Secure One Financial Services Review: Not the Help You’re Hoping For
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- Minimum debt
- Undisclosed
- Typical turnaround
- 12 to 60 months
- Fees
- 15% to 30%
Our verdict
If you’re looking for debt settlement or a consolidation loan, save yourself the headache and go to a direct provider.
Secure One Financial Services appears to offer a debt relief program and possibly personal loans. It might even offer mortgages. Or, it’s just a lead generation service. It’s all very murky, and most of the links on its website are broken. But according to its (very limited) website, it offers debt relief services with rates starting as low as 15% and it can get you out of debt in 12 to 60 months. It doesn’t state a minimum amount of debt to qualify.
Best for: No one.
The following pros and cons are based solely on what we could find on its bare bones website.
Pros
-
Rates start at 15%
-
Get out of debt in as little as 12 months
-
No minimum debt requirement
Cons
-
Rates as high as 30%
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Could take 5 years to get out of debt
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No guarantee creditors will settle
Is Secure One Financial Services legit?
It’s hard to say if Secure One Financial is legit or not, but signs point to … no, it isn’t. It could just be a lead generation service. Plus, there’s a Secure One Capital Corporation — with the same logo — that claims to be a direct mortgage lender. But when you read its reviews on the Better Business Bureau (BBB), the customer reviews and complaints mostly describe debt settlement services. There is no mention of mortgages.
If you’re looking for a debt consolidation loan, you may want to check out these legit lenders instead. Or, if you think debt settlement is the way to go, consider going with a company like Freedom Debt Relief or National Debt Relief that has a proven track record in the debt settlement space.
How Secure One Financial Services compares to other providers
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Where Secure One Financial Services falls short?
Secure One Financial Services has a very limited website. It’s basically one page and only provides minimal information. You can’t even read about its terms of service or privacy policy, practically the only other pages it has, because the links are broken.
Plus, it’s not clear if it’s a debt relief company or if they just pass on your information to a third party, which seems likely based on its no-frills website. There’s only a phone number to call, and it just directs you to leave a message.
It doesn’t even have any real customer reviews, making it difficult to trust. The only “reviews” are a handful of testimonials on its webpage, which are (not surprisingly) all glowing.
What makes Secure One Debt Relief shine?
Secure One claims that you could be out of debt in as little as 12 months, which is a shorter period than many competitors advertise. However, that’s probably only possible if you owe money to just a few creditors. The company also says it could take as long as five years.
How much can I save?
Secure One advertises potential savings up to 50% — not including fees — so more realistically, you’ll only save 10% to 35%. However, there is no guarantee that you’ll save anything at all. Creditors may not be willing to settle, and with the accumulation of interest and late fees, you could end up owing more than you started with.
How much does it cost?
The company lists rates of 15% to 30% of your enrolled debt. That means if you start the program with $20,000 in eligible debt, your fee will be somewhere between $3,000 and $6,000.
Will Secure One Debt Relief hurt my credit?
Yes. Any company claiming to offer debt settlement causes harm to your credit. Part of the program involves stopping your regular monthly debt payments. Your lack of payment will get reported to the major credit bureaus, which will lower your credit score.
Secure One Financial Services details
| Free quote or consultation | Yes |
| Services | Debt settlement |
| Minimum Debt | Undisclosed |
| Average turnaround | 12 to 60 months |
| Fees | 15% to 30% |
| Types of debt | Typically only unsecured debt, such as credit cards, personal loans, store cards, medical debts and private student loans |
| Accreditations | Unknown |
| Direct or third-party negotiations | Unclear |
| State availability | Not available in all states |
Before you sign up with a debt relief company
Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score. Depending on the company you work with, you might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.
Consider alternatives before signing up with a debt relief company:
- Payment extensions. Companies you owe may be willing to extend your payment due date or put you on a longer payment plan if you ask.
- Nonprofit credit counseling. Look for free debt-management help from nonprofit organizations like the National Foundation for Credit Counseling.
- Debt settlement. If you can manage to pay a portion of the bill, offer the collection agency a one-time payment as a settlement. Collection agencies are often willing to accept a lower payment on your debt to close the account.
Secure One Financial Services contact info
| Phone number | 833-844-3738 |
| Customer service hours | Not listed |
| Not listed | |
| X, formerly Twitter | N/A |
| N/A |
How to qualify for Secure One Financial Services debt relief
Its website doesn’t list the requirements to qualify, but here are the basics most companies look for.
- At least $10,000 in debt
- Have unsecured debt
- Live in a state where the company
How the debt settlement process works
Most debt relief companies follow a similar set of steps.
- Fill out the initial application online or call to set up a free consultation.
- Work with the provider to come up with a payment plan.
- Wait while the provider attempts to negotiate your debts for less than you owe.
- Make payments only as each debt is settled. The company takes a percentage of each debt as its fee.
Most debt relief companies say they only charge fees once each enrolled debt is settled. But read your agreement carefully to watch out for setup fees, maintenance fees or other charges.
Secure One Financial Services reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 2.64 out of 5 stars, based on 22 customer reviews |
| Trustpilot Score | Secure One Financial Services does not have any Trustpilot reviews. |
| Customer reviews verified as of | 16 August 2025 |
Secure One Financial Services doesn’t have a BBB or Trustpilot page. However, Secure One Capital Corporation, which advertises mortgages primarily, but also personal loans, does have a BBB page. Many reviewers complain of excessive solicitation from the company, and most of the others seem to be describing debt settlement — both positively and negatively.
It seems possible these reviews and complaints are directed to another company that starts with “Secure One.” But, oddly, the company’s responses to the reviews and complaints never suggest that reviewers might be referring to the wrong company. And, again, there’s no mention of mortgages.
What do people on Reddit say?
Risks of debt settlement
Consider these key risks before enrolling in a debt relief program.
- Increased debt. As soon as you stop making your monthly payments, you’ll incur late fees and interest will continue to accrue.
- It’s expensive. It could cost as much as 25% to 30% of your debt to pay for a service you could do yourself for free.
- No guarantees. Creditors may refuse to settle your debt for less than you owe.
- Potential lawsuits. Your creditors might decide to sue you in court rather than settle.
- Tax consequences. Any money you save by settling can be taxed as income.
Your reviews
Lacey Finder
Writer
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