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Welcome to the Ascend Loan Calculator
Ascend helps you understand how to get a
fresh start
cheaper, easier, and faster. See reviews about our 100% free service.
5.0/5.0
-
270 Reviews
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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♥️)
Chezera Davids
10/18/2022
I was in tears and all by myself. I have always paid my bills, and I was always on time with my payments. Due to a custody battle, I was on my own. I had no way to feed my kids do to a garnishment. Justin reassured me that everything was going to be OK, and that I had options that I was not aware of. I am so grateful for him. He went above and beyond he delivered the most amazing service, I’ve ever had. I will forever be grateful.
Approximately how much unsecured debt such as medical, credit card and personal loans do you have? Please do not include auto or student loans.
Required
What state do you live in?
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Wyoming
Required
What is your zip code?
Required
Which of the following debt consolidation options seem most applicable to you? Choose at least one.
Debt Settlement
Installment Loan
Required
Debt Settlement
Overview:
Credit score often
lower
than 620
Does
not
need cash today
Can
not
afford monthly payments
Best For:
Debt consolidated into one payment
No program fees until first debt resolved
Generally lower monthly payment
Ready to not incur new debts
Avoids bankruptcy
Potential Downsides:
Credit score often drops temporarily
Limited to those experiencing financial hardship
Accounts may be sent to collections
Installment Loan
Overview:
Credit score often
higher
than 620
Does need cash today
Can afford monthly payments
Best For:
Debt consolidated into one payment
Credit score generally stays intact if paid on time
Can receive a better interest rate than current debt
Can continue to incur more debt
Potential Downsides:
Can be difficult to put 100% of loan proceeds to pay off existing debt and not incur new debt
May have higher interest rates than existing debt
Origination fee may be high
How often do you receive a paycheck?
Weekly
Paid every 2 Fridays (Bi-Weekly)
Paid 15th and 31st (Semi-Monthly)
Monthly
Annually
Not Applicable (Not being paid)
Required
How much do you receive in your
paycheck BEFORE taxes?
Required
What amount can you afford to pay monthly for all your debt combined?
Required
Are you behind on any of your payments?
Yes - More Than 90 Days
Yes - More Than 30 Days
Yes - Up To 30 Days
No
Required
What is your approximate FICO credit score?
Above 740
690-739
620-689
600-619
580-599
Below 580
Required
One of our loan partners stated that the company tightened the credit policy for certain credit scores, so we would like to confirm with you that no company is trying to push you into a debt consolidation program.
Okay
Required
First Name
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Phone Number
Required
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Disclaimer
: Ascend strives to keep its information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty, and estimated APR and other terms are not binding in any way. All loans presented on this page have a maximum APR of no greater than 35.99% with terms not less than 12 months to not more than 60 months. As an example, a $10,000 loan with an APR of 14.50% and a term of 36 months would cost $12,391.55 over the life of the loan. All rates are determined by the lender and must be agreed upon between the borrower and the borrower's chosen lender. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, and credit history. All loans are subject to credit review and approval. When evaluating offers, please review the lender and/or lending partner's Terms and Conditions for additional details.