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Account Settlement Representative I - Consumer Loans Salary in the United States

How much does an Account Settlement Representative I - Consumer Loans make in the United States?

As of August 01, 2026, the average salary for an Account Settlement Representative I - Consumer Loans in the United States is $38,800 per year, which breaks down to an hourly rate of $19.

However, an Account Settlement Representative I - Consumer Loans's salary can vary significantly. Here’s a look at the typical salary range:

  • Top Earners (90th percentile): $44,340
  • Majority Range (25th-75th percentile): $35,800 to $41,700
  • Entry-Level (10th percentile): $33,069
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View as table View as graph 25% $35,800 10% $33,069 90% $44,340 75% $41,700 $38,800 50%(Median) Didn’t find job title? Click

Account Settlement Representative I - Consumer Loans Salaries by Percentile

Annual
Salary		 Monthly
Pay		 Weekly
Pay		 Hourly
Wage
75th Percentile $41,700 $3,475 $802 $20
Average $38,800 $3,233 $746 $19
25th Percentile $35,800 $2,983 $688 $17
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Key Factors That Influence Account Settlement Representative I - Consumer Loans Salaries

An Account Settlement Representative I - Consumer Loans's salary isn't a fixed number. It's shaped by several important factors. Below, we'll explore how your years of experience, geographic location, education, and company size can directly affect your earning potential.

How Experience Level Affects Account Settlement Representative I - Consumer Loans Salaries?

Experience is a primary driver of an Account Settlement Representative I - Consumer Loans's salary. As you build your skills and take on more complex tasks, your compensation generally increases. Here's how the average salary grows at different career stages:

  • Account Settlement Representative I - Consumer Loans (0-1 years): $38,737
  • Account Settlement Representative II - Consumer Loans (1-3 years): $43,295
  • Account Settlement Representative III - Consumer Loans (3-5 years): $47,932
  • Account Settlement and Recovery Supervisor - Consumer Loans (5+ years): $59,988
  • Account Settlement and Recovery Manager - Consumer Loans (5+ years): $103,197
Job Role Years of Experience Average Salary
Account Settlement Representative I - Consumer Loans0-1 years$38,737
Account Settlement Representative II - Consumer Loans1-3 years$43,295
Account Settlement Representative III - Consumer Loans3-5 years$47,932
Account Settlement and Recovery Supervisor - Consumer Loans5+ years$59,988
Account Settlement and Recovery Manager - Consumer Loans5+ years$103,197
$38,737 Account S...
$43,295 Account S...
$47,932 Account S...
$59,988 Account S...
$103,197 Account S...
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What Am I Worth?

How Do Account Settlement Representative I - Consumer Loans Salaries Vary from State to State?

Your salary can change significantly depending on where you work. States with a higher cost of living and strong industrial sectors often pay more to attract Account Settlement Representative I - Consumer Loans. For example, consider the average annual salaries in these key locations:

  • District of Columbia: $42,900.
  • California: $42,800.
  • Massachusetts: $42,200.

Top Paying Cities for Account Settlement Representative I - Consumer Loans

Salaries can also vary between different cities. Major metropolitan areas or cities with a high demand for technicians often offer more competitive pay. Here are a few examples of average annual salaries in different U.S. cities:

  • San Jose: $48,900
  • San Francisco: $48,400
  • Oakland: $47,400

What Skills Can Increase an Account Settlement Representative I - Consumer Loans's Salary?

Demanded Skills for the Role:

  • Customer Service (Mentioned in 18.93% Job Postings): Customer service is the provision of service to customers before, during and after a purchase. The perception of success of such interactions is dependent on employees "who can adjust themselves to the personality of the guest". Customer service concerns the priority an organization assigns to customer service relative to components such as product innovation and pricing. In this sense, an organization that values good customer service may spend more money in training employees than the average organization or may proactively interview customers for feedback. From the point of view of an overall sales process engineering effort, customer service plays an important role in an organization's ability to generate income and revenue. From that perspective, customer service should be included as part of an overall approach to systematic improvement. One good customer service experience can change the entire perception a customer holds towards the organization.
  • Microsoft Windows (Mentioned in 2.49% Job Postings): Windows is a group of several proprietary graphical operating system families developed and marketed by Microsoft. Each family caters to a certain sector of the computing industry.
  • Microsoft Office (Mentioned in 1.34% Job Postings): Microsoft Office is a suite of desktop productivity applications that is designed by Microsoft for business use. You can create documents containing text and images, work with data in spreadsheets and databases, create presentations and posters.
See More Skills
Skills Demand Percentage
Customer Service 18.93%
Microsoft Windows 2.49%
Microsoft Office 1.34%
What skills can make your compensation higher?
Mastering certain specialized skills can lead to a significant increase in pay. Here are examples of skills and the potential impact they can have on an Account Settlement Representative I - Consumer Loans's salary.
  • Resilience: Can increase your salary by up to 66%.
  • Microsoft Windows: Can increase your salary by up to 56%.
  • Alignment: Can increase your salary by up to 48%.
Skill Salary Salary % Increase
Resilience
 $64,408
66%
Microsoft Windows
 $60,528
56%
Alignment
 $57,424
48%
Decision Making
 $57,036
47%
Leadership
 $53,932
39%
Empathy
 $52,768
36%
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Account Settlement Representative I - Consumer Loans Salary by Company Size: Startups vs. Enterprise

Account Settlement Representative I - Consumer Loans salary potential scales significantly with company size. Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $41,987. While startup companies pay approximate $35,546.

Account Settlement Representative I - Consumer Loans Salary by Company Size

Company Size Employees Average Salary
Startup1~50$35,546
Growth Stage51~500$37,592
Established501~5000$40,553
Enterprise5000+$41,987

Account Settlement Representative I - Consumer Loans Salary by Industry: Top Paying Sectors

For Account Settlement Representative I - Consumer Loans roles, the industry you choose can impact your earning potential by as much as 40% (the gap between the highest and lowest paying industries). Data shows that the highest-paying industry, Financial Services, offers compensation 20% above the average. Conversely, Account Settlement Representative I - Consumer Loans positions in Business Services typically offer lower base pay, as this sector often view Account Settlement Representative I - Consumer Loans as a support function rather than a direct revenue driver.

The top paying industry for an Account Settlement Representative I - Consumer Loans

Industry Sector Average Annual Salary Average Hourly Rate Pay vs.Avg
Financial Services$46,560$22.020%

How Education impacts an Account Settlement Representative I - Consumer Loans's Salary?

Your level of education can impact your salary potential. While many Account Settlement Representative I - Consumer Loans enter the field with a High School Diploma or Technical Certificate degree, higher education can lead to more specialized and higher-paying roles.

According to our 100% employer-reported salary data, the median salary for an Account Settlement Representative I - Consumer Loans with a High School Diploma or Technical Certificate is between $33,031 and $36,349).

Account Settlement Representative I - Consumer Loans Salaries by Degree Level

Typical Education for Account Settlement Representative I - Consumer Loans
Degree Level % of user with this level of education
No Diploma 53.1%
High School 53.1%
Associates 24.5%
Bachelors 22.4%
Masters 0.0%
Doctorate 0.0%
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Account Settlement Representative I - Consumer Loans Salary: Hourly Rate, Weekly Pay, and Monthly Pay

Understanding how an Account Settlement Representative I - Consumer Loans's annual salary breaks down can help with budgeting. Below, you can see the average hourly rate, weekly pay, and monthly pay for this role. Use the buttons to switch between different pay periods.

  • Hourly
  • Monthly
  • Weekly
  • Yearly
  • Table View
Last Updated on August 01, 2026
$35,800
Average $38,800/year
$41,700
$2,983
Average $3,233/month
$3,475
$688
Average $746/week
$802
$17
Average $19/hour
$20
Annual Salary Monthly Pay Weekly Pay Hourly Wage
75th Percentile $41,700 $3,475 $802 $20
Average $38,800 $3,233 $746 $19
25th Percentile $35,800 $2,983 $688 $17

Account Settlement Representative I - Consumer Loans Salary Growth & Career Path

Account Settlement Representative I - Consumer Loans
Consumer Loan Collector, Experienced
Account Settlement Representative II - Consumer Loans
Collections Clerk, Experienced - Loans
Delinquent Mortgage Collector II
Consumer Loan Collections Group Manager
Account Settlement and Recovery Manager - Consumer Loans
Collections Clerk, Senior - Loans
Delinquent Mortgage Collections Supervisor II

Promotions are the fastest way to increase your earnings. As an Account Settlement Representative I - Consumer Loans, you have the following paths for advancement. The table below compares the salary raises for common next-step roles. By comparing these figures, you can choose the career path that best meets your financial goals.

Account Settlement Representative I - Consumer Loans Salary Growth and Career Path
Next Step Role Estimate Salary Projected Raise
Consumer Loan Collector, Experienced $44,400 14%
Account Settlement Representative II - Consumer Loans $43,300 12%
Collections Clerk, Experienced - Loans $44,500 15%
Delinquent Mortgage Collector II $54,100 39%

Salaries of jobs related to Account Settlement Representative I - Consumer Loans

Salary Trends for Account Settlement Representative I - Consumer Loans

Salaries for an Account Settlement Representative I - Consumer Loans can change over time, reflecting shifts in market demand and the overall economy. The median salary decreased from $39,825 in 2023 to around $38,934 in 2025, reflecting changes in demand, location, experience, and the wider economy. For a detailed analysis of Account Settlement Representative I - Consumer Loans salary trends, .

Average Annual Salary of Account Settlement Representative I - Consumer Loans Over Time

2022
$???
2023
$39,825
2024
$39,233
2025
$38,934
2026
$???
2027
$???
Year Average Annual Salary
2022
View More
2023 $39,825
2024 $39,233
2025 $38,934
2026
View More
2027
View More

Most common benefits for Account Settlement Representative I - Consumer Loans

Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Account Settlement Representative I - Consumer Loans

Here are companies hiring for Account Settlement Representative I - Consumer Loans and their salaries, click below for more details.

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Ready to take the next step in your career? Browse thousands of current Account Settlement Representative I - Consumer Loans job openings on our job board. Use the search bar below to find your perfect match.

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FAQ about Account Settlement Representative I - Consumer Loans

1. What industry pays the highest salary for Account Settlement Representative I - Consumer Loans?

The Financial Services industry offers the highest average compensation for Account Settlement Representative I - Consumer Loans roles, with salaries approximately 20% above the market median.

2. Can underwriters make a lot of money?

Underwriters generally earn above-average wages. For an Account Settlement Representative in Consumer Loans, salaries range from $31,800 to $39,900, with a midpoint of $37,600. While this is lower than some underwriter positions, it still reflects a competitive salary within the financial sector.

3. How much does a consumer loan underwriter make?

A Consumer Loan Underwriter typically earns between $31,800 and $39,900 annually, with a median salary of $37,600. Salaries can vary based on location and experience, with some states offering higher hourly rates. For instance, Minnesota and California are among the top-paying states for this role.

4. What does a VP of a large company make?

The estimated total pay for an Account Settlement Representative in Consumer Loans ranges from $31,800 to $39,900 per year, with a mid-salary of $37,600. This reflects the typical earnings for this role, which may vary based on experience and location.

5. How much does a VP for Capital One earn?

The average salary for an Account Settlement Representative in Consumer Loans ranges from $31,800 to $39,900, with a midpoint of $37,600. This data reflects the earnings for this position and does not pertain to a VP role at Capital One.

6. How much does a consumer loan underwriter earn in Texas?

As of January 3, 2025, the salary for an Account Settlement Representative in Consumer Loans in Texas ranges from a minimum of $31,800 to a maximum of $39,900, with a mid-salary of $37,600. This reflects a competitive pay scale for professionals in this field.

7. How much does a Vice President at customers bank make?

The average salary for an Account Settlement Representative in Consumer Loans ranges from $31,800 to $39,900, with a midpoint of $37,600. This position offers a competitive salary structure, reflecting the responsibilities and skills required in the role.

Where Does Our Salary Data Come From?

Salary.com provides salary estimates, histograms, trends, and comparisons using data from employer job postings and third-party sources.

We offer detailed salary information across multiple percentiles for your reference. (Click here to learn Why the Salary Midpoint Formula Is Crucial for Achieving Pay Equity.)

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