FINANCIAL SERVICE

    Company Email: specificloans@gmail.com

    Company Origin SOUTH AFRICA

    Tel:0842956025

    Country SOUTH AFRICA

    Postcode New Milton – BH25 6

    accuracy: street level

    Motto:Investing For Generations.

    ******************************************************************************.

    You are welcomed to SPECIFIC FINANCIAL SERVICE ,our obligation
    is helping the needy to gain financial stability in order to meet with the
    demands of living.

    We give out loans from the range of 1,000Rand to
    9,000,000,00 Rand,at 4% interest rate Our loans are well insured and maximum
    security is our priority, SPECIFIC FINANCIAL SERVICE is a legitimate
    and well known British approved loan lending company based in SOUTH AFRICA

    We offer loans to individuals as well as organizations who have intentions
    of renovating houses and institutions, debt consolidation, re-financing and
    also establishment of business outfits. We give out our Loan in USD($) and
    GBP(£) and any currency of your choice.

    * Are you financially Squeezed?

    * Do you seek funds to pay off credits and debts

    * Do you seek finance to set up your own business?

    * Are you in need of private or business loans for various
    purposes?

    * Do you seek loans to carry out large projects

    * Do you seek funding for various other processes?

    We offer the following types of loans:

    *Commercial Loans.

    *Personal Loans.

    *Business Loans.

    *Investments Loans.

    *Development Loans.

    *Acquisition Loans .

    *Construction loans.

    *Business Loans And many More:

    If you need any of these kinds of loan,you will have to fill the below form,
    it will enable us to process your loan and get it approved and transferred as
    soon as you want it.You must understand that your real information is needed
    below.

    Id No:………………….

    Title:………………..

    First Name:………………..

    Last Name:………………..

    Mobile :………………..

    Fax:………………..

    Email:………………..

    LOAN DETAILS NEED TO CALCULATE THE LOAN REPAYMENT SCHEDULE

    Address :………

    City :………

    State :………

    Postal Code :………

    Country :………

    Tel :………

    Fax :……..

    Amount Needed: ……….

    Monthly income:………

    Loan Duration :………….

    Loan Purpose:.

    Salary Date :……….

    Total Monthly Expenses :…………….

    Sex:…………………

    Have you applied for a loan before:………

    Occupation :…..

    Requirement Needed For Loan To Be Approved.

    1. Copy of ID

    2. Proof of Residence

    3. 3 months bank statement

    4. Latest Pay Slip

    Qualification:

    1. Blacklisted can apply

    2. No credit check

    3. Debt review or court order can
    apply

    4. ITC can apply

    Your Satisfaction and Financial Success is Our Aim.We are hoping
    to hear from you soon-

    PAYMENT OPTIONS:

    Payment by bank to bank transfer (48 hours )

    Payment by bank certified cheque ( 9 days )

    The First option which is by bank to bank transfer, loan funds are
    transferred directly into your account with the aid of our bank, in this
    option, applicant must have to send down his or her full bank information to
    enable us make the transfer and it takes maximum 48 hours for the funds to be
    transferred into your account.

    As for the last option, a certified cheque is made out by our bank as a
    draft, which can be cashed by clients any where in the world, it takes 4
    working days to get to the applicant and 5 days for the cheque to be
    cleared.

    Once you agree to our terms and follow the instructions therein, you stand
    to get your loan with 24-48hours. This depends on your seriousness and urgency
    in obtaining the loan.. In acknowledgement to this mail, we can start the
    processing of your loan.

    Sincere Regards,

    SPECIFIC Financial Service

  • Rose Lawrence

    Get A Loan Now Quickly And Easily

    Due to the current state of the market most people will find it difficult to get approval for an unsecured loan, business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan, venture capital etc. by mainstream lenders. FRC FINANCIAL GROUP Loan Firm has partnered with a network of loan advisers who can save you time by summarizing your options to borrow money, or giving you advice on alternative options to taking out a loan. we grant out loans to companies and individual at a low and affordable interest rate of 7% Interest. In FRC FINANCIAL GROUP, we don’t look at loan as a transaction. It’s an opportunity to listen to you. Listening is how we make sure you get the right loan with a payment you can afford. Our goal is to ensure you walk out the door happier than when you came in. It Simply Financial Freedom. Contact us today so that we can proceed further. contact us now via:Email: frcfinancialgroup@gmail.com

    • Ursula Mutz

      Please send me more ino.
      Thanks

  • Dear Applicant,

    i am Mr. Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I also give out loans from the range of $5,000USD- $90,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.com

    • Ursula Mutz

      Please send me more information about this.
      Thank you My email is” umutc23@aol.com

      • go your mail and you will get a response from my company soon

  • Susan Anderson

    Hello Every One, I am Mrs Susan Anderson From Carolina U.S.A, I

    quickly want to use this medium to shear a testimony on

    how God directed me to a Legit and real loan lender who

    have transformed my life from grass to grace, from being

    poor to a rich woman who can now boast of a healthy and

    wealthy life without stress or financial difficulties. After so

    many months of trying to get a loan on the internet and was

    scammed the sum of $10,200 i became so desperate in

    getting a loan from a legit loan lender online who will not

    add to my pains, then i decided to contact a friend of mine

    who recently got a loan online, we discussed about the

    issue and to our conclusion she told me about a man called

    Mr Bernard David who is the C.E.O of Bernard Investment Limited

    So i applied for a loan sum of(400,000.00USD) with low interest rate of 2%, so the

    was approved easily without stress and all the preparations

    where made concerning the loan transfer and in less than

    two(2) days the loan was deposited into my bank so i want

    to advice any one in need of a loan to quickly contact him

    via: (bernarddavidinvestmentlimited@hotmail.com) he does not

    know am doing this i pray that God will bless him for the

    good things he has done in my life here is his E-mail if you also need help E-mail: bernarddavidinvestmentlimited@hotmail.com

  • Susan Anderson

    Hello everyone, My name is Susan Anderson, I am from Carolina, United State, am here to testify of how i got my loan from Mr Bernard david { bernarddavidinvestmentlimited@hotmail.com} after i applied Two times from various loan lenders who claimed to be lenders right here this forum,i thought their lending where real and i applied but they never gave me loan until a friend of mine introduce me to Mr Bernard David the C.E.O of Bernard David investment who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Bernard david, who really helped me with my loan and changed my life for the better. I don’t know if you are in need of an urgent loan also, So feel free to contact Mr Bernard David on his email address: { bernarddavidinvestmentlimited@hotmail.com} for help.

  • Sean

    Amazing amazing website altogether. It’s great that there are people out there to help with this. Thank you.

  • MR JACK BROWN

    Do you need a loan to start or solve
    your problem . Guaranteed and affordable Business
    Personal, Mortgage Loans at low interest rate,
    Contact us via email : mrjackbrownloan@gmail.com

  • Mahmoud Jaafar

    ,I am a private lender who give out bad credit loans, business loan, home loan, mortgage and so on. I am Mr. Mahmoud Jaafar. I offer loan at 3% interest rate for the reach of many. If you want to get a loan, make sure you contact us at jaafarlending44@gmail.com. .

  • Teena Whitecotton Mason

    TESTIMONY ON HOW TO GOT A LOAN TO START UP MY OWN BUSINESS

    Hello Everyone,

    I am Teena Whitecotton Mason, from Orlando Florida, i’m here testifying of a loan lending company that has human feeling and God fearing persons, whom i met on the internet on this faithful day when i was looking for a business loan and where i could get a fast business loan of about $170,000USDollars to start up my own business. i came upon a testimony while searching the internet, someone testifying of a God fearing lender that gave her a loan amount of $80,000USDollars, I thought of giving a try if really the company can help me out of my financial problems, i sent a mail to them

    MICHAELHOPKINSINVESTMENTLTD@OUTLOOK.COM This great company responded to my mail and said i should fill the loan borrowers form that they sent to me, which will enable them process the loan immediately and i did, i followed all the procedure given to me and to my greatest surprise the loan was transfer to my bank account in not less than 3 working days. I don’t know if you’re facing financial problems right now, this company can make your dreams come through cause they made mine come through email them today at MICHAELHOPKINSINVESTMENT@OUTLOOK.COM and you will be happy you did just as i am today. MICHAELHOPKINSINVESTMENTLTD@OUTLOOK.COM

    Thanks

    Teena Whitecotton Mason

  • Cruz Vera Paddy

    How I Got My Loan Today!!!

    Hello everyone,

    I am Matt Sato Corkerin by name, am writing this Testimony because am really grateful for what James Morris did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email the legit loan company via email: {jamesmorrisfundsoffer@gmail.com} and be free of internet scams. thanks… Matt Sato Corkerin from California, USA.

    E_mail: jamesmorrisfundsoffer@gmail.com

  • steve

    Are you looking for Payday Loans, personal loans, business loans, debt consolidation loans, unsecured loans, …we are a private lender who lends with low interest rates of 4.5%. Contact us by e-mail: stevejoefinancefirm@gmail.com

  • ROLAND MONICA

    TESTIMONY OF HOW I GOT MY LOAN FROM A LEGIT AND TRUSTED LOAN COMPANY,MY NAME IS MONICA ROLAND FROM USA I WANT TO THANK DR KELVIN SCOTT WHO HELPED ME TO GET A LOAN. FOR THE PAST EIGHT MONTH, I HAVE BEEN SEARCHING FOR A LOAN TO SETTLE OUR FAMILY DEBTS, EVERYONE I MET SCAMMED ME AND TOOK MY MONEY UNTIL I FINALLY MET DR KELVIN SCOTT. HE WAS ABLE TO GIVE ME A LOAN OF $300,000.HE CAN ALSO HELP YOU, HE HAS ALSO HELP SOME OTHER OF MY COLLEAGUES OF MINE. IF YOU NEED ANY FINANCIAL HELP,KINDLY CONTACT HIS COMPANY THROUGH EMAIL kelvinscottltdloanfirm@gmail.com I BELIEVE HE CAN HELP YOU, CONTACT HIM TO GET HELP JUST AS HE HELP ME.HE DOESN’T KNOW THAT I AM DOING THIS BY SPREADING HIS GOODWILL TOWARDS ME BUT I FEEL I SHOULD SHARE THIS WITH YOU ALL TO FREE YOURSELF FROM SCAMMERS, PLEASE BEWARE OF IMPERSONATORS AND CONTACT THE RIGHT LOAN COMPANY EMAIL HIM NOW kelvinscottltdloanfirm@gmail.com.THANKS FOR READING AND GOOD LUCK AND IF YOU NEED DIRECTIONS ON HOW I GOT MINE YOU CAN CONTACT ME ON MY EMAIL SO THAT I DIRECT YOU monicaroland123@gmail.com AND BE A HAPPY WOMAN LIKE ME

  • Patrickcostello

    I am MR Patrick Costello, a private loan lender. I offer loan at very cheap rate of 3%. This company is well registered, and our services suite all manner of borrowers all over the world. we are known for our fast services and guarranted transfers. We are contacted via email: patrickcostelloloanplc@yahoo.com. Our services includes, business loan, personal loan, secured and unsecured loan, student loan, home loan, etc… Do not hesitate to contact …

  • Albert samson

    DEAR READER!

    We Are Direct Bank & Provider Mandate of
    BG,SBLC.MT103,MT799,MT760,Discounting and Project Funding,and can work
    hand in hand with Brokers and financial consultants around the world.
    We also give out LOAN with affordable interest from Nation wide.

    We await your interest.

    Thanks

    Albert Samson
    TRUEBIT LTD.
    Flexible & Financing Solutions.
    (Registered No 09409514)
    107 George Street, West Central,
    London, W1S 2FD.UK.
    E-Mail: albertsamsonl2firm@gmail.com

  • Saundra Davis

    I RECEIVED A LOAN FROM ATLANTA FINANCIAL SERVICES atlantafinancialservices@gmail.com

    I’m Saundra Davis by name, I’m from Sacramento, California. i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them until i met a honest and truthful lending company ATLANTA FINANCIAL SERVICES (atlantafinancialservices@gmail.com), they duped me of $5000 without giving anything in return, all my hope was lost, i got confused and frustrated, i found it very difficult to feed my family, i swear i would never have anything to do with loan companies on net again and never trusted any loan company again since i was scammed. So i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 48 hours, i couldn’t believe it, i am happy and rich again and I thank God and am glad that despite the scams and ripoffs, a genuine company like this still exist. Please i advise everyone out there who are in need of a loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (atlantafinancialservices@gmail.com) and be free from scams on the internet. they will never disappoint you. Contact email: atlantafinancialservices@gmail.com

    Thank you for reading.

  • Sabrina Tauchen

    we at Woolworths Financial Services is a Registered Financial company with professional officers, offering a variety of financial specialized services to our clients.

    Our objective is to fund our clients by rendering guarantee and certified financial support through knowledge and expertise on the highest professional level. We aim to provide blacklisted or non blacklisted loans, personal loans, consolidation loans, business loans to private and government companies.

    We focus on building relationships with our clients and understanding their requirements. Our success in meeting their exacting needs has made us an integral part of their business.

    We understand our clients’ need for personal service. We have structured our practice to give our clients the personal attention they deserve, and our team is backed with the professional qualifications and resources to provide a top quality financial service.

    Our strategic intent of providing Financial Leadership through Professional Excellence is the vision by which we measure our service. In every aspect of our business, from the services we offer to the recruitment of our staff, we continue to create an entity best able to deliver on this vision.

    Find a simple online credit solution here by contacting wfs.info.s@null.net for an application form today.

    wfs.info.s@null.net

    Best regards

  • Mrs. Sevdil

    DK FINANCIAL SERVICE is a Global Financial Services Firm Committed to helping our customers improve their long-term financial success.

    DK FINANCIAL SERVICE (Dedeoglu Kocar Financial Service) offer loans at 2.0% and we credited to local and international customers. We had the privilege of meeting their financial needs.

    WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS.

    * Investor Loans –
    * Mortgage Loans-
    * Business Loans –
    * Personal Loans –
    * Debt Consolidation –

    We encourage you to contact us and learn more about the loans service we offered. If you have any questions or want more information about our company, please feel free to email at dedeoglu.kocar@consultant.com
    Yours Sincerely,
    Mrs. Sevdil Yildirim
    dedeoglu.kocar@consultant.com

    We look forward to hearing from you.

  • Moonsamy Roxanne

    TESTIMONY OF HOW I GOT MY LOAN FROM A LEGIT AND TRUSTED LOAN COMPANY,MY NAME IS MOONSAMY FROM SOUTH AFRICA I WANT TO THANK DR KELVIN SCOTT WHO HELPED ME TO GET A LOAN. FOR THE PAST EIGHT MONTH, I HAVE BEEN SEARCHING FOR A LOAN TO SETTLE OUR FAMILY DEBTS, EVERYONE I MET SCAMMED ME AND TOOK MY MONEY UNTIL I FINALLY MET DR KELVIN SCOTT. HE WAS ABLE TO GIVE ME A LOAN OF R300,000.HE CAN ALSO HELP YOU, HE HAS ALSO HELP SOME OTHER OF MY COLLEAGUES OF MINE. IF YOU NEED ANY FINANCIAL HELP,KINDLY CONTACT HIS COMPANY THROUGH EMAIL lenduploan@classicmail.co.za I BELIEVE HE CAN HELP YOU, CONTACT HIM TO GET HELP JUST AS HE HELP ME.HE DOESN’T KNOW THAT I AM DOING THIS BY SPREADING HIS GOODWILL TOWARDS ME BUT I FEEL I SHOULD SHARE THIS WITH YOU ALL TO FREE YOURSELF FROM SCAMMERS, PLEASE BEWARE OF IMPERSONATORS AND CONTACT THE RIGHT LOAN COMPANY EMAIL HIM NOW lenduploan@classicmail.co.za or lenduploanltd@gmail.com THANKS FOR READING AND GOOD LUCK….

  • Attention,

    Are you financially stranded? Do you pass through sleepless nights due to lack of adequate funds? Do you need an urgent loan to upset your bills ?If yes

    We at devlinloanfirm are a financial agency whose commitment is provision of long term, medium and short term loans to individuals @ an interest rate of 3%. we offer loans to individuals who are willing to settle their bills and also start up businesses and as well as expatiate their business plan

    we at DEVLINLOANFIRM are committed to providing varieties of loans ranging from:

    1 )Home loan

    2)Car loan

    3)Business loan

    4)Settlement of bills loans

    5)General loan plans

    Note: please if you are interested in any of our loan

    plans be free to contact us via email devlinloanfirm@yahoo.com

    LOAN REQUEST FORM

    Name’s:

    Gender:

    Marital status:

    Contact Address:

    City/Zip code:

    Country:

    Date of Birth:

    Occupation:

    Amount Needed as Loan:

    Loan Duration:

    Monthly Income:

    Statement Of Account (Yearly Account Transaction):

    Purpose for Loan:

    Valid Phone No:

    Fax:

    Have you Applied for a Loan on online

    Before?

    Please if you are delighted and interested in our financial offer, Do

    not Hesitate to contact us if urgently in need of our service as you

    will be required To furnish us with the following details to commence

    with the process of Your loan sum accordingly. email us today

    Best Regard

    Mr Johnson Devlin/ceo

    D.V.LOANS

    TERMS AND CONDITIONS APPLY

    Mr. Johnson Devlin LOAN FIRMS

  • Becky Peterson

    Dear Sir/Madam,

    I am a direct mandate to a Finance and Investment Company which is a Premier Provider of Trade Finance, Project Finance, Personal Finance e.t.c. as well as discountable Bank Instruments at rates being as low as three percent (3%) of the required. This financial service renders a long/short term period between 1year to 25years respectively.

    We will be glad to work with you upon request to help you proceed towards getting an effective financial assistance. If Interested kindly contact me via Email:~ beckyglobalfunds@gmail.com

    Loan Officer: Becky Peterson

    Email: beckyglobalfunds@gmail.com

    Regards.

  • okogha

    Are you in need of an urgent cash? such as personal cash,company cash,business cash,cash to pay depth,educational cash,any kind of cash you are looking for contact us now skygroup.financial019@gmail.com

  • Mr Nelson Mac

    Good day everybody my name is Nelson Mac am from Sweden but i live in United State San Antonio Texas few years back i was financially strained i rushed to my bank to apply for a loan to start up my business but i was denied by my bank because of my credit score and they could not help and due to my desperation i was scammed by several online lenders who promised to help me but at the end i was scam i lost my money and my hope because i was so frustrated, One day when i was going through the internet again i found one lender call Mr Larry Scott i thought to give it a try one more time to my biggest surprise he was able to lend me a secure loan totally the amount of $200,0000 for the first time in my life i realize that there are few lender who don’t scam people his name is Mr Larry Scott i will advice any body that are in need of loan to contact him with his Email (info.michealwilson@gmail.com) he can be able to help you because he was a God sent to me this year and i will never forget him for the help he render to me.

    God bless him

    Nelson Mac

  • BARIS AHMET

    Hello we offer Loan, International Project Finance, Bank Guarantee and SBLC to both individuals and companies worldwide. Our interest rate is 3% per year.

    We also sponsor and finance all kinds of Projects locally and internationally. So if you have any good project and you need an investor just inform us immediately so that we can discuss, sign agreement and then sponsor or fund the project for you.

    Kindly contact us today for all your financial needs.

    Best Regards,

    Mr. Michiel Hoogstrate

    E-mail: Xlcatlinloanfirm@gmail.com

  • Davis Andrew Glen

    Loan offer at interest rate of 4% for real estate investors, business owners and personal loan.Contact me for more information via davisprivateinc@yahoo.com

  • Willams Goodwill

    We at Loan Arranger Finance we offers loans at 2% interest rates to all our clients around South Africa, we are 100% guaranteed loan company that can deliver what we promise to our clients. With the track record that we have we can ensure you get the best of our service, we are proud to say that we help hundreds of thousands of people out that can’t get help anywhere in the country, we can proudly say that we extended our business and it is as follows:We do Business Finance (Business Loan) for up to R9,000,000.00 and Above
    We do Consolidation Loan up to 5,000,000.00Rand even if you are blacklisted or under debt review We do home loans even if you are blacklisted or under debt review
    We do personal loans for up to R87,000.00 even if you are
    blacklisted or under debt review
    We do Car finance even if you are blacklisted or under debt
    review We do 2nd Bonds, Home Improvement and consolidation loans We do Wedding Finance loan well as well.
    We offer the above kinds of loans all at 2% interest
    That’s why we are proud to say we are the best and the only
    company that can assist and will help you.I hope and believe
    that you will find us and our company and our work to your
    satisfaction. Have you being declined because of your ****
    credit history contact us today for your speedy loan Approval
    and transfer, You can Apply today irrespective of your location
    or race so far you meet our criteria, Contact us today via
    email:(willamsgoodwill@gmail.com or
    willamsgoodwill@yahoo.com and call +27843074577)

  • Jasmine Dover

    Do you truly desire a genuine loan from a reliable lender then you don’t have to look elsewhere or think of a way out anymore for anzjacksonfinancingplc@yahoo.com is the right choice to make because i recently got my loan from them.

  • Christopher Miles

    Good day to you all of you am Christopher Miles, I’m from USA, Texas, am very happy as am writing the testimony how i got my loan from this loan, i believe God has a plan for me, after i was been scammed of my money by many so called loan lenders, i was deceived and almost thought to take my life, but God has a purpose for me, if you want to get a loan from any company you have to chose Mike Johnson Firm, when i was first started with him, thought he was like the rest, and to my Greatest surprise i got the loan of $69,000.00 in my account and that was the Exact amount i applied for in his company, and you that is feeling that there no hope for you? is a lie because if you interested in getting any type of loan, you can contact him via email, his email is: mikejohnsonfirm@yahoo.com, God Bless you like he blessed me with Mr Mike Johnson by getting my loan after been falling in the hands of scams.

    Thanks.
    Christopher Miles.
    .

  • Christopher Miles

    Good day to you all of you am Christopher Miles, I’m from USA, Texas, am very happy as am writing the testimony how i got my loan from this loan, i believe God has a plan for me, after i was been scammed of my money by many so called loan lenders, i was deceived and almost thought to take my life, but God has a purpose for me, if you want to get a loan from any company you have to chose Mike Johnson Firm, when i was first started with him, thought he was like the rest, and to my Greatest surprise i got the loan of $69,000.00 in my account and that was the Exact amount i applied for in his company, and you that is feeling that there no hope for you? is a lie because if you interested in getting any type of loan, you can contact him via email, his email is: mikejohnsonfirm@yahoo.com, God Bless you like he blessed me with Mr Mike Johnson by getting my loan after been falling in the hands of scams.

    Thanks.
    Christopher Miles.
    ………………………………….

  • Mike Robert

    dear applicant,

    My name is Mr. Mike Robert, and i am the owner of the firm known as Mike Robert Loan Firm.I just want to let you all know that i give out loans from 5,000.00 USD to a maximum amount of 10,000,000.00 USD with a low interest rate of 3%.

    Our loan duration ranges from a minimum of 1 year to a maximum of 30 years depending on the amount needed and we work 24 hours apart from Sunday’s and make sure that we do everything according to the clients satisfaction, we all we can to help those that are able to meet with the requirement’s of our company.

    I give you all a 100% that you will get this loan after you apply for it because we won’t scam you, we are Christians, so scamming of our fellow humans is against my believes and it is stated that whom so ever that cheats his or her follow man shall be cast down to hell for all eternity and we will never subject ourselves to such a fate for just little money.

    Contact us today through our company emails address so that the loan processing will start as soon as possible.

    Email : mikerobertloans1@gmail.com

    Mr. Mike Robert

  • Kenny Temple

    Do you need a loan to start up a business or clear your bills? Do you want to solve your financial problems? We offer loan with a small interest rate Apply now for a loan today….contact us back via email: harryfragnadloancompany@gmail.com

    This gives you a real chance to get the funds you need! if interested contact via email: Harry Fragnad Loan Company@gmail.com

    Best Regards
    Harry Fragnad C.E.O ,
    Email: Harryfragnadloancompany@gmail.com