Simple Debt Solutions Reviews
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About Simple Debt Solutions
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Simple Debt Solutions offers debt consolidation services to consumers across the U.S. When you contact Simple Debt Solutions, a loan specialist will look over your financial situation and connect you with a debt consolidation loan offer from one of its lending partners. Simple Debt Solutions’s lending partners offer loans of up to $100,000. It’s headquartered in Encino, California.
- Free consultation
- Get offers without credit impact
- Get up to $100,000 for a loan
- Not a direct lender
What is Simple Debt Solutions?
Founded in 2020, Simple Debt Solutions is a referral company that connects individuals with debt consolidation loan lenders in its partner network. It works with consumers across the U.S., but its partners’ loan offers may not be available in all states. It’s best to contact the company directly to confirm if loans are currently offered in your state.
How does Simple Debt Solutions work?
Through Simple Debt Solutions, you’ll fill out a form with your debt details and get connected to lending partners that match your criteria. Requesting a quote is free, and checking offers will not affect your credit score. You can also change your mind after requesting a quote. You won’t be locked into a new loan unless you fully agree to move forward with your chosen lender.
With its partners’ debt consolidation loans, you can combine all of your debts into one loan with one payment. It works best with unsecured debt, such as credit card debt or personal loan debt. You’ll then receive a new loan that you can use to pay off those debts. Debt consolidation loans may come with lower interest rates than what you were paying previously and make debt repayment more manageable.
Simple Debt Solutions products and services
Simple Debt Solutions’ lending partners provide loans with different terms and rates. Its lending partners offer loan amounts of up to $100,000 and term options ranging between two and seven years.
Its lenders’ annual percentage rates (APRs) range from 7.99% to 35.99% as of April 16, 2026. The rate you’ll be offered will vary by lender, but it will generally depend on your creditworthiness.
Simple Debt Solutions fees
Simple Debt Solutions doesn’t charge consumers origination fees or service fees. Instead, it earns money from its lending partners.
Simple Debt Solutions’ lending partners may charge fees, and fees will vary from partner to partner. Before deciding on a lender, be sure you know what its origination fees are, as well as any other fees, such as prepayment penalties or late fees.
FAQ
Does Simple Debt Solutions have a money-back guarantee?
Simple Debt Solutions doesn’t charge consumers fees for using its services, and it serves primarily to connect consumers to loan offers from its lending partners, so it doesn’t offer a money-back guarantee.
Do I need a hardship to use Simple Debt Solutions?
No, you don’t need to demonstrate hardship to use Simple Debt Solutions. Simple Debt Solutions is likely better suited for individuals who want to manage their debt and still have good financial and credit standing. If you’re experiencing hardship or have a damaged credit score, credit counseling or debt settlement programs might be a better option.
Will using Simple Debt Solutions hurt my credit score?
Using Simple Debt Solutions to check loan offers will not hurt your credit score. If you apply for a loan, you can expect a hard credit check, which might lower your credit score temporarily. However, if you use a debt consolidation loan and make regular, on-time payments, you should see your credit score improve over time.
Still have questions?
Is Simple Debt Solutions legit?
Yes, Simple Debt Solutions is a legitimate company, but it’s important to emphasize that it doesn’t originate or fund loans. Instead, it will connect you with one of its lending partners’ loan products. Terms and credit approval will vary depending on the lender.
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Simple Debt Solutions Company Information
- Company Name:
- Simple Debt Solutions
- Website:
- www.simpledebtsolutions.com