SteadyWise Reviews

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Edited by: Ashley Eneriz

About SteadyWise

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SteadyWise connects consumers with financial products that better their financial situation. It has partners in the debt relief space that it helps enroll consumers into on the company’s behalf using certified debt specialists. SteadyWise has a platform that shops a network of lenders to match consumers with a loan that is the best fit, and it also started partnering up with debt management companies. SteadyWise arranges a full consultation and provides consumers with their options based on the consultation, whether it be a personal loan, debt relief program or debt management program.

Visit steadywise.com
Pros
  • IAPDA-certified debt consultants
  • Free consultation
Cons
  • Fees can be high
  • Not available in all states

Our editor’s take

SteadyWise is a debt settlement company. Those with unsecured debts such as credit card debt and personal loan debt may benefit from signing up with SteadyWise to settle their debts.

If someone is struggling to make debt payments, SteadyWise can help by communicating with creditors such as credit card issuers to negotiate a lower amount owed. The company says it can offer savings of about 50% on the total debt settled, or 21% to 35% after factoring in settlement fees.

How does SteadyWise work?

If you have a minimum of $15,000 in unsecured debt, you may be eligible to work with SteadyWise to resolve the debt. After an initial free debt evaluation by phone or online, you will begin making deposits into an account for debt repayment. A certified debt negotiator from the company contacts creditors to try to decrease the amount you owe on each debt.

SteadyWise sends payments from your designated account to creditors in the agreed amounts. You can check your debt payoff progress online and see your anticipated debt-free date. SteadyWise says most members get their first settlement within three to six months.

SteadyWise costs

Fees for debt relief are typically between 15% and 29% of the total debt settled. A representative from SteadyWise informed us that fees are determined by the debt amount as well as your state of residency.

According to the representative, the company doesn’t take payment for its services until your debt is successfully settled. You’ll also receive a refund for any accounts that the company is unable to settle, although some banking fees or legal fees may be nonrefundable.

SteadyWise FAQ

Does debt relief hurt your credit?

The Consumer Financial Protection Bureau warns that debt settlement can harm your credit. While this negative effect on your credit score will not last forever, it is an important factor to consider before signing up with a debt settlement company.

Is SteadyWise available in all states?

SteadyWise serves most states, with the following exceptions: Oregon, Rhode Island, Colorado, Maine, Maryland, Utah, West Virginia, and Wyoming.

Does SteadyWise guarantee debt settlement?

SteadyWise does not and cannot guarantee debt settlement. However, it promises not to charge fees until and unless it succeeds in settling your debt.

Still have questions?

Is SteadyWise legit?

Although SteadyWise is a new company, a representative told us by email that it works with partners who have settled over $250 million in debt for 25,000 clients since 2007. Its debt relief consultants are certified by the International Association of Professional Debt Arbitrators (IAPDA).

For someone with high totals of unsecured debt, SteadyWise assists in negotiating debt amounts and payments down and doesn’t charge any fees until your debt is settled.

With any form of debt settlement or debt relief, be sure to consider the potential impacts to your credit score and future borrowing ability. Also, keep in mind that calling creditors yourself to negotiate debts is an option that bypasses the fees of a debt relief company.

SteadyWise Reviews

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    Page 1 Reviews 0 - 40
    Customer ServiceStaff

    Reviewed May 28, 2025

    Tony ** was the representative who called me. He was very helpful. He answered all my questions. Never made me feel small and was able to walk me through the whole process. I was able to save a good chunk of money, which will help me out with my everyday life.

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    Billing

    Reviewed April 25, 2025

    Probably the best decision I’ve made. Would much rather save monthly and have more cash in my pocket than holding on to the maxed out cards that literally kept the same balance each time a made a payment. Initial hit on credit which isn’t great right now anyways so I can get out of this hole in 42 months? Sounds like a deal to me.

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      CoverageStaffBillingLoan Process

      Reviewed April 19, 2025

      Natasha, thank you. I have nothing but great things to say about SteadyWise. Natasha was thorough and very knowledgeable. I recently bought a new home and had to take out several loans to cover my new expenses. I was hesitant to let my credit score go down, but Natasha was able to explain why getting a lower payment now and becoming debt free in 4 years will leave me better off in the future. I would recommend SteadyWise to any that is looking for financial freedom.

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      Customer ServiceStaffTransparency

      Reviewed April 18, 2025

      Steadywise has truly been a game-changer for my financial journey! From day one, their team was transparent, supportive, and made me feel confident in the process. They helped me reduce my debt significantly and created a manageable plan that actually works for my lifestyle. Communication was always clear, and I never felt left in the dark. I’m finally seeing the light at the end of the tunnel, and it’s all thanks to Steadywise. Highly recommend to anyone serious about taking control of their finances!

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      Reviewed March 12, 2025

      Tony has done a wonderful job. Maybe feel comfortable in a conversation completely. Made you feel comfortable about the actions? He was taking. I really appreciate the way he did the job he did. This is Kenneth **.

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      Customer ServiceStaff

      Reviewed Feb. 17, 2025

      I wanted to take a moment to express my sincere gratitude for the exceptional customer service I received from Daniel **. From the moment I reached out with my query, Daniel’s professionalism and attentiveness stood out. He went above and beyond to ensure that I was not only satisfied but truly taken care of throughout the entire process. His communication was clear, timely, and friendly, making the entire experience feel seamless.

      What really impressed me was Daniel’s deep knowledge of the product and services. He answered all of my questions with patience and clarity, providing insightful recommendations that were tailored to my needs. It was evident that he genuinely cares about his customers and is dedicated to delivering the best possible experience.

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      Punctuality & SpeedStaff

      Reviewed Jan. 24, 2025

      Daniel was a life saver in a time where I thought my options were only bankruptcy. He was calm, assured me and guided me through all steps of the process. He was patient and waiting until I was fully committed to take the next steps. Could not recommend more.

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      Staff

      Reviewed Jan. 16, 2025

      Ben was a tremendous help to me in the process of determining which company to have help me through the debt resolution process. The information he provided, as well as his friendly mannerisms, ultimately led to my decision to trust SteadyWise to help me through the process.

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      PriceStaff

      Reviewed Jan. 11, 2025

      Ben was an absolute pleasure to work with and really listened to my situation and worked hard to help me get my life back on track financially. They offer the most affordable plans out there and have been so nice to work with.

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      Staff

      Reviewed Jan. 10, 2025

      Daniel was very professional and helped me to understand all the program would offer. He explained everything in a manner that I was able to understand. A true asset to your company. I would recommend him to anyone that needed help with debt reduction!!!

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      Customer ServiceStaff

      Reviewed Dec. 27, 2024

      Tony was very helpful in explaining program and very polite. Great customer service! He helped me realize the program is best for me and helped me realize my debt will be less and paid off faster. Very nice to talk to.

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      Customer ServicePriceStaff

      Reviewed Dec. 17, 2024

      Tony was very helpful and professional. I appreciate his attitude and willingness to help! I have worked with other organizations on my credit, but this program is much more affordable and viable for me to complete.

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      Punctuality & SpeedStaff

      Reviewed Dec. 11, 2024

      Daniel was very knowledgeable about his work, he was very helpful, polite, professional, patient and eager to answer questions. I really felt like I had made a wise decision after speaking with him. I can’t wait to start seeing the results on paying these creditors off. It will truly take a weight off my shoulders.

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      Verified purchase
      Staff

      Reviewed Dec. 4, 2024

      I am really excited to have the opportunity to be enrolled in this program and move forward. Tony B helped me get enrolled and set up. He was very helpful, respectful, courteous and knowledgeable. For the first time in a while, I feel like there is hope and that I can set goals again. I am experiencing a tough hardship and after this, I am looking forward to the future. Had Tony not taken the time to provide helpful information and answer my questions, I don’t know that I would be as comfortable as I am now. Definitely would recommend this program to anyone who needs it.

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      StaffBillingRates

      Reviewed Nov. 24, 2024

      Daniel was patient with me, as I was very hesitant to let these accounts go and have creditors coming for payments. But his empathy and knowledge of the subject made it clear that sure maybe I could keep paying on time but eventually interest would win out. And he was right.

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      Staff

      Reviewed Nov. 22, 2024

      I cannot begin to express how thankful I am to be able to be serviced by Ben. From beginning to end Ben was completely respectful, considerate of my 100 questions and respectful by all means. If I had to start the process all over again, God forbid, I was most definitely chose to work with Ben.

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      Verified purchase
      Staff

      Reviewed Nov. 19, 2024

      I was really nervous about starting this new journey but I had a representative by the name of Daniel ** who ensured me that I was in good hands. I look forward to establishing my credit back to where it used to be. A new ME DEBT FREE. Once again THANK YOU SO MUCH, DANIEL.

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      Verified purchase
      Staff

      Reviewed Oct. 17, 2024

      I was very anxious and frantic when Tony contacted me. He was very professional, compassionate, gentle, and very concerned. Tony made this transition from another debt consolidation smooth and easy. He led me thru the process effortlessly. I am very happy that I agreed to sign up with Luna Debt Relief. I am very grateful to Tony.

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      Verified purchase
      PriceStaff

      Reviewed Oct. 16, 2024

      Thank you for your Outstanding Agent Tony who was an ANGEL in my time of needing assistance in my situation's financial hardships. He was very professional and kindly understanding my sadness and hardship situation loss of my Son. Died August 10, 2024. Dealt with Funeral Costs and everything was unexpected. Well Done in my Help!

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      Verified purchase

      Reviewed Oct. 14, 2024

      Daniel was easy to work with and non-judgmental when it came to my debt issues. I'm now more confident that some of my debt will cease to be a weight around my neck bearing me down. As some of my debt is relieved maybe I can pay down additional debt and end up being a solvent adult. Something that's been missing in my whole adult life. Except for those two months I lived alone.

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      Verified purchase
      Staff

      Reviewed Oct. 4, 2024

      Tony explained everything thoroughly, so as I could understand everything about the program. I feel this program will help with my financial problems. I enjoyed speaking with Tony, his Ed’s very understanding and very kind to me. I think this program will really help me out. I don’t know what else I can say. Thank you Tony

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      Verified purchase
      StaffBilling

      Reviewed Sept. 30, 2024

      Cody was great and answered all my questions to help me consolidate my debt into one lower payment. Very pleased and impressed with him and the company as a whole. He was able to put a plan in place for me based on my current debt and income. Recommend this to anyone who is struggling with debt like myself.

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      Billing

      Reviewed Sept. 7, 2024

      I was so nervous and almost ashamed when I first inquired online since I found myself in significant credit card debt that was mainly my fault due to being young. Daniel at Luna Debt Relief did not one time assume or judge my situation and worked with me to get my life back on track financially. Daniel and the other lady I spoke with answered all my questions and just put my mind at ease. I am saving over $1,000 per month and can focus on other aspects of my life now. Thank you Daniel and to the Luna Debt team!

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      Verified purchase
      Customer ServiceStaff

      Reviewed July 23, 2024

      Justin made me very comfortable with this whole process. He was also extremely patient with me as there were times I said/thought I was available for a phone call but something would come up and I'd miss our time. He would always try to make it as easy as possible for me to continue the process by sending questions via email which I could answer at my leisure and was very responsive to any questions or concerns I might have had. I enjoyed working with him.

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      Verified purchase
      StaffBilling

      Reviewed July 10, 2024

      Luna Debt Relief advisor Cody ** provided detailed information on how the program works as I got behind on credit card payments due to illness and retirement, which resulted in less income. Cody was very patient with me and went over the program to reduce total debt and establish a monthly budget, saving me about $700 a month.

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      Verified purchase

      Reviewed June 3, 2024

      Was nervous about this whole the process, create a game plan to pay off my debt. Thank you for the process and make feel so at ease and happy about the process. I finally feel like I have a grasp of my future. I thought I needed to go to bankruptcy, but I realize I didn’t needed to go that route.

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      Verified purchase
      PriceStaffBilling

      Reviewed April 10, 2024

      Cody ** was very professional and nice, he worked bet hard to get us a plan that worked for us. He was great. They were able to cut my debt in half and get us a payment that fit our budget, freeing up more money so we can stay afloat. 100% recommend them to anyone struggling with debt.

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      Staff

      Reviewed March 27, 2024

      Lance was very patient and helpful! He answered all my questions and assured me that this was a good company. He explained everything and how this program could help. I felt comfortable learning and setting this up with Lance. So far I would highly recommend this program to anyone. Very positive experience. Thanks, Cathy **.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed March 21, 2024

      I'm so happy. I took the time to answer my phone calls and spoken to Cody at Luna who help me with my financial advice to resolve. My debt consolidation so helpful and understanding, knowledge, fast, resolves my credit advice. I going to have my sister to call in to get help also. THÀNK VERY MUCH!

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      Verified purchase
      Customer ServiceStaff

      Reviewed March 13, 2024

      Professional treatment by the agent! The agent was thorough and answered all of my questions! The agent always asked if I understood the questions. I was with another Company and switched as a result of the customer service I received by the agent. I am comfortable either company and the agent and look forward to working with him.

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      Verified purchase
      Refunds & PayoutsStaff

      Reviewed March 8, 2024

      The program helped me save $400/mo. Plus paying my total debt off in just 48months. This program helps me save thousands of dollars. I otherwise would have to pay for more than the next 20yrs. This was a no brainer decision. This will allow me to save extra money to my savings account.

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      SteadyWise Company Information

      Company Name:
      SteadyWise
      Formerly Named:
      Luna Debt Relief
      Website:
      steadywise.com