Collection/Recovery Representative, Experienced - Consumer Loans Salary in the United States
How much does a Collection/Recovery Representative, Experienced - Consumer Loans make in the United States?
As of August 01, 2026, the average salary for a Collection/Recovery Representative, Experienced - Consumer Loans in the United States is $43,300 per year, which breaks down to an hourly rate of $21.
However, a Collection/Recovery Representative, Experienced - Consumer Loans's salary can vary significantly. Here’s a look at the typical salary range:
Top Earners (90th percentile): $53,005
Majority Range (25th-75th percentile): $39,330 to $48,380
A Collection/Recovery Representative, Experienced - 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, Experienced - 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 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
$38,737Account S...
$43,295Collectio...
$47,932Account S...
$59,988Account S...
$103,197Account S...
View as Table
View as Graph
What Am I Worth?
How Do Collection/Recovery Representative, Experienced - 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, Experienced - Consumer Loans.
For example, consider the average annual salaries in these key locations:
District of Columbia: $47,940.
California: $47,760.
Massachusetts: $47,120.
District of Columbia$47,940
California$47,760
Massachusetts$47,120
Washington$46,950
New Jersey$46,930
Alaska$46,870
Connecticut$46,270
New York$46,030
Hawaii$45,260
Rhode Island$44,890
Maryland$44,650
Minnesota$44,310
Colorado$44,180
Illinois$44,140
Oregon$43,970
Delaware$43,850
New Hampshire$43,770
Virginia$43,600
Pennsylvania$43,110
Nevada$42,850
North Dakota$42,770
Michigan$42,640
Wisconsin$42,590
Vermont$42,500
Texas$42,230
Maine$42,220
Arizona$42,190
Ohio$42,160
Georgia$41,760
Indiana$41,560
Wyoming$41,520
Utah$41,460
Iowa$41,440
Kansas$41,230
Louisiana$41,170
North Carolina$41,150
Missouri$41,140
Florida$40,970
Montana$40,880
Nebraska$40,790
Kentucky$40,750
South Carolina$40,570
Tennessee$40,460
Idaho$40,420
New Mexico$40,100
Oklahoma$40,040
Alabama$39,780
South Dakota$39,350
Arkansas$39,120
West Virginia$38,990
Mississippi$38,620
Top Paying Cities for Collection/Recovery Representative, Experienced - 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: $54,610
San Francisco: $54,020
Oakland: $52,880
San Jose, CA$54,610
San Francisco, CA$54,020
Oakland, CA$52,880
New York, NY$49,850
Paramus, NJ$49,250
Queens Village, NY$49,250
Passaic, NJ$49,210
Bergenfield, NJ$49,200
Stamford, CT$49,110
Huntington, NY$49,090
Newark, NJ$48,770
Bridgeport, CT$48,680
Vallejo, CA$48,590
New Brunswick, NJ$48,570
Petaluma, CA$48,550
Middlesex, NJ$48,470
Somerset, NJ$48,430
Santa Cruz, CA$48,380
Boston, MA$48,110
Monterey, CA$47,960
Seattle, WA$47,860
Santa Rosa, CA$47,850
Los Angeles, CA$47,840
Juneau, AK$47,730
Washington, DC$47,680
Orange, CA$47,530
Santa Ana, CA$47,410
Long Beach, CA$47,370
Anaheim, CA$47,360
Anchorage, AK$47,340
Santa Maria, CA$47,210
Everett, WA$47,200
Danbury, CT$47,050
Bremerton, WA$46,990
Tacoma, WA$46,830
New Suffolk, NY$46,830
Sacramento, CA$46,820
Santa Barbara, CA$46,770
Trenton, NJ$46,720
San Diego, CA$46,720
Brockton, MA$46,680
Fairbanks, AK$46,570
Lompoc, CA$46,460
Lowell, MA$46,430
Ventura, CA$46,420
Nashua, NH$46,410
Stockton, CA$46,400
Modesto, CA$46,090
Poughkeepsie, NY$45,990
Kennewick, WA$45,910
Olympia, WA$45,910
New Haven, CT$45,890
Lawrence, MA$45,740
Hartford, CT$45,690
Riverside, CA$45,690
New Bedford, MA$45,640
Richland, WA$45,640
Bakersfield, CA$45,580
Atlantic City, NJ$45,560
San Bernardino, CA$45,560
New Britain, CT$45,560
New London, CT$45,540
Norwich, CT$45,530
Portsmouth, NH$45,520
Boulder, CO$45,430
Portland, OR$45,370
Worcester, MA$45,370
Minneapolis, MN$45,230
Philadelphia, PA$45,170
Honolulu, HI$45,030
Saint Paul, MN$45,010
Vineland, NJ$45,000
Providence, RI$44,870
Chicago, IL$44,750
Bellingham, WA$44,690
Springfield, MA$44,660
Baltimore, MD$44,650
Chico, CA$44,540
Pittsfield, MA$44,420
Manchester, NH$44,340
Spokane, WA$44,150
Denver, CO$44,140
Albany, NY$43,940
Troy, NY$43,920
Nassau, NY$43,880
Schenectady, NY$43,830
Wilmington, DE$43,800
Burlington, VT$43,740
Salem, OR$43,720
Portland, ME$43,590
Yakima, WA$43,540
Rochester, MN$43,410
Reno, NV$43,390
Fresno, CA$43,390
Milwaukee, WI$43,350
Detroit, MI$43,300
Ann Arbor, MI$43,300
Allentown, PA$43,290
Colorado Springs, CO$43,220
Syracuse, NY$43,200
Carson City, NV$43,200
Houston, TX$43,140
Eugene, OR$43,110
Gary, IN$43,060
Springfield, OR$43,030
Bismarck, ND$43,020
Galveston, TX$42,990
Medford, OR$42,920
Fort Collins, CO$42,910
Concord, NH$42,880
Austin, TX$42,870
Mesa, AZ$42,780
Reading, PA$42,780
Phoenix, AZ$42,770
Dallas, TX$42,760
Saint Cloud, MN$42,720
Madison, WI$42,660
Utica, NY$42,540
Rochester, NY$42,470
Des Moines, IA$42,470
Raleigh, NC$42,460
Atlanta, GA$42,400
Battle Creek, MI$42,390
Salt Lake City, UT$42,370
Lancaster, PA$42,310
Harrisburg, PA$42,250
Champaign, IL$42,200
Kansas City, MO$42,200
Kansas City, KS$42,200
Fort Worth, TX$42,190
Columbus, OH$42,180
Boca Raton, FL$42,170
Pittsburgh, PA$42,160
Richmond, VA$42,140
Indianapolis, IN$42,130
Cleveland, OH$42,130
Cincinnati, OH$42,070
Las Vegas, NV$42,070
Petersburg, VA$42,010
Huntsville, AL$41,940
Lansing, MI$41,920
Lebanon, PA$41,910
Pueblo, CO$41,910
Appleton, WI$41,890
Buffalo, NY$41,880
Dayton, OH$41,860
Charlotte, NC$41,850
Racine, WI$41,850
Saint Louis, MO$41,840
York, PA$41,810
Elkhart, IN$41,810
Gastonia, NC$41,800
Billings, MT$41,790
Beaumont, TX$41,780
Lorain, OH$41,770
Benton Harbor, MI$41,760
Toledo, OH$41,750
Rock Hill, SC$41,730
Binghamton, NY$41,730
Rockford, IL$41,710
Springfield, IL$41,690
Elyria, OH$41,690
Fargo, ND$41,690
Flagstaff, AZ$41,650
Fort Lauderdale, FL$41,630
Duluth, MN$41,600
Miami, FL$41,600
Cheyenne, WY$41,570
Grand Forks, ND$41,570
Bangor, ME$41,480
Cedar Rapids, IA$41,430
Durham, NC$41,410
Louisville, KY$41,410
Grand Rapids, MI$41,400
Hialeah, FL$41,400
Casper, WY$41,330
Scranton, PA$41,280
Virginia Beach, VA$41,270
New Orleans, LA$41,270
Akron, OH$41,240
Peoria, IL$41,190
Sarasota, FL$41,180
Nashville, TN$41,150
Omaha, NE$41,150
Green Bay, WI$41,150
Baton Rouge, LA$41,130
Charleston, SC$41,120
Jamestown, NY$41,100
Davenport, IA$41,100
Tucson, AZ$41,070
Saint Petersburg, FL$41,050
Tampa, FL$41,040
Evansville, IN$41,010
Port Arthur, TX$41,010
Bradenton, FL$41,000
Santa Fe, NM$40,920
Orlando, FL$40,840
Clearwater, FL$40,830
La Crosse, WI$40,740
Canton, OH$40,740
Albuquerque, NM$40,710
Newport News, VA$40,710
High Point, NC$40,690
Ogden, UT$40,680
Corpus Christi, TX$40,640
Norfolk, VA$40,620
Laramie, WY$40,620
Rock Island, IL$40,590
Saginaw, MI$40,580
Jacksonville, FL$40,580
Salisbury, NC$40,570
Boise, ID$40,560
Moline, IL$40,540
Fort Myers, FL$40,520
Memphis, TN$40,520
Tulsa, OK$40,490
Waterloo, IA$40,470
Spartanburg, SC$40,430
Lincoln, NE$40,400
Fort Wayne, IN$40,390
Provo, UT$40,390
Cedar Falls, IA$40,340
San Antonio, TX$40,320
Greensboro, NC$40,300
South Bend, IN$40,300
Savannah, GA$40,250
Birmingham, AL$40,230
Muskegon, MI$40,230
Winston Salem, NC$40,210
Lake Charles, LA$40,100
Anderson, IN$40,100
Lexington, KY$40,080
Augusta, GA$40,070
Greenville, SC$40,070
Lima, OH$40,040
Wichita, KS$40,030
Tuscaloosa, AL$40,030
Columbia, SC$39,990
Springfield, OH$39,980
Asheville, NC$39,910
Bloomington, IN$39,880
Knoxville, TN$39,730
Shreveport, LA$39,720
Wilmington, NC$39,670
Roanoke, VA$39,670
Topeka, KS$39,590
Frankfort, KY$39,580
Oklahoma City, OK$39,550
Chillicothe, OH$39,540
Longview, TX$39,530
Melbourne, FL$39,530
Sioux Falls, SD$39,460
Mobile, AL$39,460
Terre Haute, IN$39,440
Altoona, PA$39,410
Amarillo, TX$39,380
Killeen, TX$39,370
Fayetteville, AR$39,330
Chattanooga, TN$39,320
Sioux City, IA$39,280
Idaho Falls, ID$39,270
Lynchburg, VA$39,240
Gainesville, FL$39,180
Portsmouth, OH$39,160
Little Rock, AR$39,150
Lafayette, LA$39,140
Youngstown, OH$39,140
Daytona Beach, FL$39,110
Clarksville, TN$39,100
Pensacola, FL$39,100
Temple, TX$39,100
Hopkinsville, KY$38,970
Erie, PA$38,960
Florence, SC$38,940
Charleston, WV$38,880
Great Falls, MT$38,850
Tallahassee, FL$38,790
Macon, GA$38,790
Fayetteville, NC$38,780
Waco, TX$38,770
Helena, MT$38,740
Pine Bluff, AR$38,720
Vincennes, IN$38,670
Lubbock, TX$38,650
Alamogordo, NM$38,630
Twin Falls, ID$38,590
Rapid City, SD$38,580
Jackson, MS$38,500
Huntington, WV$38,500
Greenville, MS$38,490
Parkersburg, WV$38,450
Montgomery, AL$38,440
Wichita Falls, TX$38,400
Springfield, MO$38,400
Biloxi, MS$38,380
Monroe, LA$38,330
Johnstown, PA$38,300
Sumter, SC$38,290
Columbus, GA$38,280
Pascagoula, MS$38,200
Abilene, TX$38,200
Kingsport, TN$38,090
Albany, GA$38,090
Gulfport, MS$38,070
Alexandria, LA$37,930
Fort Smith, AR$37,820
El Paso, TX$37,710
Las Cruces, NM$37,510
Harlingen, TX$37,400
Pocatello, ID$37,390
Florence, AL$37,340
Brownsville, TX$37,330
Mcallen, TX$37,240
Dothan, AL$37,180
Columbus, MS$36,920
Altus, OK$36,720
Lawton, OK$36,640
Pierre, SD$36,480
What Skills Can Increase a Collection/Recovery Representative, Experienced - 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, Experienced - Consumer Loans's salary.
Active Listening: Can increase your salary by up to 22%.
Multitasking: Can increase your salary by up to 16%.
HIPAA: Can increase your salary by up to 13%.
Skill
Salary
Salary % Increase
Active Listening
$52,826
22%
Multitasking
$50,228
16%
HIPAA
$48,929
13%
Negotiating
$47,630
10%
Accounting
$47,630
10%
Microsoft Windows
$47,630
10%
Get Latest Data
Collection/Recovery Representative, Experienced - Consumer Loans Salary by Company Size: Startups vs. Enterprise
Collection/Recovery Representative, Experienced - Consumer Loans salary potential scales significantly with company size.
Data shows that Enterprise companies (5,000+ employees) pay the highest average salary at around $46,856.
While startup companies pay approximate $39,669.
Collection/Recovery Representative, Experienced - Consumer Loans Salary by Company Size
Company Size
Employees
Average Salary
Startup
1~50
$39,669
Growth Stage
51~500
$41,952
Established
501~5000
$45,256
Enterprise
5000+
$46,856
Collection/Recovery Representative, Experienced - Consumer Loans Salary by Industry: Top Paying Sectors
For Collection/Recovery Representative, Experienced - 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, Experienced - Consumer Loans positions in Business Services typically offer lower base pay,
as this sector often view Collection/Recovery Representative, Experienced - Consumer Loans as a support function rather than a direct revenue driver.
The top paying industry for a Collection/Recovery Representative, Experienced - Consumer Loans
Industry Sector
Average Annual Salary
Average Hourly Rate
Pay vs.Avg
Financial Services
$51,960
$25.0
20%
How Education impacts a Collection/Recovery Representative, Experienced - Consumer Loans's Salary?
Your level of education can impact your salary potential.
While many Collection/Recovery Representative, Experienced - 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, Experienced - Consumer Loans with a High School Diploma or Technical Certificate is between
$39,947
and $43,392).
Collection/Recovery Representative, Experienced - Consumer Loans Salaries by Degree Level
Typical Education for Collection/Recovery Representative, Experienced - Consumer Loans
Understanding how a Collection/Recovery Representative, Experienced - 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, Experienced - 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, Experienced - Consumer Loans Salary Growth and Career Path
Next Step Role
Estimate Salary
Projected Raise
Consumer Loan Collector, Senior
$49,700
15%
Account Settlement Representative III - Consumer Loans
$48,000
11%
Collections Clerk, Senior - Loans
$51,200
18%
Delinquent Mortgage Collector III
$60,000
39%
Salaries of jobs related to Collection/Recovery Representative, Experienced - Consumer Loans
Salary Trends for Collection/Recovery Representative, Experienced - Consumer Loans
Salaries for a Collection/Recovery Representative, Experienced - Consumer Loans can change over time,
reflecting shifts in market demand and the overall economy.
The median salary decreased from $43,846 in 2023
to around $42,813 in 2025,
reflecting changes in demand, location, experience, and the wider economy.
For a detailed analysis of Collection/Recovery Representative, Experienced - Consumer Loans salary trends,
.
Average Annual Salary of Collection/Recovery Representative, Experienced - Consumer Loans Over Time
2022
$???
2023
$43,846
2024
$43,213
2025
$42,813
2026
$???
2027
$???
Year
Average Annual Salary
2022
View More
2023
$43,846
2024
$43,213
2025
$42,813
2026
View More
2027
View More
Most common benefits for Collection/Recovery Representative, Experienced - Consumer Loans
Social Security
401(k)
Disability
Healthcare
Pension
Time Off (days)
For Employers
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Compensation Planning
Common company salaries for Collection/Recovery Representative, Experienced - Consumer Loans
Here are companies hiring for Collection/Recovery Representative, Experienced - 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, Experienced - Consumer Loans
1. What industry pays the highest salary for Collection/Recovery Representative, Experienced - Consumer Loans?
The Financial Services industry offers the highest average compensation for Collection/Recovery Representative, Experienced - 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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