If you’re dealing with a lot of debt and can’t keep up with your payments, you may want to consider debt relief. However, with so many different options available, it can be difficult to understand which option is right for you.

Ascend Finance can make this process easier for you by providing you with all the information you need to compare your options. The company can also offer free consultations and refer you to a company in the network for a debt relief option that you want to pursue.

In this Ascend Finance review, we’ll explore the company's operations, services, and pros and cons.

How does Ascend Finance work?

You can start by answering a few questions on the company’s website about your debts, income, and other details. The calculator then provides you with more information about all your debt relief options, the duration of the programs, pros and cons, and a comparison of how much each option costs.

Once you review the details, you can schedule a free consultation to discuss your situation. The company will provide you with a free analysis and a referral to a company from its provider network. Ascend Finance doesn’t provide debt relief in-house and doesn’t charge you anything, but it gets compensated by the company it refers you to if you sign up for a debt relief program.  

Pros and Cons of Ascend Finance

Ascend Finance may be a good option if you need suggestions for what type of debt relief services work for you. However, it's important to weigh the pros and cons to understand if it’s the right option for you.

Pros 

  • Free calculator and consultation
  • Offers detailed comparison of different debt relief options
  • Has a large network of debt relief service providers
  • A free portal with an automatic spending tracker, credit report review, and other tools and resources

Cons 

  • Doesn’t provide debt relief services in-house
  • No online chat or email is available

Services Offered by Ascend Finance 

Ascend Finance doesn’t offer debt relief services itself but offers referrals to debt relief companies within its network. Here are a few of the services for which it can provide referrals:

Other than referrals, Ascend Finance’s main offering is its’ comparison calculator that allows you to see how each option works, how much it costs, how much you can save, and how long it takes to complete. Ascend Finance also has a debt payoff calculator, bankruptcy calculator, financial hardship portal, bankruptcy credit rebuilding portal, and a fresh start portal with a spending tracker and other tools.

Costs and Fees

Ascend Finance’s calculators, debt comparison tools, and consultation services are all free to use. The company doesn’t charge anything from borrowers. Instead, it earns a small fee when it refers you to another company in its network.

Time To Complete the Program

The company doesn’t provide any in-house debt relief programs. However, you can sign up for debt settlement programs and debt management plans (DMPs) and get debt consolidation loans through its network.

The time to complete the program will depend on the type of program you enroll in, the company offering the program, the amount of debt you have, and other factors.

Expected Relief Amount

Each debt relief program works differently, and the amount of relief you get will vary. For example, a good debt settlement company may be able to help you save up to 50% of your debt before fees. If you sign up for a debt management plan with a credit counseling agency, you may be able to benefit from an interest rate reduction.

Customer Service Options

If you want to get in touch with Ascend Finance for a free consultation, you can fill out the contact form on their website. You can also call or text at (833) 272-3631.

Ascend Finance Reviews and Feedback

It’s important to read the reviews of any company you work with to learn more about what other clients have to say about their experience. Here’s a look at the Ascend Finance’s review on different platforms.

Ascend Finance Reviews on Google

Ascend Finance has 5.0/5 reviews from 287 Google reviews (as of August 2024). There’s only one 1-star review for Ascend Finance, which is apparently for another company and mistakenly left on Ascend Finance’s page.

The positive reviews on Google point to the team’s helpful recommendations, professionalism, and excellent customer service. Here’s one such review:

“My experience with Ascend was excellent from the time I logged into their website until the last conversation I had with Hinten their representative who spoke with me over the phone. He was polite, knowledgeable, on time for our call and communicated well up to the call as did Jeffrey who set the call up. It was a pleasure working with them and they provided the information I needed to be able to make my decision on how best to move forward to resolve my financial situation. Many thanks to Hinten and all at Ascend. I would highly recommend their service to anyone looking to explore debt relief options!”  

Ascend Finance Reviews on Better Business Bureau

Ascend Finance is not listed or accredited by the Better Business Bureau.

Ascend Finance Reviews on Trustpilot

As of August 2024, the company had 4.5/5 stars on Trustpilot from 16 reviews. All of the reviews on the platform are 5-star or 4-star reviews.

Most clients are happy with how easy it is to get in touch with the company, the caring and helpful approach of the team members, and the third-party service providers that Ascend Finance connected them with. Here’s one such review we found on Trustpilot:

“I completed the on-line questionnaire and received a phone call within 10 minutes. After talking with Justin, I was connected with an attorney who answered my questions and made me feel comfortable. We discussed options for my situation that allowed me to make a decision to pursue the chosen option. I highly recommend this service.”

How Ascend Finance Compares to Other Debt Relief Companies 

Since Ascend Finance doesn’t provide debt relief services, it can’t be compared to companies that offer this service. Instead, Ascend Finance is a comparison website that helps you determine which debt relief option may be right for you.

It also offers additional services that set it apart from most other companies, such as free online portals for those rebuilding their credit after bankruptcy and portals for those who want to keep track of their expenses, pay off their debts, and build better money management habits.

Is Ascend Finance Worth It?

Whether you want to explore the best debt relief options for your financial needs or want to improve your credit after a Chapter 7 bankruptcy or Chapter 13 bankruptcy, Ascend Finance is a good option. The free online tools and resources, as well as the consultations, can help you understand your options.

Ascend Finance also offers referrals to other companies within its network, though you’re not obligated to work with them. Since it’s not a direct service provider, you won’t pay a fee to Ascend Finance.