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We provide debt consolidation services. Consolidation loan options offered by our affiliates range from $1,000 to $100,000, with Annual Percentage Rates (APRs) ranging from 4.9% to 35.99%, origination fees between 1% and 6% of the amount financed, and loan terms from 6 to 84 months. Loan Example: A loan of $20,000 with a 5% origination fee, a 36-month term, and an interest rate of 15% would provide the borrower with $19,000 (after the $1,000 origination fee). The monthly payment would be $693.44, equating to an APR of 17.24%. Over the life of the loan, the borrower would pay $4,963.84 in total interest, for a total repayment of $24,963.84. Only the most creditworthy borrowers qualify for the highest loan amounts and lowest rates. Clients pursuing other debt consolidation options who make all monthly deposits, on average, repay approximately 55% of their enrolled debt before fees. Fees are based on a percentage of enrolled amounts (typically 25%) and are success-based. On average, our debt consolidation programs run 24 to 48 months in duration. ⸻ Important Information • We cannot guarantee specific outcomes from debt consolidation performance. • Our services are not available in all states; fees may vary depending on jurisdiction. • Use of debt consolidation services may temporarily lower your credit score. • You may still be subject to collections or lawsuits by creditors or collectors. • Outstanding obligations may increase from the accrual of interest and fees. • Certain creditors and types of debt are not eligible. • C.P.D. Reg. No. – 21-04861. ⸻ Equal Opportunity Serra Nova Financial does not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry. ⸻ Testimonials Testimonials reflect the individual opinions of clients and may not represent the experience of all clients. Results vary.
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We provide debt consolidation services. Consolidation loan options offered by our affiliates range from $1,000 to $100,000, have Annual Percentage Rates (APR) ranging from 5.5% to 35.99%, origination fees ranging from 1% to 6% of the amount financed, and loan terms from 6 to 84 months. For example: a loan of $20,000 with a 5% origination fee ($1,000), a 48-month term, and an interest rate of 16.00% would provide a net loan amount of $19,000. The monthly payment would be $566.94, equating to an APR of 18.23%. The total interest paid over the life of the loan would be $7,172.94, and the total cost of the loan (interest + origination fee) would be $8,172.94. The total of all monthly payments would equal $27,172.94. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates. Clients pursuing other debt consolidation options who make all required monthly deposits, on average, pay back approximately 55% of their enrolled debt before fees. Program fees are success-based, generally up to 25% of enrolled debt, and vary by state. Average program duration is 24–48 months. We cannot guarantee specific results. Services are not available in all states, and eligibility depends on individual circumstances. Using debt consolidation services may negatively impact credit, subject clients to collections or lawsuits, and increase balances from accrued fees and interest. Certain debts or creditors may not qualify. Serra Nova Financial does not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry. Testimonials reflect individual opinions and experiences, which may not represent typical results.
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