We earn commissions from brands listed on this site, which influences how listings are presented.
BestMoney.com

Pacific Debt

Reviews 1,986
Bestmoney Staff
Feb. 25, 2025
2 min read
BestMoney Staff
Pacific Debt Summary
Pacific Debt, a California-based company founded in 2002, offers debt consolidation services to help consumers manage and reduce their overall debt burden by combining various unsecured debts. Their focus on personalized assistance and a fast, straightforward application process sets them apart in the marketplace.

Pros

  • Highly customizable plans
  • Reduce your debt by up to half
  • Excellent customer service options

Cons

  • Limited to unsecured debt consolidation
  • Fees may vary depending on program structure

Pacific Debt at a glance

8
Editorial score

Online experience

Good online resources, but no access to ratest
9.0

Customer services and support

Multiple ways of reaching lender, wide range of hours
9.0

Geographical availability

10-30 states
6.0

Types of debt covered

Offers flexible, personalized repayment plans & the option for special repayment programs
10.0

Repayment flexibility

Niche lender
6.0

Why Go with Pacific Debt

Pacific Debt’s services are designed for customers looking to manage or reduce high levels of unsecured debt. Their tailored options, supported by experienced advisors, make them suitable for clients who seek personalized assistance rather than automated solutions. Pacific Debt emphasizes customer education and transparency, ensuring borrowers understand their repayment plans and options.

What’s Offered

Pacific Debt provides a comprehensive debt consolidation offering tailored to simplify debt repayment for individuals managing multiple unsecured debts. This consolidation approach helps clients potentially reduce the amount they owe substantially.

Pacific Debt's dedicated team works closely with clients, offering guidance on available options and assisting them in structuring a plan that aligns with their financial goals and capabilities. This client-focused approach makes Pacific Debt a suitable option for individuals who seek structured support throughout the debt consolidation process and prefer a transparent, educational partnership in managing their debt.

Highlights

Pacific Debt provides a streamlined solution for debt consolidation by offering:

Personalized Plans: Loans are adjusted to fit individual financial situations, potentially lowering interest rates and reducing monthly payments.

Transparent Terms: Clear, upfront information about loan terms, repayment schedules, and associated fees.

Dedicated Advisors: Experienced advisors guide clients through the debt consolidation process, offering support and clarification.

Types of Debt Covered

Pacific Debt primarily covers unsecured debts, including:

  • Credit card debt
  • Medical bills
  • Personal loans

Site Security

Pacific Debt’s website employs SSL encryption to protect user data throughout the application process. They adhere to industry standards in data privacy, ensuring that customer information remains confidential and secure against potential breaches. Customers can confidently enter personal and financial information, knowing it is encrypted and safeguarded.

Help & Support

Pacific Debt offers robust customer support services available through phone and online contact methods. Support representatives are knowledgeable about debt consolidation loan processes and can provide detailed answers to clients' questions. Hours of operation cover standard business hours with extended options, ensuring accessibility for clients in different time zones. Pacific Debt also maintains an informative FAQ section that addresses common questions and concerns about their services.

Contact Information

Phone: 1-800-909-9893

Website: pacificdebt.com

Address: 750 B St Suite 1700, San Diego, CA 92101

Hours: Monday-Friday, 8 AM to 5 PM (PST)

Summary

Pacific Debt offers solutions designed to reduce the complexity of managing multiple debts. Their emphasis on transparency, flexibility, and dedicated customer support ensures a smooth, secure experience for borrowers. Pacific Debt is ideal for clients seeking to combine multiple unsecured debts into a manageable, single-payment solution.

Methodology

This review was created using data from Pacific Debt's website, industry comparison tools, and customer feedback platforms.

Disclaimers: Having explored the features and benefits of this product, you might be curious about how it stacks up against its competitors. We encourage you to visit our comprehensive comparison chart for a broader perspective. This chart offers a detailed juxtaposition of this product with other leading brands, highlighting differences in features, pricing, and customer ratings. It’s an invaluable resource for contrasting your options and making an informed decision that best suits your needs. Don’t miss out – take a moment now to view our comparison chart and see how your chosen product compares in the wider market.

AI was used in the creation of this content, along with human validation and proofreading.


BestMoney Staff
Written by
Bestmoney Staff
The BestMoney.com editorial team is composed of writers and experts covering a full range of financial services. Our mission is to simplify the process of selecting the right provider for every need, leveraging our extensive industry knowledge to deliver clear, reliable advice.
Top Debt Consolidation
Freedom DR
Freedom DR
Read Review|Visit Site
Read all reviews

Must Reads

Should You Get A Debt Consolidation Loan To Pay Off Your Credit Cards?
Mar 29, 2025
How to Pick the Right Debt Consolidation Loan?
Mar 29, 2025
Recommended Debt Consolidation Loan Companies
Mar 29, 2025
Read all articles
Trustpilot reviews
See what some customers are saying about Pacific Debt
Excellent • Reviews 1,986
on
Excellent
85%
Great
10%
Average
2%
Poor
1%
Bad
2%
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
Sort by