4.2/5
Service Evaluation
Introduction
If you’re struggling with high-interest debt or juggling multiple payments, you might have seen Elevate 1 Financial (also known as E1F) offering tailored financial relief solutions. In this review, we’ll explain what the company does, how it works, and whether it’s a legitimate option for debt resolution. Based in Tustin, California, Elevate 1 Financial operates as a loan brokerage and debt relief provider, connecting consumers with consolidation and settlement programs designed to reduce monthly payments and simplify repayment.How Elevate 1 Financial Works
Elevate 1 Financial specializes in customized debt relief and consolidation options through partner lenders and settlement programs. The company’s process is designed to help consumers regain control over unsecured debts, such as credit cards, personal loans, and medical bills.1. Free Consultation
The process begins with a free consultation. Specialists review your debts, income, and credit standing to determine eligibility.2. Program Design
If you qualify, Elevate 1 Financial outlines possible strategies: typically a debt consolidation loan or a debt settlement program through third-party partners. Clients receive an estimate of new payment amounts, interest savings, and payoff timelines.3. Implementation
Once you approve a plan, Elevate 1 Financial facilitates enrollment, helping you make one manageable monthly payment. Funds are then directed toward your creditors or settlements, depending on the chosen program.4. Ongoing Support
Clients have access to ongoing assistance and updates on their progress, including dedicated support through the company’s client portal.Who It’s Best For
Best for consumers seeking flexible debt relief options that include both consolidation and settlement pathways.Stand Out Features
Flexible Program Options Unlike many providers, Elevate 1 Financial works with multiple lenders and settlement partners, offering clients more than one path to reduce or restructure their debt. Free Financial Consultation Initial consultations are free and designed to help clients understand all available debt relief options before committing. No Upfront Fees Elevate 1 Financial adheres to FTC guidelines that prohibit upfront charges for settlement services, ensuring fees are only charged upon successful results. Educational Resources The company provides resources to help clients build financial literacy and maintain healthier spending habits post-program.Pros and Cons
Pros
- Offers both consolidation and settlement options through verified partners.
- Free consultation with transparent cost explanations.
- No upfront settlement fees.
- BBB A+ rating and positive customer feedback on communication.
Cons
- Not all clients qualify for both program types.
- Partner-lender terms may vary.
- Limited independent performance data available.
Is Elevate 1 Financial Legit?
Yes. Elevate 1 Financial is a legitimate financial services company with an A+ rating on the BBB and several years in business. They operate transparently under their loan broker license in California, offering debt relief and loan facilitation under regulatory oversight. While customer experiences can vary depending on the partner program chosen, most reviewers highlight clear communication and personalized service.Final Verdict
Elevate 1 Financial stands out for combining debt consolidation and settlement flexibility, offering tailored solutions based on each client’s financial profile. Its BBB A+ rating and no-upfront-fee policy demonstrate reliability and compliance with industry standards. Though it partners with third-party lenders, their transparent consultation process and emphasis on consumer education make it a practical option for people seeking to simplify and lower debt payments.Reviews
David P
When I called, I was nervous, but the young lady helped me understand. Trami was and has been through the whole process there to help and guide me. It put me at ease and I hope to get my lif...
When I called, I was nervous, but the young lady helped me understand. Trami was and has been through the whole process there to help and guide me. It put me at ease and I hope to get my life back from what was scammed out of me. I can thank ***** ** for being there and making me whole again. Thank you Trami I appreciate everything you have done
Lauren E
Elevate 1 has been extremely helpful for me and my family! Our credit card debt was at a point where we could not keep up and felt that there was no hope. This program has offered us hope an...
Elevate 1 has been extremely helpful for me and my family! Our credit card debt was at a point where we could not keep up and felt that there was no hope. This program has offered us hope and a financial future by assisting in lowering our payments and seeing a light at the end of the tunnel to being free from credit card debt!
Victoria V
I am so grateful to the agent at Elevate 1 Financial for helping me to better understand my debt and credit impact. When my debt increased to $30,000 with $900+/month in minimum payments I j...
I am so grateful to the agent at Elevate 1 Financial for helping me to better understand my debt and credit impact. When my debt increased to $30,000 with $900+/month in minimum payments I just couldnt keep up let alone progress in reducing my balances. I on a path to being debt free in 48 months with a lower monthly payment, breathing room and fresh start.