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Rescue One Financial Review


ConsumersAdvocate.org Rating: 3.9 / 5 (Very good)
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Rescue One Financial specializes in debt consolidation and debt settlement solutions for consumers struggling with unsecured debt such as credit cards, medical payments, and private student loans.

The company, which employs trained and certified financial litigators, is an accredited member of the American Fair Credit Council and complies with Federal Trade Commission rules.
 
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How is Rescue One Financial rated?

Breakdown

4.0/5
Reputation
3.5/5
Qualification
4.0/5
Pricing & Fees
4.0/5
Services

Overall Rating: 3.9 / 5 (Very good)

Rescue One Financial is a rising star in the financial services industry.

The company, which was founded in 2007 and services 31 states, is one of the fastest growing businesses of its kind managing approximately $2 billion in consumer debt.

They offer unsecured loans for businesses and individuals seeking debt consolidation, and provide debt settlement and management services for those requiring additional financial assistance.

Rescue One Financial employs CFL-licensed professionals, abides by FTC regulations, and is an accredited member of the American Fair Credit Council.

If you need help with debt consolidation or simply need to obtain an unsecured loan to finance a vehicle, pay medical bills or cover business expenses, Rescue One Financial has an option for you.

Rescue One Financial Services

Services - 4 / 5

Rescue One Financial specializes in unsecured personal and business loans as well as debt management and resolution services for those struggling to meet their financial obligations.

The company delivers a quick and convenient application process and solutions tailored to their customers' needs and qualifications.

Rescue One Financial only employs experienced consumer debt and financial consultants trained to help their clients determine which program is best for their situation, develop a debt management strategy, and negotiate with creditors on their behalf.
Services Offered
Debt Settlement
Professional Consultation
Debt Consolidation Loans
Estimated Debt Reduction
60%
Program Length
36 Months
Additional Benefits
Personal Advisor

Qualification

Qualification - 3.5 / 5

To qualify for an unsecured debt consolidation loan through Rescue One Financial, consumers and business owners must be struggling with unsecured financial debt and owe at least $1,000 to lenders and creditors.

The company does not establish a minimum credit score and state they work even with those who have damaged credit.

Rescue One Financial also accepts all types of unsecured debt including credit cards, medical bills, unsecured loans, private student loans, personal lines of credit, collections, and repossessions.

However, by law, the company cannot settle utility bills, lawsuits or secured debts such as mortgages or car loans.

There are additional requirements for those seeking debt management, including being less than 60-days delinquent on payments and having a debt of at least $5,000 or $3,000 with interest rates exceeding 15%.
Debt Solutions For
Personal Loans
Medical Bills
Business Debt
Unsecured Loans
Credit Cards
Excluded Debts: Utility Bills, Lawsuits, Government Loans, Secured Debts, Home Loans, and Mortgages
Additional Qualification Requirements: Debt Settlement Qualifications:

*$5,000 current unsecured debt minimum and it must offer benefits like reduced interest rates, old utility bills, and debt not in collections

*$3000 current unsecured debt minimum accepted for consumers with exceptionally high interest rates and benefits

*Accounts must be less than 60-days delinquent when you enroll

*Accounts past 60 days must be set up for creditor payment within 30 days of enrollment date

*All credit card accounts and personal, unsecured loans must be ‘mature’ or open for a minimum of 9 months before a proposal requesting benefits can be sent to creditors

*There must be no activity for the past 60 days on all credit accounts in the program, or the proposal for that creditor will be rejected

*Interest rates must be above 18%

*Interest rates as low as 15% have been accepted, but none lower

*Consumer must be able to make minimum payments on all cards

Pricing: How much does Rescue One Financial cost?

Pricing & Fees - 4 / 5

In compliance with the Federal Trade Commission, Rescue One Financial abstains from charging fees until they have presented their applicants a successful and agreed-upon solution.

They offer debt consolidation loans with fixed rates starting at 5.59% and settlement and debt management programs that can help consumers become debt-free in three to five years, sometimes less.
Up-front Fees?
No

Reputation

Reputation - 4 / 5

Rescue One Lending, Inc. is accredited by the Better Business Bureau, with which they hold an A+ rating based on mostly positive customer reviews.

They have also received a 6.4 (Average) score on Trustpilot.com based on 60% positive client feedback.

The company delivers personalized assistance from trained, experienced, and CFL-licensed consultants ready to guide their customers through the process of debt management or consolidation.

Rescue One Financial is a member of the American Fair Credit Council (AFCC) and their debt relief and consolidation programs are 100% compliant with Federal Trade Commission regulations.

See our 10 Best Debt Consolidation of 2019 HERE.

Compliance & Accreditations

AFCC Membership
Accredited Member
IAPDA Accredited
No
FTC Compliant
Yes

Online Reviews

BBB Rating
A+
Number of BBB Positive Reviews
7
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
5
Date Collected
2018-01-04

Contact & Additional Information

Homepage URL
https://rescueonefinancial.com
Headquarters Address
16842 Von Karman Avenue Suite 300, Irvine, CA, 92606
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Our Partner

Free consultation, 100% Confidential

  • Fast and easy application process
  • No upfront fees
  • One-on-one evaluation with a debt coach
  • Become debt-free in 24 to 48 months
  • For people with $7,500 in unsecured debts and up
  • Rated A+ by Better Business Bureau
  • AFCC Accredited
  • Resolving debt since 2009
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