Borrow Smarter. Protect Better. Grow Faster.
Extreme Financial Fix unifies low-rate loans, airtight insurance coverage, and growth-focused investments under one roof — guided by licensed advisors who build every plan around your goals, not ours.
A Financial Partner That Puts Your Family First
Since 2014, we've helped everyday Americans turn financial stress into financial strength.
One Roof for Borrowing, Protecting & Growing Your Wealth
Extreme Financial Fix began in Baggs, Wyoming with a simple belief: financial guidance should be transparent, personal, and accessible to everyone — not just the wealthy. Today we serve clients in all 50 states with a full suite of loan, insurance, and investment services.
We don't sell products; we build lifelong financial roadmaps. Every recommendation is explained in plain English, priced with zero hidden fees, and reviewed as your life evolves.
- Integrity before profit, always
- Radical fee & rate transparency
- Clients before commissions
- Lifelong partnership mindset
- Data-driven, fiduciary-minded advice
- Inclusive access for every budget
Our Vision
An America where every family accesses clear, honest financial guidance and builds lasting generational wealth.
Our Mission
To make borrowing affordable, protection complete, and wealth-building simple for 100,000 Americans by 2030.
Our Values
Honesty, empathy, and excellence in every conversation — from first call to final signature and beyond.
Our Principles
Transparent pricing, fiduciary-minded advice, inclusive access, and continuous innovation in service.
A Track Record Written in Real Results
Years of Experience
Happy Clients Served
Loans Funded Nationwide
Client Satisfaction Rate
Founded in Wyoming
Opened as a boutique loan advisory in Baggs, WY.
Insurance Division
Launched 9 coverage lines to protect our borrowers.
Investment Desk
Added wealth management & retirement planning.
All 50 States
Went nationwide with digital-first onboarding.
$250M Funded
Celebrated our 10,000th client milestone.
The Plus Credit Difference
Six reasons thousands of Americans trust us with their money — and their future.
Licensed & Secure
State-licensed advisors, bank-level 256-bit encryption, and fully confidential handling of every file.
Fast Digital Approvals
Most personal and auto loan decisions within 24–48 hours through our paper-light digital process.
Advice, Not Pressure
No pushy sales tactics and no hidden commissions. If a product isn't right for you, we'll say so.
Data-Driven Strategies
Rates, coverage, and portfolios are benchmarked against national data so you always get a competitive edge.
Transparent Pricing
Every fee disclosed upfront in plain English. The quote you sign is the price you pay — period.
7-Day Human Support
Real advisors answer Monday–Saturday. Your dedicated contact knows your file by name.
Your Plan in 4 Simple Steps
Book Free Consultation
Call or book online. We listen to your goals — no cost, no obligation.
Get Your Personal Plan
Receive a tailored loan, coverage, or investment roadmap in plain English.
Fast, Paper-Light Signing
Secure e-signatures and digital uploads. Most files clear within days.
Grow With Ongoing Support
Annual reviews, rate checks, and life-change adjustments — forever included.
Low-Rate Loans for Every Life Milestone
Competitive fixed & variable rates with terms shaped around your budget — never the other way around.
Home Loan
First home or forever home — fixed-rate financing with down-payment assistance guidance.
Check My Rate
Education Loan
Tuition, housing, and study-abroad funding with deferred and income-driven repayment options.
Check My Rate
Business Loan
Startup capital, equipment, and expansion lines up to $1M with flexible repayment schedules.
Check My Rate
Auto Loan
New or used vehicle financing with decisions in hours and zero prepayment penalties.
Check My Rate
Personal Loan
Consolidate debt or cover life's surprises with unsecured loans from $1K to $100K.
Check My Rate
Mortgage Loan
Purchase, refinance, or tap equity with HELOC programs and expert rate-lock strategies.
Check My Rate
Your Dreams Deserve a "Yes." 💙
Get a personalized loan offer within 24 hours — checking your rate never affects your credit score.
Start My Application (970) 756-5088
Coverage That Never Lets You Down
Nine essential lines of protection, compared across top-rated U.S. carriers so you never overpay.
Auto Insurance
Liability, collision, and roadside coverage with safe-driver discounts up to 32%.
Get QuoteHealth Insurance
Individual & family plans balancing affordable premiums with real coverage.
Get QuoteLife Insurance
Term & whole life policies that keep your family's future financially safe.
Get QuotePet Insurance
Vet bills covered for the furry members of your family, accidents to illness.
Get QuoteOne Bad Day Shouldn't Cost You Everything. 🛡️
Get a free coverage audit — we compare top-rated U.S. carriers and most clients save $400+ per year.
Compare Free Quotes Talk to an Advisor
Make Your Money Work Overtime
Diversified, risk-calibrated strategies managed by certified professionals.
Investment Management
Fully managed portfolios rebalanced quarterly and calibrated to your risk profile, timeline, and tax situation.
- Dedicated portfolio manager
- Quarterly rebalancing & tax-loss harvesting
- Transparent flat-fee pricing
Stock Investment
Research-backed U.S. equities and ETFs for growth-focused investors with disciplined entry and exit rules.
- Curated blue-chip & growth picks
- Monthly market insight reports
- Risk-managed position sizing
Gold Investment
Allocated physical gold and gold-backed securities that hedge inflation and stabilize your portfolio.
- IRS-approved bullion options
- Secure insured storage
- IRA-eligible gold programs
Mutual Funds
Instant diversification through low-expense index and actively managed funds from $100 per month.
- Start with just $100/month
- Auto-invest & dividend reinvestment
- Low-expense fund selection
The Best Time to Plant a Portfolio Was 20 Years Ago. The Second-Best Time Is Today. 🌱
Book a free 30-minute strategy session and see exactly what your money could become in 10 years.
Book Free Strategy Session
Every Financial Need, One Trusted Partner
Wealth Management
Holistic planning that unifies your assets, income, and legacy into one coordinated strategy.
Retirement Planning
401(k), IRA, and income projections engineered so you can retire on your own schedule.
Credit Score Repair
Dispute errors, rebuild payment history, and watch your score climb — clients average +90 points.
Debt Relief
Structured consolidation and negotiation programs that cut monthly payments up to 50%.
Credit Card
Rewards, cash-back, and low-APR card matching tuned to your spending patterns.
Master Card
Premium Mastercard® tiers with travel perks, purchase protection, and global acceptance.
Tax & Estate Planning
Tax-smart investing and estate structures that protect what you pass on.
Auto Warranty
Extended coverage plans that shield your budget from surprise repair bills.
Digital Payments
Modern payment setups, smart budgeting accounts, and secure digital wallet onboarding.
Simple Plans, Zero Surprises
Start free. Upgrade only when you're ready for a dedicated financial co-pilot. Cancel anytime.
Foundation
Perfect for getting started
- Free consultation & needs analysis
- No-impact credit rate check
- Basic budgeting blueprint
- Email support (48h response)
- 1 annual plan review
Wealth Builder
For families building momentum
- Everything in Foundation
- Dedicated personal advisor
- Credit score repair program
- Quarterly portfolio reviews
- Annual insurance savings audit
- Priority phone support
Private Client
Complete wealth concierge
- Everything in Wealth Builder
- Full wealth & estate management
- Tax & estate planning sessions
- Family-wide coverage planning
- 24/7 concierge line
Reserve Your Free Consultation
Pick a service and a time — an advisor will confirm within one business hour.
Real Americans. Real Results.
4.9/5 average across 2,300+ verified reviews nationwide.
"Plus Credit made our first home purchase feel effortless. They locked a 4.8% rate when everyone else quoted 6%+, and explained every single fee before we signed."
"Their free coverage audit cut my auto insurance by $480 a year with better limits. I only wish I'd called them sooner."
"My portfolio is finally disciplined and diversified. Quarterly reviews keep me from panic-selling — my account is up 18% this year."
"We retired 3 years earlier than planned. The retirement roadmap they built in 2021 carried us through two market dips without panic."
"My score went from 589 to 742 in eleven months. They disputed errors I didn't even know existed and coached me through every step."
"$120K business loan funded in 9 days to buy new equipment. Clear terms, no surprises, and my advisor still checks in every quarter."
Questions? Answered Honestly.
All 50 states. Our digital-first onboarding means you can consult, sign, and manage everything online — and our Wyoming headquarters is always open for in-person visits.
No. Pre-qualification uses a soft credit pull that never affects your score. A hard inquiry only happens after you choose an offer and authorize us in writing.
Personal and auto loans are typically decided within 24–48 hours. Home and mortgage loans usually close in 2–3 weeks depending on appraisal and title work.
Book a free coverage audit. We review your assets, dependents, and state-specific risks, then recommend only the coverage that genuinely protects you — never padding policies.
You can open a managed portfolio with as little as $250, or start a mutual-fund auto-invest plan from $100 per month. Wealth grows on consistency, not size.
Yes. Our advisors and partner professionals hold applicable state licenses for lending, insurance, and investment advisory, and follow fiduciary-minded standards on every recommendation.
Consultations and quotes are always free. Advisory plans start at $49/month, and any loan origination fees are disclosed upfront before you sign anything. No hidden charges, ever.
Usually just a government ID, proof of income (recent pay stubs or tax return), and basic account statements. Your advisor sends a personalized checklist after your first call.
Let's Talk About Your Future
Mon–Fri 8am–7pm · Sat 9am–4pm (MT)
Replies within one business day
342 County Rd #603, Baggs,
Wyoming 82321, USA
Average reply time under 60 minutes during business hours.