# Loan One - Online Cash Advance — user reviews > 51 indexed App Store user reviews of Loan One by LOAN ONE LTD, rated 3.70/5 from 390 ratings. - Source: https://appshunter.io/ios/app/loan-one-online-cash-advance/id1530266897/reviews - App overview in markdown: https://appshunter.io/ios/app/loan-one-online-cash-advance/id1530266897.md - Rating breakdown: 5★ 245 · 4★ 13 · 3★ 16 · 2★ 19 · 1★ 97 ## What do users think of Loan One? Overall sentiment: positive **Pros** - 🚀 Fast approval and fund disbursement (minutes to hours) - 👍 User-friendly and simple application process - 💰 Accessible to those with poor or no credit history - 📈 Helps build credit score through on-time payments - 💳 Flexible payment options and installment plans - ⚡ Quick response times and notifications - 🎯 Transparent terms and clear language in disclosures - 🔄 Ability to reapply for higher amounts after successful repayment - 💵 Lower interest rates compared to traditional payday loans - 🤝 Helpful customer service when reached **Cons** - ⚠️ Very high interest rates on loans - 📞 Difficult to reach customer service - 🔐 Data privacy and information sharing concerns - 📧 Excessive spam calls and emails after signup - ❌ Inconsistent information handling between calls - 🚫 Approval amounts lower than requested - ⏰ Time-consuming application process in some cases - 🔄 Information not properly saved between interactions - 📋 Confusing process requiring multiple calls to complete **Commonly reported bugs** - Bank information not properly linked despite confirmation emails - Application notes not saved between customer service calls - Automatic denial without user confirmation or explanation - Information loss during multi-step verification process - Inconsistent approval status between different calls **Most requested features** - Improved customer service accessibility and response times - Better data privacy controls and opt-out options for marketing - Information persistence across multiple customer service interactions - Clearer communication about approval amounts upfront - Option to increase loan amounts without full reapplication ## Newest reviews (16 of 51) ### 5/5 — Good *2022-09-27, version 1.1* They have an extremely high standard which I can appreciate but also find challenging. Nevertheless, I kept trying and finally got approved for a small loan which is great because I just want to build credit. With how hard it is to get started, I'd assume Loan One takes on time payments extremely seriously and I'm sure it's in your/our best interest to do anyhow. Good luck everyone! update: This is a credit booster for sure! ### 5/5 — Sergik *2022-09-24, version 1.1* Applying and approval was easy. My loan/ installment agreement is affordable and not too high in interest. I received my money in my account right away!! Thank you Loan One Finance🥰 ### 5/5 — Great *2022-09-23, version 1.1* Great so far interest is lower than regular payday loan places easy to use was approved for 250 instant revived it in a few minutes no issues and was able to pay it off in multiple payments or 1 go if you wanted with no additional interest, no membership fees and instant is free for the first time using otherwise small fee but overall best cash advance app. ### 5/5 — The best app *2022-09-23, version 1.1* the app is amazing and is very helpful improving my credit score, and helping me with managing priorities better. Less time being stressed out, more time be enjoying life.😇 ### 5/5 — Cool *2022-09-19, version 1.1* I just downloaded the app less then 10 mins ago and was approved for $200 right away. No complaints so far. ### 5/5 — 👍🏻 *2022-09-19, version 1.1* Loan One is a great loan app..an really works and also helps to build your credit by making on time payments....i am a first time user and got approved immediately just by supplying some important personal information and the rest of the process was approved quicker and easier then i ever imagined ....Loan One is definately the best alternative to a conventional payday loan....THANK YOU Loan One, FOR MAKING IT Loan One FOR ME ! THANK AGAIN MARCO GALINDO😊 P.S. LOOK FORWARD IN CONTINUING BUSINESS ### 5/5 — Alexandra *2022-09-17, version 1.1* I want sure I would be approved for to my credit, but I was. I am excited to help fix my credit. Thank you Loan One finance. I wanted to add an update to my first review. I just finished my first loan with them and once the last payment posted on their end they immediately let me reapply for a new loan for even more. If you are hesitant because you think it might be a scam I just want to reassure that it isn't. What's even better it doesn't charge an arm and a leg on finance charges. ### 5/5 — 🔥 *2022-09-16, version 1.1* Loan One Finance is great when you need it for emergency or bill purposes. It is a great option for short-term financial needs. ### 5/5 — I received my second loan very fast, enjoying the app so far. *2022-09-16, version 1.1* I received my second loan very fast, enjoying the app so far. ### 5/5 — Super *2022-09-16, version 1.1* This app is one of the best for emergencies and not charging too much for interest and payment requirements. To be honest, this loan app made my life easier when I was in a down point in my financial situation. So I would highly suggest this app. ### 5/5 — Perfect for those who can’t get approved elsewhere *2021-04-09, version 1.1* My credit score is below 500 and they found me a loan almost instantly. This is great for emergencies BUT the interest rate can very very very high so it’s best to pay it off immediately or make double payments towards principle if possible. I will edit my review if there are any issues but so far so good!! ### 5/5 — Great and Fast Service *2021-03-13, version 1.1* I needed a Loan Fast fir car repairs after researching and reading the reviews, I applied! I was amazed at How fast I was approved and for the Amount I needed for repairs! Doubling up on the payments or paying extra on the principal would be Wise! I recommend this app to anyone who has a decent paying job but need extra for emergencies! I am actually writing this review out of Appreciation and being there when I need it... warning very High Interest rates!!! ### 5/5 — Fhjndghb *2020-12-26, version 1.1* Applied and with in 30 minutes of it had the money in my account fast service. Was kinda unsure of doing it but everything came out great. Thank you! ### 5/5 — Я *2020-12-12, version 1.0* I signed up, and was approved immediately! Not only did I recieve a direct deposit within minutes but the repayment is financed and the loan goes towards a better credit report! I couldnt be happier with Loan One. Oh, yeah! I was charged a measly 17 bucks for the loan! ### 5/5 — Real Review *2020-12-10, version 1.0* I’m not sure if all of the reviews found here are legitimate and that was my biggest concern before deciding to give this app a try but I’m glad I did. There’s no credit check. You’re approved automatically for up to $400. I was approved same day and got my advance the next day. I pay back in installments every two weeks. As you pay back your loans on time or early, you earn points which net you more trust with the company for higher loan amounts and cheaper interest rates. My experience has been great so far and would recommend. ### 5/5 — Good *2020-12-05, version 1.0* Very easy and quick response times convenient payment options ## Most critical reviews (10 lowest-rated) ### 1/5 — Don’t trust *2022-11-19, version 1.1* These apps share your information, I applied on this one and got a response from a so called lender out of Seattle Washington saying I was approved for a 5000 loan but we would be working with a Canadian bank (scotiabank) and it would be a secured loan requiring the first three months as security deposit. Well I got scammed 600 dollars are from putting my information into this loan app that also gets you a billion spam calls as well as emails that loop you in circles and pull your credit score. NEVER AGAIN! ### 1/5 — Annoying process. Don’t recommend. *2022-11-09, version 1.1* Took three hours before I just gave up on the process completely. First call, 40 minutes wasted because apparently they didn’t save any information. Second call is to “start” the process because “I” didn’t start anything. Nor did I have my information uploaded (it was all within the first call, even three way called my bank in for verification). Third call finally had the notes of starting the process but not my bank information because “I didn’t start the process” even though I had an email confirming my bank was linked. It wasn’t linked on their end. Three hours later and an afternoon set aside I made no progress and just had them cancel the entire application. Oh and so fun, as soon as they had my email address it was somehow sent or sold or whatever because now I’m receiving false advertising for loans every three minutes. Don’t recommend even signing up. ### 1/5 — Scam *2022-01-24, version 1.1* This app is a scam I was told twice that I was approved signed documents and was told my money was on its way 2 hours have gone by and guess what no deposit then I call back to the number they told me to call originally and it says without asking me for any information that my request has been denied ….how do you know who you are talking to I never said a word. These people have all of my information I should have quit when I started to feel uncomfortable…. Do not trust this app! Now I don’t know where my information is I’m going to have to block everything! ### 1/5 — I’m disappointed *2021-10-09, version 1.1* I normally don’t write reviews, however this one was needed. I found this by chance because I was desperate after having a family emergency plus my car breaking down, so I found this app and read the reviews, was skeptical, but tried keeping an open mind about it. Filled out everything only to be denied. And not just for one amount either, I applied even for the lowest amount allowed and still got denied. ### 5/5 — Good *2024-02-25* I love the realistic graphics and smooth controls in this car simulator game. It really makes me feel like I'm behind the wheel of a high-speed racing car. ### 5/5 — Cool *2022-10-09, version 1.1* They helped me when I was in a jam out of town and it was deposited really fast. Thank you so much. It was fast and simple. ### 5/5 — Быстрые займы *2022-10-09, version 1.1* I'm definitely plzd with the help ...but I will come back after it all and really tell k u how it went thanks Loan One for helping me in the time of need ### 5/5 — H *2022-10-08, version 1.1* Love it...very flexible payments..very fast decision...don't have to worry about your credit. It actually helps your credit by paying on time. Thank you Loan One finance. ### 5/5 — Fhhgg *2022-10-06, version 1.1* I have been having bad luck trying to get a loan since my identity was stolen and used but Loan One made it Loan One to feel there's hope still for getting through this whole ordeal. Thanks Loan One Terri Taylor ### 5/5 — I have had a very positive experience with them *2022-10-06, version 1.1* I have had a very positive experience with them ## Most praised reviews (4 highest-rated) ### 5/5 — Айырзана *2022-10-05, version 1.1* Helps me raise my credit score and gives me extra money when I need it. ### 5/5 — Jg *2022-10-02, version 1.1* Im so grateful for this app. It has come in very handy when I was strapped and plan on using it to help build my credit. ### 5/5 — Super *2022-10-02, version 1.1* Nice to have help with credit score and extra cash when needed ### 5/5 — Street *2022-09-30, version 1.1* So far it's been a great experience! Very fast got approved for less than I had asked for but will still help alot. Thank you Loan One --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*