Rescue One Financial Debt Consolidation Review

Rating: 7.8 / 10 (Very good)
8 Customer Reviews - see all comments
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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.

How is Rescue One Financial rated?


Pricing & Fees

Overall Rating: 7.8 / 10 (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 - 8 / 10

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
Program Length
36 Months
Additional Benefits
Personal Advisor


Qualification - 7 / 10

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%.
Minimum Debt Amount
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 - 8 / 10

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?


Reputation - 8 / 10

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 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.

Company Details

Year Founded

Compliance & Accreditations

AFCC Membership
Accredited Member
IAPDA Accredited
FTC Compliant

Online Reviews

Trust Pilot Rating
6.4 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Information

Homepage URL
Headquarters Address
16842 Von Karman Avenue Suite 300, Irvine, CA, 92606

Top Rated
Our Partner
9.9 / 10
  • Chosen by Almost 90% of ConsumersAdvocate Visitors
  • Our #1 Choice: 100% Satisfaction Money Back Guarantee
  • No upfront fees
  • One-on-one evaluation with a debt counseling expert
  • Reduces your debt in 24 to 48 months
  • For people with $7,500 in unsecured debts and up
  • Rated A+ by Better Business Bureau
  • Free consultation, 100% Confidential

Latest Rescue One Financial Reviews

Chantilly, Virginia

Great people with awesome knowledge on the industry. Highly recommended.

Nathan A
Hurst, Texas

Edgar Sanchez is the person that reached out to me by email. The send the info. to the wrong address because the young lady that took it got it wrong, even after I spelled it out for her. Edgar Sanchez called me at 9:00pm to tell me that he was still working on my loan, but that was not the case he was trying to find a company that would loan me the money. You see this is how it works, the are a consulting firm they shop your credit with several different companies and charge you a fee for doing so if you get a loan with them, and when they can't they try to get you to consider a consolidation plan which will DESTROY your credit. They are a big SCAM, please look at the pre-offer that... Read More

Michael S
Washington, District of Columbia

Really thankful to Rescue One financial service. They are a group of knowledgeable people and they know what they are doing. Really appreciate the help.

Clifton, New Jersey

Before Rescue One Financial I was not aware a service like this even existed. I am totally impressed with their professionalism and knowledge. Overall it was an easy process as well.

Bradley S
Washington, District of Columbia

The hospitality of Rescue One Financial made me very satisfied. And their services are unquestionable.

Steven P

I am so so satisfied to Rescue One Financial services, I cannot express in words how grateful I am to this company. They are very knowledgeable people and know what they're doing. For rescue one, I was able to overcome my bad financial situation and living a peaceful life right now.

Washington, District of Columbia

Rescue one financial really rescued me when I had a very tough time with my finances this year. They explained me the entire process and simplified a complex process. The consolidation loan I received helped me paying off my debts and I saved tons of money in interest. I just want to say a big thanks to the people at Rescue one for assisting me and getting me through a tough situation.

Placerville, California

Rescue One is not a lender but a commissioned marketing company. They use the bait and switch tactic to lure consumers into signing up for what turns out to be a debt resolution plan, not a loan. They lured me in and ruined my credit and cost me 10's of thousands of dollars.