Collection/Recovery Representative, Entry - Consumer Loans Salary in the United States
How much does a Collection/Recovery Representative, Entry - Consumer Loans make in the United States?
As of August 01, 2026, the average salary for a Collection/Recovery Representative, Entry - Consumer Loans in the United States is $38,740 per year, which breaks down to an hourly rate of $19.
However, a Collection/Recovery Representative, Entry - Consumer Loans's salary can vary significantly. Here’s a look at the typical salary range:
Top Earners (90th percentile): $44,395
Majority Range (25th-75th percentile): $35,720 to $41,700
A Collection/Recovery Representative, Entry - 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.
Experience is a primary driver of a Collection/Recovery Representative, Entry - 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 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
$38,737Collectio...
$43,295Account S...
$47,932Account S...
$59,988Account S...
$103,197Account S...
View as Table
View as Graph
What Am I Worth?
How Do Collection/Recovery Representative, Entry - 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 Collection/Recovery Representative, Entry - Consumer Loans.
For example, consider the average annual salaries in these key locations:
Top Paying Cities for Collection/Recovery Representative, Entry - 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: $48,860
San Francisco: $48,330
Oakland: $47,310
San Jose, CA$48,860
San Francisco, CA$48,330
Oakland, CA$47,310
New York, NY$44,610
Paramus, NJ$44,060
Queens Village, NY$44,060
Passaic, NJ$44,030
Bergenfield, NJ$44,020
Stamford, CT$43,940
Huntington, NY$43,920
Newark, NJ$43,630
Bridgeport, CT$43,550
Vallejo, CA$43,480
New Brunswick, NJ$43,460
Petaluma, CA$43,440
Middlesex, NJ$43,360
Somerset, NJ$43,340
Santa Cruz, CA$43,290
Boston, MA$43,050
Monterey, CA$42,910
Seattle, WA$42,820
Santa Rosa, CA$42,820
Los Angeles, CA$42,810
Juneau, AK$42,700
Washington, DC$42,660
Orange, CA$42,520
Santa Ana, CA$42,420
Long Beach, CA$42,380
Anaheim, CA$42,380
Anchorage, AK$42,360
Santa Maria, CA$42,240
Everett, WA$42,230
Danbury, CT$42,100
Bremerton, WA$42,040
Tacoma, WA$41,900
New Suffolk, NY$41,900
Sacramento, CA$41,890
Santa Barbara, CA$41,850
Trenton, NJ$41,810
San Diego, CA$41,810
Brockton, MA$41,760
Fairbanks, AK$41,670
Lompoc, CA$41,570
Lowell, MA$41,540
Ventura, CA$41,530
Nashua, NH$41,520
Stockton, CA$41,520
Modesto, CA$41,240
Poughkeepsie, NY$41,150
Olympia, WA$41,080
Kennewick, WA$41,080
New Haven, CT$41,060
Lawrence, MA$40,920
Hartford, CT$40,880
Riverside, CA$40,880
New Bedford, MA$40,840
Richland, WA$40,840
Bakersfield, CA$40,780
San Bernardino, CA$40,770
New Britain, CT$40,760
Atlantic City, NJ$40,760
New London, CT$40,750
Norwich, CT$40,740
Portsmouth, NH$40,730
Boulder, CO$40,650
Portland, OR$40,590
Worcester, MA$40,590
Minneapolis, MN$40,470
Philadelphia, PA$40,420
Honolulu, HI$40,290
Saint Paul, MN$40,270
Vineland, NJ$40,260
Providence, RI$40,150
Chicago, IL$40,040
Bellingham, WA$39,990
Springfield, MA$39,960
Baltimore, MD$39,950
Chico, CA$39,850
Pittsfield, MA$39,750
Manchester, NH$39,670
Spokane, WA$39,500
Denver, CO$39,500
Albany, NY$39,320
Troy, NY$39,300
Nassau, NY$39,260
Schenectady, NY$39,220
Wilmington, DE$39,190
Burlington, VT$39,130
Salem, OR$39,120
Portland, ME$39,000
Yakima, WA$38,960
Rochester, MN$38,840
Reno, NV$38,820
Fresno, CA$38,820
Milwaukee, WI$38,780
Detroit, MI$38,750
Ann Arbor, MI$38,740
Allentown, PA$38,730
Colorado Springs, CO$38,670
Syracuse, NY$38,650
Carson City, NV$38,650
Houston, TX$38,590
Eugene, OR$38,580
Gary, IN$38,530
Springfield, OR$38,500
Bismarck, ND$38,490
Galveston, TX$38,460
Medford, OR$38,400
Fort Collins, CO$38,390
Concord, NH$38,370
Austin, TX$38,360
Mesa, AZ$38,280
Reading, PA$38,270
Phoenix, AZ$38,270
Dallas, TX$38,260
Saint Cloud, MN$38,220
Madison, WI$38,170
Utica, NY$38,060
Rochester, NY$38,000
Des Moines, IA$38,000
Raleigh, NC$37,990
Atlanta, GA$37,940
Battle Creek, MI$37,920
Salt Lake City, UT$37,910
Lancaster, PA$37,850
Harrisburg, PA$37,800
Kansas City, MO$37,760
Kansas City, KS$37,750
Champaign, IL$37,750
Fort Worth, TX$37,750
Columbus, OH$37,740
Boca Raton, FL$37,730
Pittsburgh, PA$37,720
Richmond, VA$37,700
Indianapolis, IN$37,700
Cleveland, OH$37,690
Cincinnati, OH$37,650
Las Vegas, NV$37,650
Petersburg, VA$37,590
Huntsville, AL$37,530
Lansing, MI$37,500
Lebanon, PA$37,500
Pueblo, CO$37,490
Appleton, WI$37,480
Buffalo, NY$37,470
Dayton, OH$37,460
Racine, WI$37,450
Charlotte, NC$37,440
Saint Louis, MO$37,430
York, PA$37,410
Elkhart, IN$37,410
Gastonia, NC$37,400
Billings, MT$37,390
Beaumont, TX$37,380
Benton Harbor, MI$37,370
Lorain, OH$37,370
Toledo, OH$37,360
Rock Hill, SC$37,340
Binghamton, NY$37,340
Rockford, IL$37,320
Springfield, IL$37,300
Elyria, OH$37,300
Fargo, ND$37,300
Flagstaff, AZ$37,270
Fort Lauderdale, FL$37,250
Duluth, MN$37,220
Miami, FL$37,220
Cheyenne, WY$37,200
Grand Forks, ND$37,200
Bangor, ME$37,110
Cedar Rapids, IA$37,070
Durham, NC$37,050
Louisville, KY$37,050
Grand Rapids, MI$37,040
Hialeah, FL$37,040
Casper, WY$36,980
Scranton, PA$36,940
New Orleans, LA$36,930
Virginia Beach, VA$36,920
Akron, OH$36,900
Peoria, IL$36,850
Sarasota, FL$36,840
Nashville, TN$36,820
Omaha, NE$36,820
Green Bay, WI$36,820
Baton Rouge, LA$36,800
Charleston, SC$36,790
Jamestown, NY$36,770
Davenport, IA$36,770
Tucson, AZ$36,750
Saint Petersburg, FL$36,730
Tampa, FL$36,720
Evansville, IN$36,700
Port Arthur, TX$36,700
Bradenton, FL$36,680
Santa Fe, NM$36,610
Orlando, FL$36,540
Clearwater, FL$36,530
La Crosse, WI$36,450
Canton, OH$36,450
Albuquerque, NM$36,430
Newport News, VA$36,420
High Point, NC$36,410
Ogden, UT$36,390
Corpus Christi, TX$36,360
Norfolk, VA$36,340
Laramie, WY$36,340
Rock Island, IL$36,320
Saginaw, MI$36,310
Jacksonville, FL$36,310
Salisbury, NC$36,300
Boise, ID$36,290
Moline, IL$36,270
Fort Myers, FL$36,260
Memphis, TN$36,250
Tulsa, OK$36,230
Waterloo, IA$36,210
Spartanburg, SC$36,170
Lincoln, NE$36,150
Fort Wayne, IN$36,140
Provo, UT$36,140
Cedar Falls, IA$36,090
San Antonio, TX$36,080
Greensboro, NC$36,060
South Bend, IN$36,060
Savannah, GA$36,010
Birmingham, AL$36,000
Muskegon, MI$36,000
Winston Salem, NC$35,980
Lake Charles, LA$35,880
Anderson, IN$35,880
Lexington, KY$35,860
Augusta, GA$35,850
Greenville, SC$35,850
Wichita, KS$35,820
Lima, OH$35,820
Tuscaloosa, AL$35,820
Columbia, SC$35,780
Springfield, OH$35,770
Asheville, NC$35,710
Bloomington, IN$35,690
Knoxville, TN$35,550
Shreveport, LA$35,540
Wilmington, NC$35,490
Roanoke, VA$35,490
Topeka, KS$35,420
Frankfort, KY$35,420
Oklahoma City, OK$35,390
Chillicothe, OH$35,380
Longview, TX$35,370
Melbourne, FL$35,370
Sioux Falls, SD$35,310
Mobile, AL$35,300
Terre Haute, IN$35,290
Altoona, PA$35,260
Amarillo, TX$35,240
Killeen, TX$35,220
Fayetteville, AR$35,190
Chattanooga, TN$35,180
Sioux City, IA$35,150
Idaho Falls, ID$35,140
Lynchburg, VA$35,110
Gainesville, FL$35,060
Portsmouth, OH$35,040
Little Rock, AR$35,030
Lafayette, LA$35,020
Youngstown, OH$35,020
Clarksville, TN$34,990
Daytona Beach, FL$34,990
Pensacola, FL$34,980
Temple, TX$34,980
Hopkinsville, KY$34,870
Erie, PA$34,860
Florence, SC$34,850
Charleston, WV$34,780
Great Falls, MT$34,760
Tallahassee, FL$34,710
Macon, GA$34,710
Fayetteville, NC$34,700
Waco, TX$34,690
Helena, MT$34,660
Pine Bluff, AR$34,650
Vincennes, IN$34,600
Lubbock, TX$34,590
Alamogordo, NM$34,560
Twin Falls, ID$34,530
Rapid City, SD$34,520
Jackson, MS$34,450
Huntington, WV$34,440
Greenville, MS$34,440
Parkersburg, WV$34,400
Montgomery, AL$34,400
Wichita Falls, TX$34,360
Springfield, MO$34,360
Biloxi, MS$34,340
Monroe, LA$34,300
Johnstown, PA$34,270
Sumter, SC$34,260
Columbus, GA$34,250
Pascagoula, MS$34,180
Abilene, TX$34,180
Kingsport, TN$34,080
Albany, GA$34,080
Gulfport, MS$34,070
Alexandria, LA$33,940
Fort Smith, AR$33,840
El Paso, TX$33,740
Las Cruces, NM$33,560
Harlingen, TX$33,460
Pocatello, ID$33,460
Florence, AL$33,410
Brownsville, TX$33,400
Mcallen, TX$33,320
Dothan, AL$33,260
Columbus, MS$33,030
Altus, OK$32,850
Lawton, OK$32,780
Pierre, SD$32,640
What Skills Can Increase a Collection/Recovery Representative, Entry - 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 a Collection/Recovery Representative, Entry - 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
$64,308
66%
Microsoft Windows
$60,434
56%
Alignment
$57,335
48%
Decision Making
$56,948
47%
Leadership
$53,849
39%
Empathy
$52,686
36%
Get Latest Data
Collection/Recovery Representative, Entry - Consumer Loans Salary by Company Size: Startups vs. Enterprise
Collection/Recovery Representative, Entry - Consumer Loans salary potential scales significantly with company size.
Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $41,922.
While startup companies pay approximate $35,491.
Collection/Recovery Representative, Entry - Consumer Loans Salary by Company Size
Company Size
Employees
Average Salary
Startup
1~50
$35,491
Growth Stage
51~500
$37,534
Established
501~5000
$40,490
Enterprise
5000+
$41,922
Collection/Recovery Representative, Entry - Consumer Loans Salary by Industry: Top Paying Sectors
For Collection/Recovery Representative, Entry - 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,
Collection/Recovery Representative, Entry - Consumer Loans positions in Business Services typically offer lower base pay,
as this sector often view Collection/Recovery Representative, Entry - Consumer Loans as a support function rather than a direct revenue driver.
The top paying industry for a Collection/Recovery Representative, Entry - Consumer Loans
Industry Sector
Average Annual Salary
Average Hourly Rate
Pay vs.Avg
Financial Services
$46,488
$22.0
20%
How Education impacts a Collection/Recovery Representative, Entry - Consumer Loans's Salary?
Your level of education can impact your salary potential.
While many Collection/Recovery Representative, Entry - 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 a Collection/Recovery Representative, Entry - Consumer Loans with a High School Diploma or Technical Certificate is between
$32,972
and $36,313).
Collection/Recovery Representative, Entry - Consumer Loans Salaries by Degree Level
Typical Education for Collection/Recovery Representative, Entry - Consumer Loans
Understanding how a Collection/Recovery Representative, Entry - 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.
Promotions are the fastest way to increase your earnings.
As a Collection/Recovery Representative, Entry - 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.
Collection/Recovery Representative, Entry - Consumer Loans Salary Growth and Career Path
Next Step Role
Estimate Salary
Projected Raise
Consumer Loan Collector, Experienced
$44,400
15%
Account Settlement Representative II - Consumer Loans
$43,300
12%
Collections Clerk, Experienced - Loans
$44,500
15%
Delinquent Mortgage Collector II
$54,100
40%
Salaries of jobs related to Collection/Recovery Representative, Entry - Consumer Loans
Salary Trends for Collection/Recovery Representative, Entry - Consumer Loans
Salaries for a Collection/Recovery Representative, Entry - 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 Collection/Recovery Representative, Entry - Consumer Loans salary trends,
.
Average Annual Salary of Collection/Recovery Representative, Entry - 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 Collection/Recovery Representative, Entry - Consumer Loans
Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
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Common company salaries for Collection/Recovery Representative, Entry - Consumer Loans
Here are companies hiring for Collection/Recovery Representative, Entry - Consumer Loans and their salaries, click below for more details.
K
$114,295/per year
Kpmg Us LLP
Business Services
the United States
W
$114,096/per year
Warner Bros Discovery
Business Services
the United States
D
$111,927/per year
Dentsu International Ltd
Business Services
the United States
G
$111,873/per year
GroupM Worldwide Inc
Business Services
the United States
C
$111,651/per year
CoWorx Staffing
Business Services
the United States
C
$110,194/per year
Contemporary Services Corp
Business Services
the United States
S
$107,128/per year
Showcase Cinemas
Business Services
the United States
A
$106,429/per year
Amentum Services Inc
Business Services
the United States
A
$106,199/per year
Allied Universal Security Services LLC
Business Services
the United States
S
$106,104/per year
Sodexo USA
Business Services
the United States
J
$105,192/per year
JLL Technologies
Business Services
the United States
I
$104,478/per year
Intact Insurance Group USA LLC
Business Services
the United States
N
$101,619/per year
NielsenIQ
Business Services
the United States
T
$101,470/per year
The Leading Edge Alliance
Business Services
the United States
H
$101,308/per year
Honeywell UOP
Business Services
the United States
R
$97,720/per year
Reeve & Associates
Business Services
the United States
M
$97,584/per year
ManpowerGroup Global Inc
Business Services
the United States
F
$95,980/per year
Financial Sys Nco
Business Services
the United States
A
$95,314/per year
Arrow Global Ltd
Business Services
the United States
C
$94,777/per year
CarMax Enterprise Services LLC
Business Services
the United States
D
$94,479/per year
DZConneX
Business Services
the United States
A
$93,802/per year
Adecco Staffing, USA
Business Services
the United States
R
$92,937/per year
Resource MFG
Business Services
the United States
Z
$92,774/per year
Zachry Brands Inc
Business Services
the United States
G
$88,138/per year
Greystar Worldwide LLC
Business Services
the United States
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FAQ about Collection/Recovery Representative, Entry - Consumer Loans
1. What industry pays the highest salary for Collection/Recovery Representative, Entry - Consumer Loans?
The Financial Services industry offers the highest average compensation for Collection/Recovery Representative, Entry - Consumer Loans roles,
with salaries approximately 20% above the market median.
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.
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