Explore jobs
Find specific jobs
Explore careers
Explore professions
Best companies
Explore companies
Collections representative salary
Average collections representative salary
$16.35
Average Collections Representative Salary
The average salary for a Collections Representative in the United States is $34,015 per year, or about $16.35 per hour. This role involves contacting clients to collect overdue payments, which can vary in complexity depending on the industry and company size. Factors such as years of experience, location, and sector significantly influence earnings.
Salary by Experience Level
Entry-level Collections Representatives typically earn lower salaries, while those with several years of experience can command higher wages. For instance, professionals with 5-10 years of experience may see salaries increase to around $40,000. Additionally, those in managerial positions can earn significantly more.
Regional Salary Variations
Geographic location also affects salaries. States like California and New York generally offer higher pay rates due to a higher cost of living. In contrast, regions with a lower cost of living may offer salaries on the lower end of the spectrum.
Opportunities for Advancement
Collections Representatives looking to advance their careers should consider gaining additional qualifications or experience in customer service or finance, which can lead to supervisory roles and higher salaries.
Let Zippia find your next collections representative job
Let Zippia find your next collections representative job
Where can a Collections Representative earn more?
Collections representative salaries by experience level
Collections representative salary estimates from across the web
Average collections representative salary by state
The highest-paying states for collections representatives are California, Hawaii, and Alaska. The lowest average collections representative salary states are Arkansas, South Carolina, and Pennsylvania.
- State view
- County view
Highest paying states for collections representatives
| Rank | State | Avg. salary | Hourly rate |
|---|---|---|---|
| 1 | Arizona | $35,308 | $16.98 |
| 2 | Utah | $34,394 | $16.54 |
| 3 | Mississippi | $34,174 | $16.43 |
| 4 | Hawaii | $41,298 | $19.85 |
| 5 | Oregon | $37,766 | $18.16 |
| 6 | California | $43,132 | $20.74 |
| 7 | Nevada | $33,904 | $16.30 |
| 8 | Washington | $39,473 | $18.98 |
| 9 | Texas | $32,996 | $15.86 |
| 10 | North Dakota | $32,805 | $15.77 |
| 11 | Alaska | $40,773 | $19.60 |
| 12 | Colorado | $37,809 | $18.18 |
| 13 | Missouri | $34,570 | $16.62 |
| 14 | Minnesota | $32,883 | $15.81 |
| 15 | New Mexico | $32,042 | $15.40 |
| 16 | Wyoming | $33,643 | $16.17 |
| 17 | Michigan | $32,846 | $15.79 |
| 18 | Florida | $30,860 | $14.84 |
| 19 | Massachusetts | $33,314 | $16.02 |
| 20 | Kansas | $30,704 | $14.76 |
| 21 | Connecticut | $34,269 | $16.48 |
| 22 | District of Columbia | $36,945 | $17.76 |
| 23 | Georgia | $31,814 | $15.30 |
| 24 | Idaho | $31,825 | $15.30 |
| 25 | Louisiana | $29,639 | $14.25 |
| 26 | South Dakota | $29,994 | $14.42 |
| 27 | Wisconsin | $30,044 | $14.44 |
| 28 | Montana | $31,605 | $15.19 |
| 29 | Alabama | $30,809 | $14.81 |
| 30 | Tennessee | $29,495 | $14.18 |
| 31 | Vermont | $29,274 | $14.07 |
| 32 | New York | $31,905 | $15.34 |
| 33 | Rhode Island | $29,853 | $14.35 |
| 34 | New Jersey | $30,806 | $14.81 |
| 35 | Kentucky | $27,931 | $13.43 |
| 36 | Ohio | $27,956 | $13.44 |
| 37 | Indiana | $28,749 | $13.82 |
| 38 | Illinois | $31,020 | $14.91 |
| 39 | Maine | $27,585 | $13.26 |
| 40 | New Hampshire | $28,347 | $13.63 |
| 41 | Arkansas | $27,417 | $13.18 |
| 42 | Pennsylvania | $26,936 | $12.95 |
| 43 | Maryland | $30,480 | $14.65 |
| 44 | Nebraska | $28,044 | $13.48 |
| 45 | South Carolina | $27,352 | $13.15 |
| 46 | Iowa | $28,182 | $13.55 |
| 47 | Virginia | $27,980 | $13.45 |
| 48 | Oklahoma | $28,380 | $13.64 |
| 49 | North Carolina | $26,727 | $12.85 |
| 50 | Delaware | $24,818 | $11.93 |
| 51 | West Virginia | $24,884 | $11.96 |
Highest paying cities for collections representatives
The highest-paying cities for collections representatives are San Ramon, CA, Beaverton, OR, and Greeley, CO.
| Rank | City | Avg. salary | Hourly rate |
|---|---|---|---|
| 1 | San Ramon, CA | $43,249 | $20.79 |
| 2 | Beaverton, OR | $37,720 | $18.13 |
| 3 | Greeley, CO | $37,673 | $18.11 |
| 4 | Tucson, AZ | $35,388 | $17.01 |
| 5 | Kansas City, MO | $35,058 | $16.85 |
| 6 | Hartford, CT | $34,554 | $16.61 |
| 7 | Salt Lake City, UT | $34,350 | $16.51 |
| 8 | San Antonio, TX | $33,644 | $16.18 |
| 9 | Minneapolis, MN | $32,868 | $15.80 |
| 10 | Kennesaw, GA | $31,831 | $15.30 |
| 11 | Mobile, AL | $31,719 | $15.25 |
| 12 | Clearwater, FL | $31,171 | $14.99 |
| 13 | Chicago, IL | $31,022 | $14.91 |
| 14 | Frederick, MD | $30,578 | $14.70 |
| 15 | Kansas City, KS | $30,247 | $14.54 |
| 16 | Brookfield, WI | $29,938 | $14.39 |
| 17 | Sioux Falls, SD | $29,577 | $14.22 |
| 18 | Metairie, LA | $29,565 | $14.21 |
| 19 | Bloomington, IN | $28,667 | $13.78 |
| 20 | Des Moines, IA | $28,326 | $13.62 |
Collections Representatives are the most in-demand in these five cities:
Collections representative salary details
A collections representative's salary ranges from $26,000 a year at the 10th percentile to $42,000 at the 90th percentile.
What is a collections representative's salary?
| Percentile | Annual salary | Monthly salary | Hourly rate |
|---|---|---|---|
| 90th Percentile | $42,000 | $3,500 | $20 |
| 75th Percentile | $38,000 | $3,167 | $18 |
| Average | $34,015 | $2,835 | $16 |
| 25th Percentile | $30,000 | $2,500 | $14 |
| 10th Percentile | $26,000 | $2,167 | $13 |
Highest paying collections representative jobs
The highest paying types of collections representatives are business representative, accounting representative, and phone representative.
| Job title | Annual salary | Monthly salary | Hourly rate | Job openings |
|---|---|---|---|---|
| Collections, Customer Service | $32,870 | $2,739 | $15.80 | 161,544 |
| Collections/Accounts Receivable | $38,949 | $3,246 | $18.73 | 30,523 |
| Collections Coordinator | $37,938 | $3,162 | $18.24 | 40,113 |
| Customer Service Representative | $32,260 | $2,688 | $15.51 | 209,515 |
| Customer Care Representative | $32,912 | $2,743 | $15.82 | 214,835 |
| Business Representative | $51,604 | $4,300 | $24.81 | 197,264 |
Top companies hiring collections representatives now:
Which companies pay collections representatives the most?
Collections representative salaries at University of California, Berkeley and Medical University of South Carolina are the highest-paying according to our most recent salary estimates. In addition, the average collections representative salary at companies like LUFKIN Industries and Huron Consulting Group are highly competitive.
| Rank | Company | Average salary | Hourly rate |
|---|---|---|---|
| 1 | University of California-Berkeley | $45,696 | $21.97 |
| 2 | Medical University of South Carolina | $42,663 | $20.51 |
| 3 | LUFKIN Industries | $41,690 | $20.04 |
| 4 | Huron Consulting Group | $39,726 | $19.10 |
| 5 | Dominion Energy | $39,572 | $19.02 |
| 6 | BD | $39,566 | $19.02 |
| 7 | Student Conservation Association | $39,306 | $18.90 |
| 8 | JBS USA | $39,193 | $18.84 |
| 9 | Affinity Credit Union | $39,076 | $18.79 |
| 10 | Fresenius Medical Care North America Holdings Limited Partnership | $38,821 | $18.66 |
| 11 | Hastings Mutual Insurance | $38,758 | $18.63 |
| 12 | Cognizant | $38,518 | $18.52 |
| 13 | Santander Bank | $38,478 | $18.50 |
| 14 | BNP Paribas | $38,103 | $18.32 |
| 15 | City National Bank | $37,989 | $18.26 |
| 16 | Baptist Health Home Care | $37,875 | $18.21 |
| 17 | Philips | $37,789 | $18.17 |
| 18 | Harley-Davidson | $37,617 | $18.09 |
| 19 | Medline | $37,553 | $18.05 |
| 20 | HomePro | $36,932 | $17.76 |
Wage gap by gender, race and education
Collections Representative salary by industry
The average collections representative salary varies across industries:
- The average collections representative salary in the finance industry is $35,387, the highest of any industry.
- The average collections representative salary in the finance industry is $34,886.
- Collections representatives in the retail industry earn an average salary of $31,901, the lowest of any industry.
Highest paying industries for collections representatives
| Rank | Industry | Average salary | Hourly rate |
|---|---|---|---|
| 1 | Finance | $35,387 | $17.01 |
| 2 | Technology | $34,886 | $16.77 |
| 3 | Health Care | $34,619 | $16.64 |
| 4 | Telecommunication | $33,654 | $16.18 |
| 5 | Retail | $31,901 | $15.34 |
High paying collections representative jobs
Collections representative salary trends
The average collections representative salary has risen by $5,517 over the last ten years. In 2014, the average collections representative earned $28,498 annually, but today, they earn $34,015 a year. That works out to a 8% change in pay for collections representatives over the last decade.
Compare collections representative salaries for cities or states with the national average over time.
Average collections representative salary over time
Compare collections representative salaries for individual cities or states with the national average.
Collections representative salary by year
| Year | Avg. salary | Hourly rate | % Change |
|---|---|---|---|
| 2025 | $34,000 | $16.35 | +2.9% |
| 2024 | $33,000 | $15.88 | +2.6% |
| 2023 | $32,200 | $15.46 | +1.9% |
| 2022 | $31,500 | $15.16 | -0.1% |
| 2021 | $31,600 | $15.17 | +2.6% |
Recently added collections representative salaries
| Company | Job | Location | Date added | Salary |
|---|---|---|---|---|
| Enova | Cashnetusa Collections Representative (Remote) | Chicago, IL | 06/29/2025 | $37,566 |
| Enova | Collections Representative (Hybrid) | Denver, CO | 06/29/2025 | $52,175 |
| Equity Residential | Collection Representative-Remote | New York, NY | 06/29/2025 | $41,740 |
| Get It-Finance | Collection Representative (U) (3282)-Remote | WFH | Springfield, IL | 06/29/2025 | $31,305 |
| Veros Credit, LLC | Bilingual Collections Representative-Loan Servicing-(PRE 30 Day/Auto Finance) | Santa Ana, CA | 06/29/2025 | $35,479 |
| Get It-Real Estate | Collectors Representative-Remote | WFH | New York, NY | 06/29/2025 | $44,871 |
| Performance Bankers Inc. | Bilingual Collections Representative | Sioux Falls, SD | 06/29/2025 | $38,401 |
| Get It-Real Estate | Collectors Representative-Remote | WFH | Carmel, IN | 06/29/2025 | $44,871 |
| Get It-Real Estate | Collection Representative (U) (3282)-Remote | WFH | Chatham, IL | 06/29/2025 | $31,305 |
| Unitedhealth Group | Collections Representative-Remote In Mainland USA | Phoenix, AZ | 06/28/2025 | $37,023 |
Collections representative salary FAQs
Search for collections representative jobs