0 stars, 999 apr, for 700 now I have to pay 4300 or more, don’t use this loan option! This people are thieves! Complete scammers!
Developer Response
We’re sorry to hear of your negative experience. Bright Lending discloses the total cost to a borrower when only the minimum payment schedule is followed and the APR is prominently disclosed on the loan documents signed by our customers. Should you have any further questions or concerns, please call customer service at (866) 441-7674.So the other day I checked my account and it said my balance was like $900 something and when I checked it again this morning it says my balance was 1,124.22. I have never missed a payment on this and I feel like I’m getting screwed over. They changed my balance on me and I have no idea why and I can’t find a way to check my previous payments. This is ridiculous. I only borrowed $1,000 and have been paying it off since May. I am grateful that I was able to get the money as fast as I needed it and I thought the terms of the contract were reasonable but I never imagined that they would change my balance on me like that I wish that I would have taken a screenshot and was able to post the change as proof but I’m just really upset about this right now. I don’t think I will be comfortable using this loan service again due to this issue. I can’t say it’s 100% a scam because I did get the money but the rest of it definitely feels like a scam so beware to those looking into this service.
Developer Response
Your feedback is incredibly valuable to us. We're sorry to hear about your negative experience. Our commitment is to consistently provide exceptional service and to maintain open lines of communication. We would be more than happy to engage in further discussions with you to address your concerns. Please feel free to contact our customer service team by calling (866) 441-7674.Absolutely the worst. Will never borrow again. Paying back way more than I borrowed.
Developer Response
We’re sorry to hear of your negative experience. Bright Lending discloses the total cost to a borrower when only the minimum payment schedule is followed. We recommend paying your loan back early, which reduces the amount of finance charges. Should you have any further questions or concerns, please call customer service at (866) 441-7674.This Is a scam! They will lend you a small amount and dump interest on you even if you pay on time. I borrowed 400$ and ended up pay close to 800$ they doubled the amount and it’s just not worth it I promise!!
Developer Response
We’re sorry to hear of your negative experience. Bright Lending discloses the total cost to a borrower when only the minimum payment schedule is followed, and the APR is prominently disclosed on both our website and the loan documents that are reviewed and signed by our customers. Should you have any further questions or concerns, please call customer service at (866) 441-7674.I am one of many borrowers who have been ensnared in the predatory web of Bright Lending. Despite diligently making ten on-time bi-weekly payments totaling $2,688.30, I was shocked to discover that the overwhelming majority of my payments had been allocated towards interest, leaving me with an outstanding balance of $2,019.24 on the original $2,100 loan. A mere $80 has been applied to the principal amount, effectively trapping me in a cycle of debt with no end in sight.
This situation not only highlights the egregious nature of the exorbitant 325% interest rate imposed by Bright Lending but also underscores the predatory amortization structure employed by such entities, where minimal progress is made toward reducing the principal balance. It is a glaring injustice that demands immediate attention and intervention from lawmakers
Bright Lending is operating what appears to be a "rent-a-tribe" scheme, where the economic gains from lending operations are funneled to external parties rather than benefiting the tribe itself. These LLCs are no more tribal than their non-Native, out-of-state beneficiaries.
Developer Response
We’re sorry to hear of your negative experience. We inform our customers that this is an expensive form of borrowing, and the APR is disclosed on our website and in loan documents reviewed and signed by our customers. While your claims concerning Bright Lending’s legality are categorically false, we regret your experience was not reflective of our commitment and thank you for sharing your feedback. Everything is disclosed and very transparent. Thanks for being there when needed.
Developer Response
Thank you for taking the time to leave us a review. We are so happy you chose Bright Lending for your personal loan needs and appreciate your feedback.How do i repay my loan before the first payment?
it’s scheduled to come out on the 25th. but i want to pay it in full on the 17th.
Developer Response
Thank you for reaching out! We recommend paying your loan back early, which reduces the amount of finance charges. You can pay your outstanding balance at any time without prepayment penalty—simply visit our self-service portal at selfservice.brightlending.com or reach out to our Customer Service team using the methods listed on our Contact Us page.Have paid off on time way more than I originally borrowed completely upset! I’d understand if you do not make payments on time….but that is not the case! Would use again if they stoped charging you after repaying requested amount. I have paid $770 on a $600 loan every payment on time? Totally unfair would use if they resolved issue and stoped charging me impossible to save money now I have been advised to go to my state representative to deal with the matter and no one on brights end has been helpful in any matter to address the situation I will contact my bank as well Will talk to my state representative and bank to get the issue handled no effort to reach out on brights end
I have called that customer service number with no human answering
Developer Response
Again, we are very sorry to hear of your negative experience and are here to help. Unfortunately, we are unable to confirm your identity or account based on this review alone, which is why we have been unable to reach out. Please contact customer service at (866) 441-7674 so that we may assist you with any settlement requests you may have.Have paid off on time way more than I originally borrowed completely upset! I’d understand if you do not make payments on time….but that is not the case! Would use again if they stoped charging you after repaying requested amount. I have paid $770 on a $600 loan every payment on time? Totally unfair would use if they resolved issue and stoped charging me impossible to save money now I have been advised to go to my state representative to deal with the matter and no one on brights end has been helpful in any matter to address the situation I will contact my bank as well
Will talk to my state representative and bank to get the issue handled no effort to reach out on brights end
Developer Response
We’re sorry to hear of your negative experience. The APR is disclosed on our website and is prominently displayed in loan documents that are reviewed and signed by our customers. We regret your experience was not reflective of our commitment and thank you for sharing your feedback. Should you have any further questions or concerns, please call customer service at (866) 441-7674.Have paid off on time way more than I originally borrowed completely upset! I’d understand if you do not make payments on time….but that is not the case! Would use again if they stoped charging you after repaying requested amount. I have paid $770 on a $600 loan every payment on time? Totally unfair would use if they resolved issue and stoped charging me impossible to save money now
Developer Response
We’re sorry to hear of your negative experience. The APR is disclosed on our website and is prominently displayed in loan documents that are reviewed and signed by our customers. We regret your experience was not reflective of our commitment and thank you for sharing your feedback. Should you have any further questions or concerns, please call customer service at (866) 441-7674.
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