Pacific Debt Review

ByBestmoney StaffJan. 20, 2021
This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from certain companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the scoring that is assigned to them. The scoring that appears on this site is determined by the site operator in its sole discretion, and should NOT be relied upon for accuracy purposes. In fact, Company/product listings on this page DO NOT imply endorsement by the site operator. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information which appears on this site is subject to change at any time.

In a Nutshell

With competitive pricing and customer service, Pacific Debt is a good choice to consider when taking out a debt consolidation loan.


  • Accredited with AFCC and Better Business Bureau
  • Covers a wide variety of unsecured debt
  • No credit requirements to qualify for a program


  • Higher minimum debt than competitors

Pacific Debt Pacific Debt View Rates

Why Go with Pacific Debt

When your debts become an unmanageable problem, Pacific Debt’s debt consolidation loan professionals can help. Its team of professionals can assist you when it comes to dealing with debt consolidation, as well as helping drive down debt that has ballooned out of control due to late fees and high interest rates.

The company has over a decade of experience in the field, and employs a team of debt consolidation loan professionals that guide you through the whole process. Additionally, with strong and friendly customer support and an impressive collection of educational resources, Pacific Debt can empower you to look after your own personal finances.

What Pacific Debt Offers

  • Personal account manager to help you through the process
  • Extensive educational resource
  • Excellent and accessible customer support
  • IAPDA and AFCC certified agents
  • Wide variety of services

More Reasons to Choose Pacific Debt

This company excels in a comprehensive approach. Pacific Debt will guide you through the whole process of taking out a debt consolidation loan, and will not collect any fees throughout.

Because the company does not collect any monthly or upfront fees, it transparently acts in your interests. The company’s fees are near the lower end of the industry spectrum, between 15% to 25%, although the exact percentage might vary by state.

Services Offered 

Pacific Debt's staff have a proven track record, as well as a deep knowledge of the industry. This allows the company to, on average, reduce your monthly repayment. The company will also advise you on the right course of action for your situation, even if that does not always align with the services it offers. If you reside in San Diego, it can connect you with one of its trusted partners for debt consolidation loans. 

To start your debt consolidation loan program with Pacific Debt, pick up the phone or fill out a form on the website. From there, one of the company’s representatives will review your case, and work with you to determine the right course of action. It is important to keep in mind that this company generally works with customers that have $1,000 or more in outstanding debts. 

What's Unique About Pacific Debt

When it comes to consolidating debt responsibly and effectively, a key component that often gets overlooked is education. Pacific Debt has made knowledge a central element of its services.  The company’s webpage is full of outstanding educational tools and reading material that includes information about debt, credit scores, and other personal finance topics. Additionally, the company hosts a blog that features insightful posts about current issues and important debt-related developments.

The company’s focus on education is also reflected by its debt consolidation loan process. The company empowers you by requiring your approval to move forward and its excellent educational resources include:

  • An explanation of different debt consolidation loan alternatives
  • A blog with articles on current and relevant personal finance topics
  • An educational center with a collection of personal finance guides
  • Handbooks to understand different aspects of credit and its implications

Outside of its educational resources, it is also easy to get started with Pacific Debt. While the company operates out of San Diego, California, it provides its services nationwide. The only requirement is that you have $10,000 or more in aggregate debt.

The personalized level of service the company offers is quite impressive, with staff handling every case and assisting throughout a process, that can at times be complex and overwhelming. Even before you start your debt consolidation loan program, a Pacific Debt team member will be in contact with you to help you with all the necessary paperwork.

Pricing Details

Pacific Debt's pricing is extremely competitive when compared to industry standards. A pricing example from their site shows that their offering is significantly cheaper than other debt consolidation loan providers, both in terms of monthly fees and in terms of total amount paid. 

Site Security

The company's website and privacy policy are incredibly helpful when it comes to understanding the data they collect, as well as its exact use. The company does not ask you for any sensitive information. The company employs industry-standard measures to protect customers’ data including electronic safeguards, off-site backups, encryption, and procedural safety measures. 

Help & Support

Customer service is one of Pacific Debt’s strongest features. The company includes personalized assistance throughout the entire process. The company can be reached via email, telephone, and in-person if you are based in Southern California. It operates 5 days a week during normal business hours. 


Pacific Debt is focused on providing a customer-first approach to debt consolidation loans. The company’s process is straightforward and geared toward letting customers consolidate their debts. Additionally, the company is focused on providing its customers with useful educational resources to empower more responsible personal financial. Also, its level of customer service makes it an appealing option for any potential client. The company provides constant assistance and helps guide customers through the entire process. 

About Pacific Debt

Pacific Debt was founded in 2002 by two San Diego natives who noticed the increasing debt problem in America. The company was conceived on the principle of empowering customers and helping people deal with problems that can be incredibly damaging and life-altering. It works with customers nationwide to help fix their credit and believes in providing a customer-centric approach to debt consolidation loans. 

Physical Address

750 B Street, Suite 1700

San Diego, CA 92101

United States

Pacific Debt Pacific Debt View Rates

Pacific Debt customer testimonials

ExcellentReviews 748
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    Rosland Stokes
    Feb 26, 2021
    Everything about this process is first…

    Everything about this process is first class and excellent


  • author
    Denise B
    Feb 24, 2021
    Great customer service I was explained…

    Great customer service I was explained how the program works. Miriam Girmai was very pleasant and was very knowledgeable and very thorough in explaining to me what I need to do to make my experience a successful one.


  • author
    Johen Maldonado
    Feb 23, 2021
    God sent company

    God sent company! in very trying times, they gave me peace of mind knowing i'm in good hands and well on my way to get out of debt the right way. I don't understand why isn't everyone in debt using their system. J.M.


  • author
    Feb 19, 2021
    Very helpful and patient walking me…

    Very helpful and patient walking me through a very stressful process.


  • author
    Feb 19, 2021
    Very helpful and accommodating.big help…

    Very helpful and accommodating.big help for peope like us.100% recommended.


Pacific Debt