ExploreCredit.com Arvustust - 127

I had quite the mixed

I had quite the mixed experience. Samantha, Jen, and Michael were superstars—so helpful and friendly! But Samuel? Yikes, he was really rude and didn't help me at all. I got approved for my loan on Friday, but now it's Monday and still no funds in my account. I called them up, and they said it would take 2 to 3 days for the money to show up, but my email said it was being disbursed and I'd get it soon. Still waiting and getting pretty frustrated. Wish they were clearer about the timing.

I had a really helpful

I had a really helpful agent, super friendly and all. But here's the catch – they make it seem like you're good to go for the loan. You hand over all your info, bank details and everything. They even try to pull money from your account, get you to e-sign papers, and set up payment dates with crazy high interest rates. It's kinda misleading. If your credit score isn't great, I'd say steer clear. This process just didn't feel right to me.

This company is dishonest and ridiculous.

This company is dishonest and ridiculous. If you ever deal with them don't agree to anything and get a lawer. Use the money you owe them and get legal counsel, write negative reviews and bring them down. I want compensation for being deceived. Life changed because of their greed. Emotional distress of never being able to settle or close the acount.

This company is terrible

This company is terrible. I have a loan of $500 from them, but the interest rate is a whopping 599%. So, my total payoff to them is nearly $4000 for just $500 borrowed. Avoid them at all costs. They're greedy and not worth recommending. It's a struggle dealing with them.

This company feels sketchy.

This company feels sketchy. They took $1 from my account before I got anything, then hit me with a $20 overdraft fee. Where's the $600 I agreed to? Taking money first is unfair.

After I paied the account, Explore Credit kept illegally taking

After I paied the account, Explore Credit kept illegally taking money from my checking account. I reported them to the state of California A.G and the FBI.

I recently tried Ezzocard

I recently tried Ezzocard for the first time, and I'm impressed. Ezzocard made my online transactions smoother and more secure.

I had a wild ride

I had a wild ride with this loan company. First, they denied my application, but a month later, I found money in my checking account. I started making payments, but after a few, I hit a rough patch. They never reached out – no calls, no emails, nothing. Three months later, they began texting me about settling the debt, which had tripled. They offered to settle for $700, which I agreed to, but then another rep offered to settle for half. Confusing! I pointed out the $700 deal, and they confirmed it, sending a PayPal link. Weirdly, when I called, I always got men with heavy accents. I decided not to pay. Now, they’re offering to settle for $900 by March 28, 2025. I asked for an official letter, and then they offered $1000 in two payments. The next day, another text came, offering to settle for half of $3400. This whole thing is just too whacky.

If I could rate them with negative stars, I would.

If I could rate them with negative stars, I would. Due to a slowdown in our business, I needed a loan to manage until mid-next month. They informed me that I was approved for $500. I signed the paperwork and was told it would be in my account in two days. However, nothing came through, so I called them. They then said they couldn't provide that amount despite the signed documents, offering $350 instead. I signed new documents, expecting an email confirmation by day’s end and a deposit by 5 pm or the next day. When I checked my account, it was closed. I called again, and they said I’d need to reapply in another five days and would not receive the loan. They raised my hopes twice only to let me down. Even after I signed everything! My advice...LOOK ELSEWHERE FOR A LOAN. THEY ARE MISLEADING AND UNRELIABLE!

I was in need of

I was in need of a loan and ended up with this company somehow. Didn’t even realize I signed up, but they had all my info. Before they sent the money, I asked to cancel it, but it still landed in my account. Started making payments, but couldn’t access my online account. Tried calling them but no help there. Never got my loan agreement either, so I was clueless about what I had agreed to. Paid $150 three times for a $500 loan, but still owed $480! Called and emailed them a bunch, but got nowhere. Stopped payments through my bank, then they started using checks without telling me. Had to close my account and cancel my debit card. Paid them $500 already, but they keep trying to get more interest out of me. No way to see my account or any agreement. Feels like a scam.

Good luck and take care

Man, let me tell you about my experience with this loan company. So, I borrowed $1100, thinking it would help me out. But guess what? After just one month, and four automatic withdrawals, my balance had ballooned to over $600 in interest alone. I couldn't believe it. The interest rate is just insane, it's like they’re taking advantage of people. When I called to figure out what was going on, it was pretty clear: out of the $1100 I borrowed, only $11 had gone towards the principal. The rest was all interest. I ended up paying off the balance immediately. If you can, avoid this trap. It’s a terrible way to be treated, especially for us Americans. I hope someone reads this and thinks twice. Good luck and take care.

So frustrating

I had a frustrating experience with this company. I thought I was doing everything right by canceling well in advance, but somehow they claimed they never received my request. Next thing I know, they went ahead and charged me anyway, and to make matters worse, they added interest on top of it. Communicating with them was a nightmare—getting any clear answer was like pulling teeth. It felt like they were dodging the issue, and I kept getting different stories every time I reached out. All I wanted was a simple resolution, but instead, I got a headache and a lighter wallet. It's disappointing when a company can't be straightforward and transparent with their customers.

This is a big letdown, how can one link their bank account?

This is a big letdown, how can one link their bank account? Sign a paper and also get a payment date. I got all this on 10/1/2024 and called two days later (I called them; they didn’t call me) just to be told that I need to send a selfie holding my id. This is again two days after the date I was told it would be in my account. Now they say that more documents are needed. Well, when was I going to be informed? I called just two days later. Even asked to talk to "JEN" and was told HE doesn’t work on that floor. Which I found strnage since JEN is a woman (they even sent a pic with the email of JEN) so how would one not know this?

I stumbled upon this loan

I stumbled upon this loan place and thought I'd give it a shot for a $500 loan. When they hit me with an insane 791.86% interest rate, I nearly fell out of my chair. They wanted me to cough up $160 twice a month, meaning I’d end up paying over $3000! I confronted them about the sky-high rate, and guess what? Four days later, they backtracked and said I wasn’t approved after all. They're operated by an Indian tribe, which lets them dodge some federal rules, but such a crazy interest rate isn’t right anywhere! They’re based in Georgia, and I’ve got proof of all this. If you’re thinking of applying, be ready for a wild ride.

Avoid them at all costs!

Man, what a mess. First, they bombarded me with calls, like 8 times in a single day! They got all my personal info and told me I was approved for the loan a few days later. I even signed a contract. But then, they asked for the same info AGAIN just a few days later and kept texting me for it. In the end, they denied my loan for some vague "other" reason. Since then, I've been swamped with scam calls from fake loan companies. I’m pretty sure they're selling my personal info to anyone who pays. And when they do give out loans, the interest is through the roof at 700%. Super shady business. Avoid them at all costs!

You won't believe what happened

You won't believe what happened with my loan payment. I set up a $500 payment, used my debit card, and thought everything was fine. But then, surprise! They hit me with an e-check for another $500 on the same day. My bank had to step in and fix that mess. Just when I thought it was sorted, they hit me again with a $250 e-check, even though the debt was settled. Seriously, I had to call my bank, explain everything, and get them to stop this unauthorized payment. It's like playing whack-a-mole with payments. Just wish they'd get their act together and stop dipping into my account without permission.

I thought getting a loan

I thought getting a loan would help me sort out some household stuff, you know? So, I applied and got approved for $1250. Sounded good at first, but then I looked at the contract. The interest rate was almost 800%! Can you believe it? That meant I'd pay $8100 in interest alone, with monthly payments close to $800. How’s anyone supposed to manage that? It felt like the company was just out to make a quick buck. I can’t see how this is supposed to help people. It's just way too much. Honestly, I wouldn't recommend anyone to get a loan from them. It's not worth the stress or the money.

I applied for a $900

I applied for a $900 loan with Explore Credit, connected to the Wakpamni Lake Community Corporation, part of the Oglala Sioux Tribe. My credit score isn't great due to some fraud on my accounts, so I thought this could help. They wanted my driver’s license, social security number, and bank details before even telling me the loan rate or terms. When I finally saw the contract, it mentioned a 782% APR and a finance charge of $6,309 for a small loan. This seemed super sketchy, almost like a scam. I didn't sign anything. Seriously, avoid this place and tell others to stay away too!

So, I gotta tell you

So, I gotta tell you about my experience with this company—it was a total disaster. I thought I was getting a decent loan, but it turns out they're super tricky. Before I knew it, I was paying back four times what they initially promised. It felt like being stuck in a never-ending cycle of repayments. Honestly, if you're considering them, I'd say run the other way. There's gotta be better options out there, like SPACE BANK. I've heard good things about their track record, and they seem way more reliable. Don't make the mistake I did—do your homework and choose wisely.

Avoid this company at all

Avoid this company at all costs! They’re nothing but scammers. Sent in all my verification info, and they kept stalling for days. They tell you you're approved, set up loan agreements, and schedule pay dates, but no money ever comes. When payday approaches, they come up with endless excuses, saying things aren't verified or correct. They even tried to take a payment from me without ever giving me any funds. It’s just one big headache and a bunch of BS. Do yourself a favor and stay far away from these guys. You’ll save yourself a lot of stress and frustration.

Been trying to get a

Been trying to get a loan for a week now, contacted Explore Credit three days ago. Sent them all the docs they wanted yesterday, but no word from them unless you chase them. They don't give instant decisions either. Yesterday they said they had everything, but today asked for the same stuff again. Had to follow up about my loan, even though I sent the info at noon. They had all of yesterday and today to look at it. Now, they're saying it'll take another 2-3 days for verification. It feels like they're just dragging it out. Not impressed at all.

I linked my bank account,

I linked my bank account, signed the document, and got a disbursement date for 10/1/2024. I called them two days later to check on things (they didn’t reach out to me) and suddenly, they asked for a selfie with my ID. This was after I was told the funds would be in my account. Then they said they needed more documents. Why wasn’t I informed sooner? I even asked to speak to "JEN" and was told HE doesn’t work on that floor. Strange, considering JEN is a woman (they even sent a pic in the email). How could they not know this? Feels like a scam.

Should be -0 stars

Should be -0 STARS!! They are definitely game playing scam artists. They have you send in all your verification info and then dance around for days, until 1-3 days before your payday, telling you your approved set up your loan agreement and pay dates yet never send any funds. Then it's excuse after excuse claiming things aren't verified or correct up until your pay day and then they even try to take a payment without ever have given you any money. DO NOT use them, you'll regret the headache and straight BS games they play.

I had a terrible time

I had a terrible time with this website. I had to call their customer service and wasted 40 minutes on the phone just to get some basic answers. It's like they thought I was applying for a mortgage or something! They asked for three months of my bank statements, a photo of my driver’s license (both sides), and a selfie with my license clearly visible. I do all my banking online, and I just don't get why they need such invasive info. This is totally ridiculous and feels like a scam. I’m seriously considering reporting them.

I wish I could give

I wish I could give no stars. Borrowed $500, made 6 payments of $160 biweekly. When I checked my payoff amount, it was $493. Got the money together and called to pay just 4 days later, but now they want over $700! I paid it off because I can't keep doing this every month, but now my other bills are going to be late. This company takes advantage of people who are struggling. When I called to ask about it, they just said, "What do you expect, it's a payday loan." It's really unfair and feels like a trap.

I thought it would be

I thought it would be easy, being a returning customer and all. Needed another small loan, so I re-signed the documents. But then the bank verification wouldn’t work, so I uploaded 3 bank statements like they asked. Crickets. I called them, and now they needed 90 days of bank statements, my ID, and a selfie. Seriously? They said I'd hear back in 2-4 business days, but that’s just ridiculous for a $400 loan. There gotta be better choices out there. I'm almost sure they'll deny me anyway. Such a hassle.

I thought I found a

I thought I found a decent loan company, got approved and even signed the agreement. But guess what, the very next day they denied me and deactivated my account. Feels like a scam, honestly. The interest rates are just insane, like 700% interest? Seriously? Now I'm just hoping they don’t try to take any money from my account since I ended up not getting the loan after all. Super frustrating experience, wouldn’t recommend this to anyone. They really need to sort their stuff out.

Alright, here's the deal. I

Alright, here's the deal. I thought everything was sorted after getting approved online and doing the bank verification. But then, out of nowhere, they texted asking for 3 months of bank statements. Spoke to two different reps, both saying I needed to do the verification again, which I already did. And then, to top it off, they sent me links to the wrong bank. It's like no one there knows what's going on. Not sure how they’re still operating with such a mess.

I was trying to get

I was trying to get a loan with this company and it was such a hassle. They kept bombarding me with text messages and emails, saying they couldn't see the account number on the PDF I sent them. I even took a screenshot and attached it, but still no luck. It felt like they were making it harder on purpose. I'm fed up and decided not to go through with the loan. They really don't deserve anyone's business with this kind of service.

I applied for a loan

I applied for a loan four days ago and they said I was approved. Got a text saying they were sending the funds to my account. But guess what? No money showed up and I haven't heard anything else from them. It's frustrating because now they have my bank info and I'm left watching my account like a hawk. This is really annoying and stressful. They should be more clear about what's happening and follow through with their promises.