valley national funding logo

Total Score

4.3

User Score

4.3 rating

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

Valley National Funding

Total Score

4.3

User Score

4.3 rating

Total Score

4.3

User Score

4.3 rating

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
3
3

The Good

48-Hour Response Time

Free Consultation

No Extra Fees

Reduced Monthly Payments

Giving late and outdates replies usually puts off customers and can be a frustrating experience.
Valley National Funding shows that they are customer-oriented by giving quick responses to current and potential clients within a 48-hour window. They understand that time and money are valued assets and that none of it should go to waste.

Free Consultation Services

One great perk about Valley National Funding is their free consultation services. Having this type of program gives potential customers a foresight of what they are getting themselves into so they can decide if it can cater to their needs or not.

No Extra Fees

Valley National does not charge origination fees, closing costs, or additional service fees. So you can be sure that the amount you have agreed upon is fixed and there are no risks of mid-contract increases.

The Bad

No Referral Bonus

No Referral Bonus

Although this cannot be considered as a negative, we still want to point out that they don’t have referral bonus programs or discount deal offers. Consumers typically love getting good deals out of something and having perks such as referral bonuses allows them to minimize their payments through recommendations. This could be a marketing strategy for them to consider if they want to garner more and more clients.

Despite having zero bonus offers to help minimize payables for clients, Valley Funding still stands tall in our list of competitive debt relief companies because of the way they handle customers. In our experience, they have some of the best advisers in the industry along with best-priced rates with no hidden fees. On top of that, they offer unrestricted consultation services minus the hassle of being committed to a contract. Valley Funding definitely gives you a bang for your buck.

Contact Information

Website: valleynationalfunding.com
Email: Contact Form
Address: Valley National Funding, 1600 Broadway, Suite 600, Denver, CO 80202

We'll Introduce You!

Call our recommended rep over at Valley National Funding below.

4.3
4.3 rating
4.3 out of 5 stars (based on 3 reviews)
Excellent33%
Very good67%
Average0%
Poor0%
Terrible0%

valley national funding logo

Valley National Funding

Despite having zero bonus offers to help minimize payables for clients, Valley Funding still stands tall in our list of competitive debt relief companies because of the way they handle customers. In our experience, they have some of the best advisers in the industry along with best-priced rates with no hidden fees.

Valley National Funding is simply the best!

4.0 rating
August 19, 2019

Valley National Funding is simply the best! They helped me get my refunds. Saved my life!

Rory R

I never thought my financial issue will be solved this fast!

4.0 rating
March 12, 2019

I never thought my financial issue will be solved this fast! Valley Financial are indeed experts and I trust them completely with my finances!

Emerson R

Valley National Funding has the best team.

5.0 rating
January 5, 2019

Valley National Funding has the best team. They helped me navigate through my situation and offered me feasible solutions that worked!

Mel W

Settlement

VS

Consolidation

VS

Personal Loans

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