Leave a Review Lenme
Add ROI
The app and overall system is great. Yes there’s personal risk, but that inherent to this type of financing. There’s 2 things that need ti be updated. 1) the time to deposit cash for lending purposes needs to be quicker. With the direct bank link, the cash should available immediately. 2) lenders on here are individuals, not banks or corporations. There needs to be an option that can be toggled in setting to switch between APR interest rate and ROI. The interest rate is irrelevant to me as it’s dependent on the length of the loan and really means nothing to us individuals. The ability to see ROI is much more relevant. Knowing that you will receive, 10%, 15%, 30% return is much more meaningful. I personally have an ROI target per each loan length and that’s what I base my decision on.Show lessScottBoat
Do NOT use this app if you need help
I wrote them earlier this morning in regards to my loan payment that has been marked “missed payment” with no option to tap/click pay now. You HAVE to go through them manually. Mind you the money was originally taken out from my bank to pay and then my bank took the money back. I wrote them explaining I’m having issues with my bank and the account has been closed and they keep giving me a robotic answer of “unfortunately we can’t change your information provided” but MONTHS prior I could change my banking info when the app was having issues connecting. It’s a “strict” policy but I’ve been able to do it before. Make it make sense. Any app I’ve used that allows money to be taken out ALLOWS you to change your bank. This company does not try to work with you to resolve the issue they don’t care . Now if my credit is affected there will be a problem. They do not respond to emails nor do they have a contact number. This is ridiculous . I would not recommend this app to anyone it’s a scam.Show lessinternationaldubai
Boooo
So you put in a request for a loan, then you wait and wait for an investor to offer you a loan. You can either accept it or decline it. If you accept it, you now have to wait again for the investor to sign the loan in which they have 48 hours to do so. If they do not sign the offer within 48 hours the loan offer they gave you is now expired! Now you are waiting AGAIN for an investor to offer you a loan. Mean while in your feeds on the app you’ll see multiple people accepting and getting loans for money every few hours, but yours is just sitting there.
My frustration and confusion came from when the investor has 48 hours to sign the loan. Why would someone offer you a loan and then they never “sign it” and now it’s expired? You put your loan out there and an investor should either want to borrow you the money, accept the terms and monthly payments and its done sense you already filled out all of your part, and boom you got your loan! But everything takes days to go through and it makes no sense. If someone is trying to find a loan immediately this isn’t the app for you! I put in a loan on October 5th, got a loan offer within 2 hours, I accepted it immediately! Then waited and waited and waited for the investor just for them to never sign it and it ended up expiring. So now my loan is still just chillin days later still no offers. And it’s only for $200. I do not recommend!Show lessxbearS88
Useless App
Unfortunately this app pales only comparison to similar apps. Virtually impossible to actually borrow money. Very very few lenders. You can’t resubmit a request for 30 days and if your loan doesn’t get funded within the first hour or so you will end up so far down the list that you will never have a chance. Very poor design for this app.
Adding another terrible experience. After months and months of never receiving an offer, I finally received one. I accepted the terms within minutes. And then was told the investor, for some reason, has to yet again finalize the offer they already made and was accepted. Of course, for nearly 3 days it just sat there, being held hostage, and then the “investor” never finalized and I wasn’t funded. On top of this, I was told my loan would be put back in the marketplace, but it was not. When I questioned if investors receive any negative punishment ect for doing this, I was told they do not. So any investor can hold peoples offers hostage ar anytime with absolutely no consequences… bet it wouldn’t be the same if I didn’t pay that loan back.
This is by FAR the worst p2p app on the market. Run away fast. There are plenty of better options out there. This place is a scam. Plain and simple. 1 star is far too generous, if apple had a negative star rating, it still couldn’t go low enough for what this app deserves. Miserably bad customer service as well.
Run. away.Show lessbkr99999999
Please oh great algorithmic divinity select me to benefit from your affinity
Please oh great algorithmic divinity select me to benefit from your affinity… I beseech and implore thee great powers be of tremendously major vicinity. I am a mere human mortals obscenity please select me to be the victorious proximity of the funds I need them pretty seriously to help with life I need them funds and I want to win pretty terribly. Please and thank You for selecting me to be the winner of this rate app to win $$$$ please and thank You. You’re the best ever if I win. Even if I don’t and I get to get an advance/ loan using the app - you’re still great. If this ends up being a waste of time - the polar opposite of that… but I have confidence in your decency. Best regards!Show lessThuglyfeouthere
you will NOT get a $50-$200 loan
“to ensure current borrowers are able to get their loan funded, we are not accepting new loan requests at this time” this is what it said to me after i quite literally spent all day on this app. wouldn’t let me connect my bank, when i would click my bank it would be stuck on a white page instead of going to the bank page so i can login. i tried to upload my id at least 15 times, i did it correct every time however it would say can’t verify id. emailed support they said they kindly require me to resubmit my id for verification. still didn’t work. after like the 15th time it finally said success, now time to add my bank so i can get funds and also pay them back. okay cool, finally working. success! bank account added. now time to request funds, i only need $60, the minimum is $50 and max $200 i think. so i set up my repayment date which is in a month, everything’s set up, time to get some money that will help me stay by the next week and a half. nope. “to ensure current borrowers are able to get their loan funded, we are not accepting new loan requests at this time” so you couldn’t tell me this before i gave you literally all my information? like it could have mentioned this at any step but no they wait until right when i go to request some money, thinking all i have to do next is wait for someone to fund me hopefully. hate this app. will be going online to find anywhere i can rate this 1 star. do not use this app. complete waste of time.Show lessjusssbeinghonest:)))
Please take advantage of literally any other app
This app is a very big disappointment.
It’s obviously meant to be used by people who are in need of help. It’s extremely frustrating to have to get an offer on a loan from a lender, accept their offer, then have to wait for the lender to agree to the same terms they had already agreed to when they first sent the loan offer. If they don’t respond within 48 hours you don’t get the loan. It’s happened to me several times now. I’ve had quite a few different issues with this app. The most recent one is my bank account was compromised (unrelated to app) so i had to open a new one. It’s literally with the same bank and has the same routing number but it’s a new account number.
I reached out to customer support to see if they could update my bank account info and they responded by saying they don’t allow bank accounts to be changed.
So once you add a bank account you are stuck with it. If anything ever happens to it and you need to get a new bank account i guess you are barred from being able to use this app since you cannot change bank accounts. It’s so odd considering this is a loan/financial app.Show lessschaebaebay
WORST APP & CUSTOMER SERVICE EVER!!!
If I could give 0 stars I would. This is absolutely the worst app to try to work with. My very first request for a loan was accepted by a lender within minutes of me posting. However, as soon as I accepted the loan terms the lender cancelled the loan. This would have been fine except everything froze from that point. It wouldn’t allow other lenders to see my request (I confirmed this with a friend checking). It would not allow me to delete and retry…. NOTHING!! Then, the joke of contacting customer service began. It was like it was just a robot answering my emails. They did not acknowledge or help in any way with my issues but kept repeating the same crap over and over that didn’t apply. This was an ALL DAY thing and I never got my problem fixed. I couldn’t even get my account cancelled. You are required to pay a fee to even start and I’m truly starting to believe it was a scam when the lender accepted then cancelled so quickly my loan so o couldn’t go any further.Show lessKaitmanda
Scam
This app doesn’t work and don’t expect any loan. When you submit a loan you for sure will get a quick “fake” offer after you accept such offer the “investor” will never sign the papers and you will not be able to get any loan soon. This has happened to a lot of people I’m guessing this investors are just the app people trying to make you stay for another month waiting for a “loan” just so can continue paying the monthly subscription. Don’t waste your time and money it’s the worst app ever nothing works just when it’s time to charge the monthly subscription that’s the only thing they do right is take your money. If they are here for the money only and not to help people I don’t even want to know what this app people do with all the personal information provided like ss and bank info. Horrible experience and I don’t even have an option to delete my account. They don’t care about anything just about charging your monthly subscription payment. I will for sure report this app “business” is a scam. Don’t fall for the 5 stars reviews they just will ask for a review in exchange for a chance to win a $100 prize so people just make fake 5 stars reviews to win. Beware of this app!Show lessAna748rfv
Just ok
It’s alright so far it took me like 2 months before I was able to even request to borrow anything there was a lot of glitches and now that I am finally able to request a loan I haven’t received any offers it’s been 5 days and nothing. Also you can’t cancel your loan request to try and resubmit a new one because they say your need to receive an offer on your loan before you can cancel it which makes absolutely no sense. So far it seems like a waste of time honestly it’s pretty misleading saying it’s so easy when in reality it’s not. Going on three months without anything. Solo funds it’s much easier to work and I received a loan and have built up my score in less than a month. I will wait another week or so and delete the app if I am still unsuccessful. If you are really in a pinch and need money quick don’t use this but if you have time to wait then hey this might be for you.Show lessSweetheartjayxo
