Point Break Financial: Not Trustworthy – Use These Instead
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- Max. Loan Amount
- $50,000
- APR
- Starting at 5.99%
- Min. credit score
- None listed
Our verdict
Promises consolidation loans, but complaints suggest it's a bait-and-switch for debt settlement programs.
Point Break Financial advertises loans up to $50,000 starting at 5.99% APR to potential borrowers struggling with credit card debt. But past customers report that company reps encourage them to sign up for a debt settlement program instead. It’s best to avoid this company and stick with legitimate debt consolidation loans from reputable lenders.
Best for: No one. Its lack of transparency and bait-and-switch tactics make it too risky.
Pros
-
Advertises loans up to $50,000
-
Advertises APRs starting at 5.99%
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Consolidate credit cards into one payment
Cons
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Little information about loan products on website
-
Customers report bait-and-switch tactics
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Incessant and deceptive marketing calls and flyers
Is Point Break Financial legit?
No, Point Break Financial doesn’t seem to be a legitimate loan matching service. Though it advertises loans up to $50,000 with APRs starting at 5.99%, there are no past customers who actually report getting a debt consolidation loan through the company.
Instead, they accuse the company of using bait-and-switch tactics to enroll them in a debt settlement program. And with no customer service email address, no Trustpilot profile, no social media presence and three addresses listed on three separate sites, there are a lot of red flags concerning the company’s legitimacy.
How Point Break Financial compares to other lenders
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Where Point Break Financial falls short
Point Break Financial raises a lot of red flags. Its website shares almost no useful info, only that it offers loans up to $50,000 starting at 5.99% APR. There aren’t any details about fees, repayment terms, or eligibility.
Customer service is limited to a single phone number, no email, no social media — not even a Trustpilot profile to check reviews. In fact, reviews on Yelp and the Better Business Bureau (BBB) website suggest Point Break might not offer loans at all. No one mentions actually receiving a loan. Instead, callers are pushed toward enrolling in debt settlement programs.
Many also report aggressive marketing with constant calls, flyers and messages. The company lists three different addresses, two of which are just mail drops, casting more doubt on its legitimacy. If you need help digging out of a financial hole, consider using legitimate debt relief programs instead.
What makes Point Break Financial shine?
There are few positives to highlight about Point Break Financial. According to the company’s website and marketing materials, it can connect potential borrowers with lenders offering debt consolidation loans up to $50,000 starting at 5.99% APR. However, there are no past customers who can verify actually receiving a loan.
If the company is to be believed, these funds can be used to pay off credit card debt and consolidate it into one convenient payment.
Point Break Financial loan details
| Loan amounts | Up to $50,000 |
| Terms | Information not available |
| APR | Starting at 5.99% |
| Turnaround | Information not available |
| Minimum credit score | None listed |
| Other requirements | Information not available |
| Fees | Information not available |
| Availability | Information not available |
Point Break Financial contact information
| Phone number | 855-202-9500 |
| Customer service hours | Not provided |
| Address | 1968 S Coast Highway #1028 Laguna Beach, CA 92651 |
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How to qualify for Point Break Financial
Point Break Financial doesn’t have any lending criteria listed on its website or marketing materials. The most basic requirements for loan matching services usually tend to be:
- Be the age of consent (18+ in most states)
- Be a resident of the United States
- Have valid identification
- Have an open checking account
- Have verifiable income
How to apply
Point Break Financial sends out flyers to prospective customers, so most people applying will start by going to the company website and entering a referral code. If you don’t have a referral code, here’s what to expect:
- Visit the company’s website and provide your name, email, phone number, address, date of birth, loan amount and monthly income on a form available on the company website.
- Wait for a company representative to call and discuss your options, which may include debt settlement programs.
- Review your options carefully and decide whether or not to move forward with any offers provided.
Point Break Financial reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | A- |
| BBB customer reviews | 1 out of 5 stars, based on 2 customer reviews |
| Trustpilot Score | Point Break Financial does not have any Trustpilot reviews. |
| Customer reviews verified as of | 03 June 2025 |
Point Break Financial isn’t BBB accredited, but it holds an A- rating for responding to complaints, four of which were filed in the past year. Most complaints focus on aggressive marketing, including repeated calls and flyers, even after people asked to be removed from its list.
The company has no Trustpilot profile, which is a red flag. On Yelp, it’s listed as a debt relief service, not a loan provider. Four out of five reviewers give it one star, calling it a scam. Many say they asked about a debt consolidation loan, only to be steered into debt settlement programs instead. One reviewer even said they’re worse off now, after being told to stop paying towards their credit cards.
There was one single positive review on the Yelp website, but it was left by the same person who is listed as the company manager on the BBB website. That raises the question: why would a legitimate business need to post its own glowing review?
What do people on Reddit say?
Frequently asked questions
What services does Point Break Financial offer?
According to the company’s website and marketing materials, Point Break Financial appears to match borrowers with debt consolidation lenders. But past customers report that the company is actually in the business of lead generation, trying to funnel people into costly debt settlement programs provided by its partners.
Is Point Break Financial licensed?
No, Point Break Financial is not a direct lender and does not appear to hold a lending license. Instead, it markets debt consolidation services and connects consumers with third-party lenders or service providers.
Where is Point Break Financial located?
There are three addresses provided by the company: one on the BBB website, another one on Yelp and a third on the company website. Two of the locations are in Las Vegas, Nevada, with the third in Laguna Beach, California. The Laguna Beach address provided on Point Break Financial’s website is for a mailbox rental company called physicaladdress.com, which means the company has no physical office.
What are the investment strategies used by Point Break Financial?
Point Break Financial does not appear to offer any investment services or strategies. Although it advertises debt consolidation loans, many users report being steered toward debt settlement programs instead. These programs may involve advising clients to stop making payments on their credit cards, which can hurt credit scores and lead to collection efforts.
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Christi Finder
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