Christian Debt Counselors specialize in debt consolidation and is base their business practices in the Christian faith. This company may offer some of the lowest interest rates in the industry, but they do lack greatly in experience and in major industry accreditations. People looking to see if Christian Debt Counselors would be a good fit for them can call for a free consultation.

Christian Debt Counselors

About the Company

Christian Debt Counselors are not new. They certainly don't have the history of the similarly named Christian Credit Counselors, but they have been going for over a decade now and that's still somewhat impressive.

The issue is that they haven't been a major debt company throughout that time and their actual experience in this matter is therefore pretty limited. Their website also looks very dated. The layout and aesthetic was probably dated back when they launched, and it doesn't look like they have done much to improve upon it since.


Despite operating for 11 years at the point of writing, Christian Debt Counselors are not accredited by the BBB. Of course, many reputable companies are turning their backs on the BBB for what they believe are bullying tactics and we fully support this. However, it does leave customers in somewhat of a quandary because they don't know if a particular company is making that decision out of principle or if there is some other reason.

In any case, there is a BBB file on them and we can only see two complaints on this. Our view is that while we would expect a debt management company to be BBB accredited, we don't think it is a major issue when they are not. Especially when that company has been operating legally for a number of years and has a host of good reviews, as is the case with Christian Debt Counselors.


There are a lot of good reviews out there for Christian Debt Counselors, which is always a good sign. At the time of writing their TrustPilot score is 9.8 out of 10 from over 150 reviews. You would expect to find more reviews from a company that openly collects them and is more than a decade old, but that's a good average rating in anyone's book.

We can't find much in terms of employee reviews, again hinting towards their relatively small size (and not just when compared to giants of the industry like National Debt Relief) but that doesn't make them any less reputable, nor does it make them less of a viable choice if you need help with your debt.

The Good

  • Average interest rate is 6.93%
  • Free Consultation
  • Available nationwide

Great Interest Rates

The most attractive selling point for Christian Debt is their average interest rate on their debt management plan. The average interest rate is 6.93%, which is the lowest we’ve seen from any of the companies mentioned before.

A rate this low will allow clients to save a good amount of money over the high-interest rates featured on most credit cards. On top of this, Christian Debt charges lower monthly fees than what clients would be paying prior to enrolling in the program. In some instances, clients have paid up to 50% less on their monthly fees.


Christian Debt’s availability nationwide makes it easy for anybody in the states to enroll with them. Many companies in the industry do not possess this same reach. This makes their services available to anybody in the nation who are in need of debt relief. Christian Debt also offers a free consultation to anybody looking to see if they can meet their financial needs.

Christian Debt Counselors Reviews

The Bad

  • Short time in the industry
  • Lacking accreditations
  • No refund policy

Short Time in the Business

Christian Debt was found in 2008, meaning they lack in experience in comparison to their competitors. Although this isn’t a deal breaker, potential clients should keep this in mind.

No Accreditations

The most glaring problem about Christian Debt is that they lack in all major industry accreditations, and their debt counselors don’t seem to be certified by any institution. The lack of accreditations can lead clients to question their business practices. We would like to see some major accreditations like the AICCCA and NFCC backing the company.

Unknown Refund Policy

We always like to see a refund policy with debt consolidation companies. Our team of reviewers was not able to find a refund policy for the company, which usually insinuates that there isn’t one.

The Bottom Line

Overall, Christina Debt does offer the best interest rates in the industry. However, the lack of experience and accreditations makes it difficult to recommend them. Although they offer free consultations, we recommend checking out our Top Recommended Debt Consolidation Providers who also offer free consultations and have more experience in the industry.

About Christian Debt Counselors

Christian Debt Counselors is a debt management company that bases their business practices in the Christian faith. Christ Debt Counselors offers both consolidation and debt settlement. With the debt consolidation program, Christian Debt Counselors offers customers a counselor who will guide them with a debt management plan that consolidates their unsecured debt into one monthly payment and negotiate an interest rates reduction.

With Christian Debt Counselors debt settlement service, customers are linked with a nationwide attorney who negotiates with the creditors on reducing the total amount of debt due to creditors as an alternative to bankruptcy.


Christian Debt Counselors Help