Rating: 8.9 / 10 (Excellent)
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LowerMyBills.com is a California-based online loan service provider that matches consumers searching for options concerning cash-out refinance with top lending companies. The company has been rated A+ by the BBB and has more than 500 service providers across distinctive categories. LowerMyBills.com has assisted customers in finding partner lenders that match their financial concerns.

How is LowerMyBills rated?


Consumer Experience

Overall Rating: 8.9 / 10 (Excellent)

By and large, LowerMyBills.com is a marketplace for direct lenders of cash-out refinance that falls squarely in-line with the industry standard. Their free-to-use business model, limited qualification parameters, and application process all match up evenly with their direct competitors. What sets them apart, however, is their reputation. It’s positive rankings via third-party websites, coupled with its comparably minute number of regulatory actions, speaks volumes in regards to LowerMyBills’ business practices. All things considered, LowerMyBills.com is well worth further perusal for those in need of cash-out refinance.

LowerMyBills Loans

Lender Type
3rd Party Marketplace
Loan Types Available
Cash-out Refinance
Minimum Home Equity Loan
Maximum Home Equity Loan
Application Fee

Loans - 9 / 10

LowerMyBills is a marketplace that specializes in matching potential cash-out refinance applicants with direct lenders. As a third-party entity, they charge no fees, nor have any bearing on the resultant terms and conditions.

LowerMyBills Qualifications

Loan Qualifications
Second Home
Proof of Employment
Primary Residence

Qualifications - 9 / 10

LowerMyBills can match its cash-out refinance lending partners to those of any qualification level. While able to work with applicants dealing with either their first or second residence, LowerMyBills first requires information regarding the applicant. These standard queries include employment status, financial background, and age.

LowerMyBills Customer Experience

Site Features & Technology
Online Application
Online Quote

Consumer Experience - 8.7 / 10

LowerMyBills offers a completely free service meant to connect potential applicants with those lenders best suited to their needs and qualifications. Their online application process achieves this. In less than three minutes, a user will be matched to a top lender customized to their unique situation.

LowerMyBills Reputation

Nationwide Mortgage Licensing System ID
Nationwide Mortgage Regulatory Actions
Trust Pilot Rating
4.1 out of 10
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews

Reputation - 9 / 10

Despite its presence within the Nationwide Mortgage Licensing Service, LowerMyBills does not boast any other formal memberships or accreditations. Instead, their strong ratings via the Better Business Bureau and TrustPilot speak for themselves. Furthermore, LowerMyBills’ limited number of recorded regulatory actions demonstrates its strong commitment to quality.

Additional Details

Homepage URL
Headquarters Address
4859 W Slauson Ave #405, Los Angeles, CA, 90056
Year Founded

Top Rated
Our Partner
8.9 / 10
  • Get quotes from lenders online
  • Flexible payment and interest rate
  • Free online service for rate comparison on bills and other cost of living
  • More than 500 service provider in different categories
  • Easy 3-minute application