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National Debt Relief Debt Consolidation review

National Debt Relief's consolidation offering is a straightforward and reliable service suited to those who have smaller debts.

Our Verdict

National Debt Relief’s debt consolidation offering isn’t as expansive as some of its competitors but it does offer some solid extras for the consumer in need of, well, relief. The company has good customer reviews and a solid A+ rating on the Better Business Bureau (BBB).


  • Dedicated US support team
  • No prepayment penalties
  • No application fees


  • Limited loan maximum amount of $35, 000
  • Not a lot of information online

National Debt Relief is a well-known and stable debt relief company that’s been in business since 2008. The company has had some excellent reviews (and some not so excellent ones) and is very proud of it’s A+ rating on BBB and its happy customer reviews on well-known sites such as Consumer Advocate and Trusted Advisor. 

It offers a variety of products and is our top pick when it comes to best debt settlement companies, so if a debt consolidation loan isn’t for you, there are other debt relief offerings available. The company only just released its debt consolidation solution in September 2019 but is already on track to be one of the best debt consolidation companies out there. 

Consolidate your debt

If you're struggling under the weight of debt, National Debt Relief could help get your finances back on track. Contact them to see how they could help you today.VIEW DEAL ON National Debt Relief

National Debt Relief Debt Consolidation review: Features

  • Loan amounts from $2,000 to $25,000
  • Payback periods from 24-60 months
  • Loans paid directly to the creditors
  • Prequalify without affecting credit score

The debt consolidation service offered by National Debt Relief is slightly less flashy than some competitors such as Discover, but is unique in that it uses the funds from the loan to directly pay off the creditors, rather than you handling all of the admin yourself. Discover offers this as well, but it’s an optional extra rather than a built-in feature, as it is with National Debt Relief.

The debt consolidation offering from National Debt Relief allows for you to consolidate your debts primarily from credit cards and only goes up to $35,000, so you won’t be able to manage massive debts with them. If you have larger debts, someone like Wells Fargo Debt Consolidation offers up to $100,000. The one downside of National Debt Relief is that you do need to go through a whole process before you can find out what kind of loan you’re eligible for and what your APR will look like. It’s a slight drawback given other sites will give you an almost immediate view of your debt consolidation potential. The positive, though, is that your application process won’t impact your credit score, so it's a safe option.

National Debt Relief Debt Consolidation review: Interface and usability

  • Lots of customer information
  • Poor website navigation
  • Online portal to help customers manage money

National Debt Relief has developed an online portal for its customers that allows them to log in and use a variety of online tools to manage their money. These tools range from debt consolidation information through to interest rate calculators and helpful videos. That said, finding information about the company’s consolidation solution on the site is tricky at best. Much of its offering is couched in between how-to videos and articles that explain what debt consolidation is and how it works.

This brings the site down in terms of usability, even though the interface is well-designed and engaging. To apply for your loan, you will need to fill in an online form with your email and phone number so that a consultant can call you back to discuss your requirements. This can make assessing their offering against competitors a bit time consuming. However, there is an entire section on the site that breaks down what you can expect to pay if you have a good credit score across several different amounts. So for instance, if you take a loan of $35,000 with a credit score of 740-799, you can expect an interest rate of 10.99%, and a payback period of between 24 and 60 months. The average APRs tend to vary from 5.99% to 36% APR.

National Debt Relief Debt Consolidation review: Quality of product

  • Limited information online
  • New to market but comes with good features
  • No fee or credit score hit on application

National Debt Relief has been up and running for around 12 years and enjoys some superb customer reviews from those who have used their services and saved their finances. The product released for its debt consolidation portfolio is relatively new, so there's a good chance it may be tweaked or added to in the coming months. That said, it’s already on a par with competitor offerings in terms of its available loan amounts, APR rates, credit score checks and loan payment options. The online portal is a great extra for those who want to take even deeper control of their finances, and is an important facet.

Another value add is the volume of information on the site designed to help customers understand more about their finances and the risks of debt consolidation. The company doesn’t mince its words; it goes straight into the details of the risks that come with debt consolidation, why it won't be the best choice for everyone, and what to look out for. It's similar to something like InCharge Debt Consolidation, which tries to educate you about how best to manage your finances.

Should you use National Debt Relief Debt Consolidation?

National Debt Relief has a small but compelling debt consolidation solution available. While the process of accessing it isn't the clearest, it is competitively structured and priced. The fact that the company pays the creditors directly for you is a big tick in the plus column, as is the free application process and avoiding a hit on your credit score when you apply. The limited information online that forces you to speak to someone to get a quote is frustrating, especially if you prefer to simply figure things out via a website, and the lack of a search function is equally frustrating.

It’s not the most dynamic solution, but the company has a good reputation, is accredited with the BBB and has put some thought into the kind of services people want when they consolidate their debts. When you're dealing with something as complex and important as debt, these things matter massively.

Consolidate your debts with National Debt Relief

Find out if you qualify for debt relief and how quickly you could be debt free by contacting National Debt Relief. View Deal