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Total Score

(4.8)

User Score

(4.8)

Woman makes payment with credit card

Settlement

Settlements are commonly negotiated by third-party agencies who help to discuss your dues with a creditor. In a settlement, it is usually discussed and agreed upon that the borrower pays the creditor a lump sum amount. This amount is usually less than what the borrower originally owes.

  • PROS:

  • Helps you quickly fix your financial problems

  • Might be more costly in comparison to paying the actual amount that you owe

  • CONS:

  • An immediate but a makeshift solution to your debt issues

  • Some lenders might not accept your settlement offer

Consolidation

To consolidate debt is to collectively combine all of your accounts and form them into one enormous, single debt. In debt consolidation, borrowers usually take out a big loan with a more affordable payment option or more moderate interest rates and use it to pay off several other creditors.

  • PROS:

  • Does not require collateral

  • More attainable payment options

  • Instantaneous and straightforward process

  • CONS:

  • May potentially decrease your credit score rating

  • Will accumulate a larger interest rate of up to 15-20%

  • More extended payment terms

Businesswoman Calculating Bill
Couple With Documents Calculating Finance At Home

Personal Loans

A personal loan is a process of borrowing money from banks, credit unions, online lenders, friends, or relatives with a set interest rate and payment plan. Personal loans can be categorized into a Secured or Unsecured Loan. Secured Loans are loans that require collateral or down payment while Unsecured Loans do not require any of it.

While applying for a personal loan can be a viable option, it is also crucial to consider the proposed interest rates and repayment plans being offered to you.

  • PROS:

  • A quicker method for clearing debts

  • Viable for a short-term solution

  • CONS:

  • Lengthy approval time

  • May have higher interest rates

Pacific National Funding

pac-fun-logo

Ideal Customer: Over $15,000 in debt

Total Score

(4.8)

User Score

(4.8)

Total Score

(4.8)

User Score

(4.8)

Price - % of Debt
15-25%
15-25%
Accreditations
AFCC & IAPDA
AFCC & IAPDA
Free Consultation
Yes
Yes
Min. Debt Accepted
$7,500
$7,500
Money-Back Guarantee
Yes
Yes
Number of Reviews
Sending
User Rating 0 (0 vote)

Sending
User Rating 0 (0 vote)

The Good

Simple and Easy Processing

Excellent Support System

Upfront Fees

Simple and Easy Processing

Pacific National allows its customers to experience a hassle-free method of enrollment by providing free non-obligatory consultations with specialists so potential consumers can see if the rates offered to them suit them. They have a very straightforward process of application as well as accessible tools and assistance to guide you.

Excellent Support System

Pacific National is committed to providing clients with an incomparable support system by ensuring that they receive the right advice and are joined in a program that meets their demands. While they do have an online platform for easy access to consumers, they also make it a point to reach out to them on a personal level by keeping them up to par with the status of their account and guiding them through its development.

No Service Fees

While the company is driven to constantly improving its method of aiding clients and providing impeccable services through constant training and development courses, it is important to note that they do not charge customers for this through subtle add-on charges or miscellaneous fees and maintain very fair and flexible rates for the programs they offer.

The Bad

No Perks or Bonus Offers

No Perks or Bonus Offers

Consumers normally love getting great deals and bonuses when they pay for something. Sadly, this is one marketing ploy that seems to be amiss with Pacific National. While a lot of their competitors offer special rates, referral bonuses, and discounts when enrolling into a specific program, Pacific National doesn't. Although we cannot force them to add perks like these, still, it would be nice to get a discount voucher once in a while.

Overall, Pacific National is a family-oriented company driven to helping their clients in getting out of their financial problems. Their belief that a person's past does not dictate their future, allows them to provide warm and compassionate services to clients while providing the best solution for them. Their hassle-free application process and their refreshing and innovative process has made a lot of their consumers happy. And for this, we are giving them a 10/10 for overall performance.

Contact Information

Website: pacificnationalfunding.com/
Email: Contact Form
Address: Pacific National Funding, 101 S Reid St., Sioux Falls, SD 57103-7045

We'll Introduce You!

Call our recommended rep over at Pacific National Funding below.

Pacific National Funding
pacific-national-300x174

Name: Pacific National Funding

Description: Pacific National Funding is dedicated to helping you get up from your financial setbacks and starting a new slate. They provide the best service when it comes to streamlining your finances and signing up for a debt consolidation program that matches your needs and is guaranteed the best-priced in the industry.

Price range: $3500-$10,000

Payment accepted: ACH

Currencies accepted: USD

Address: 101 S Reid St., Sioux Falls, SD 57103-7045

Telephone: 877-353-1049

  • Pacific National Funding Review
    (4.8)
4.8

Pacific National is a family-oriented company driven to helping their clients in getting out of their financial problems.

Pacific National is a family-oriented company driven to helping their clients in getting out of their financial problems. Their belief that a person’s past does not dictate their future, allows them to provide warm and compassionate services to clients while providing the best solution for them.

Pros

Simple and Easy Processing Excellent Support System Upfront Fees

Cons

No Perks or Bonus Offers

Sending
User Review
0 (0 votes)
Comments Rating 0 (0 reviews)

pac-fun-logo

Pacific National Funding

Pacific National is a family-oriented company driven to helping their clients in getting out of their financial problems. Their belief that a person's past does not dictate their future, allows them to provide warm and compassionate services to clients while providing the best solution for them.

Settlement

VS

Consolidation

VS

Personal Loans

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5 Comments

  1. Casey S December 2, 2019
  2. Kit M December 5, 2019
  3. Mel D December 8, 2019
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