Quick Start Financial: Did You Get The Mailer?

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Did Quick Start Financial prequalify you for a loan with a 6.99% interest rate (similar to the one below)? Did you apply and get rejected for the loan, but you got approved for a debt consolidation program (aka debt forgiveness / debt resolution / debt relief / debt reduction / debt negotiation / debt settlement / debt arbitration program, the list goes on and on)? It is possible this is a common bait and switch tactic, but let’s research to find out.
Quick Start financial mailer

What is Quick Start Financial?

I could not find much helpful information on Quick Start’s website, but it appears as though they may offer loans through third parties.
Quick starts website showing loans between 5.59-18.55 apr
It appears that they have a notice at the bottom of their website that mentions the loans are funded by a third party and they do not have control over the creditworthiness for the third party. A notice at the bottom of their website warning that the loans are through a third party
 
If you are looking for a loan, we have 2 debt consolidation loan options that we like that do not affect your credit score when checking rate and do not charge prepayment penalties.
 

Important Distinction: Loans vs Programs

A debt consolidation loan and program can be helpful depending on your situation. A lot of companies will market a loan but actually push you into a debt settlement program. It is very helpful to know the difference. 
 
Loans:
  1. Proceeds for the loan will go into your bank account
  2. Generally has a fixed interest rate 
  3. May see your credit score improve if you keep up with payments
  4. Creditors do not sue (accounts stay current)
Programs:
  1. Set up an escrow account where monthly payments are deposited from. You will not receive funds into your account
  2. No fixed interest rate, but rather interest and fees continue to build until the account is charged off
  3. Potential for severe damage on your credit score
  4. Fall behind on accounts (typically 90-120 days, but may be more)
  5. Potential to pay taxes on forgiven debt
 

Quick Start Financial History

I found Quick Start Financial on WayBack Machine, where it looks like they first started appearing in September of 2023. This means they are definitely a new business. 
Wayback machine showing they appeared in 2023 originally
 

How Much Do Debt Consolidation Programs Cost?

At Ascend, we believe that debt consolidation programs (debt relief) may be a good option, but often in context in understanding all the costs and duration estimates of all your options. As such we built the free debt consolidation program cost calculator below to help you compare your current monthly obligations to a debt consolidation program.
 
 

Quick Start Financial Reviews

Reading reviews for debt relief companies can be incredibly helpful. Because Quick Start Financial is such a new company, I am unsure if I will be able to find any reviews. 
 

BBB

Unfortunately I was unable to find Quick Start on BBB. I only found companies with somewhat similar names. 
No BBB page found for Quick Start

Google Reviews

Similar to BBB, I was unable to find any Google reviews for Quick Start. 
No Google reviews found for quick start
 

TrustPilot Reviews

On TrustPilot, I found a Quick Start, but it was not the same one related to debt relief. 
Quick start on trust pilot, but not the correct one
 

Alternative Options to Quick Start Financial

Many people prefer to try to get a debt consolidation loan before looking at options such as debt management, debt payoff planning, debt settlement or bankruptcy. If you’ve searched far and wide for a loan and can qualify, consider taking the free debt consolidation program cost calculator below that allows you to compare to other options.
 
 

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Reviews

★★★★★

5.0 stars from 280+ reviews

Synthia DuBose

 08/21/2023

My family was grappling with the burden of credit card debt. We had explored various avenues, including debt relief companies and consolidation loans, but everything seemed dubious and left us feeling uncertain. That all changed when I came across Ascend and had the opportunity to connect with Justin. He reached out to me on the very same day, and from that point forward, things took a turn for the better.

I provided Justin with an overview of our financial situation, our objectives, and the timeline we hoped to achieve our goals within. He promptly outlined the possible courses of action and presented a thorough breakdown of our various options. What truly stood out was Justin’s approach—he never pressured me into making a quick decision. Instead, he offered me the information and allowed me to ask questions at my own pace.

Upon selecting the path we wanted to pursue, Justin facilitated our connection with a non-profit organization. Much to our delight, they exhibited the same level of courtesy, expertise, and patience that Justin had demonstrated. In retrospect, the entire experience instilled a sense of confidence within us. We now believe we have a solid foundation and are well on our way to achieving financial success!

Dahveed Krisna

 07/26/2022

Ben and his assistant Jeffrey from Ascend Finance did an awesome job helping me to find an attorney who could talk with me openly and honestly about Chapter 13 as an option for my financial situation. Before finding out about Ascend’s bankruptcy calculators, I was stuck on a wheel of countless offers for consolidation loans, but always steered towards debt settlement or debt management plans over and over again due to my credit score and high utilization percentage. Based on data I entered into Ascend’s calculator, Ben and Jeffrey reviewed my situation and quickly connected me with a skillful, experienced bankruptcy attorney. I finally feel like I’m on the best path to being debt free; one that will save me a lot more money than any of the debt settlement or debt management programs that other companies and agencies have offered me… THANKS Ben, Jeffrey and Ascend!!

JorJor Binks

 02/09/2024

These guys are truly a beacon for those of us with too much debt. From the start where I found Ben on the YouTube channel Ascend I have been treated as a real person by real people. Even getting a personal call helping me figure things out. I went through one of the lawyers recommended by Ascend and as of January 2nd I am debt discharged, and already have a great credit card from Mission Lane for $2000. Things are getting back into place and my life feels so much less stressful due to the weight of debt being off my shoulders.

PLEASE give these guys a call if you are even considering any sort of debt relief be it bankruptcy, consolidation, or whatever other types of debt relief are out there. I can’t thank the Ascend team enough. (I was not paid to post this, or told to do this. I am genuinely so thankful to have the help when I needed it most♥️)

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