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.

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.

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.