# Payday Loans USA — user reviews > 44 indexed App Store user reviews of Payday Loans USA by Rainbow UK Ltd, rated 4.43/5 from 3,799 ratings. - Source: https://appshunter.io/ios/app/payday-loans-usa/id497351172/reviews - App overview in markdown: https://appshunter.io/ios/app/payday-loans-usa/id497351172.md - Rating breakdown: 5★ 2,432 · 4★ 174 · 3★ 86 · 2★ 48 · 1★ 303 ## What do users think of Payday Loans USA? Overall sentiment: negative **Pros** - 🙏 Helpful support - 👍 Good people **Cons** - 🚫 Scam - ❌ Doesn't work - 🚫 Collects information without providing service - ⚠️ Misleading - 🚫 Waste of time **Commonly reported bugs** - Crashes and errors during application process - Redirects to other unrelated websites **Most requested features** - Provide clear status updates on loan applications - Improve transparency and communication with users ## Newest reviews (15 of 44) ### 1/5 — Scam *2025-03-29, version 2.0* Godirectpersonaloans.com stole account information, and made a bunch of purchases. Use another app ### 1/5 — Took info to spam *2025-01-02, version 2.0* This is not a legit service and should be flagged ### 1/5 — Scam *2025-01-02, version 2.0* Scammers ### 1/5 — Not worth it *2024-12-01, version 2.0* Doesn’t tell you if your approved.. ### 1/5 — Loans *2024-08-24, version 2.0* No help sent to a cash advance to set up a direct deposit / bank acct ### 1/5 — This app doesn’t work *2022-04-12, version 2.0* This app isn’t working . Only gives an error code after you complete the application. ### 1/5 — DO NOT DOWNLOAD THIS!!!!!! *2021-11-23, version 2.0* It’s a scam! It’s misleading, and just solicits your name and number to millions it seems of scam like telemarketers.. DO NOT DOWNLOAD THIS!!!!!!! ### 1/5 — Horrible *2021-11-21, version 2.0* Had me fill out all my personal information just to send me the third party lenders! Didn’t offer anything they advertised ### 1/5 — Misleading *2021-11-01, version 2.0* Way too long of a process to find out this company is shopping your application to other lenders. After spending 10mins going through the process, the processing page went blank ### 1/5 — SCAMMMMMMMMMM *2021-08-29, version 2.0* It’s a scam! ### 1/5 — Scam *2021-07-17, version 2.0* Redirects you to another loan site they keep redirecting you ### 1/5 — Appears to be a scam! *2020-08-11, version 2.0* Appears to be a total scam! Applied for payday loan and never heard any response. Now they have all my bank and personal information. Searched everywhere for contact information and there isn’t any. ### 1/5 — Don’t do it! *2020-07-21, version 2.0* This company is a scam! Do not put any of your personal information into their form! It will try and lead you to make a 1.00 purchase to run your credit so that you can have SecurePRO monitor your credit! ### 1/5 — App fake *2020-01-21, version 2.0* Dont used this app is fake they just want to take ur imformation plz ### 1/5 — What a complete waste of time *2019-12-30, version 2.0* After gathering what seemed to be an endless request of number after number and references and their phone numbers dates on when you started your job, when you moved in your home, date opened checking account and it goes on and on and on only after completing I don’t know how many pages of “application information “ only to have it take you to a pay site where they say you have to sign up for a credit monitoring crap and doesn’t give an option to use your own score that you obtained through the same bureaus they are force selling you. You have to give your credit or debit card for the score that they are “giving you. I tried to go back and to great dissatisfaction was told by an error message link expired and it tired to a BLANK SCREEN!!!!!! Are you kidding me?!?! Sounds like a scam and a huge waste of time. Apple why do you allow scammers to sell bs apps to your customers? Come we pay you really well for these phones and should have piece of mind. ## Most critical reviews (10 lowest-rated) ### 1/5 — Trash *2026-08-25, version 2.0* It takes you to additional websites to re enter your information ### 1/5 — Would give less stars if I could *2026-07-19, version 2.0* The second I filled this form out (light gray text with a shire background) mind you I started predatory phishing texts saying my loan was approved. When I hit submit they said someone would get back to me, never did. Waste of time. All these payday loan apps have the same HORRIBLE UI ### 1/5 — Scam *2026-06-27, version 2.0* Way too long of a process I would look elsewhere ### 1/5 — Waste of time *2026-05-22, version 2.0* Waste of time ### 1/5 — Fake *2026-05-12, version 2.0* This is not and app they just send your info out to other places that harassed you ### 1/5 — Scammers *2026-01-19, version 2.0* I filled out the form it said complete they never ever even called me back apple does need to stop all these scammers from putting apps they need to do a better service and verify all apps these phones are expensive as hell and all we get are scams ### 1/5 — Scam *2025-07-26, version 2.0* No help at all ### 1/5 — Scam *2025-07-25, version 2.0* Collects A LOT of information and doesn’t even bother attempting to appear legit after simply not functioning in any other way than to collect more info if you’re willing to provide. No follow ups. Not even another screen or loading bar once you press submit on your application ### 1/5 — Total scam *2025-05-26, version 2.0* This app just takes information no loans at all ### 1/5 — This is a scam *2025-05-25, version 2.0* They scam me and took all my information. This is not legit. ## Most praised reviews (9 highest-rated) ### 5/5 — Entitled *2024-05-30, version 2.0* First, I want to thank you 🙏 for the support you have provided to me through this difficult time and I hope that you continue doing your best to help me through this tough situation with my life and I will always remember that you have been there for me through all my life . Second I want to say that this is the most beautiful thing that I have ever experienced and that you are my best friend.💋 Last It’s a pleasure to do business together!! I promise that in the future If there’s ever anything one can can do for you , all you got to do is say the word!! 🫱🏻 you can rest assure that you too have my support. ### 5/5 — Try my luck *2021-07-10, version 2.0* Need a loan bad never had one ### 5/5 — Owner *2021-01-28, version 2.0* Very good people’s ### 5/5 — Highly Recommend *2019-10-01, version 2.0* Give it a try they will help ### 3/5 — They are a Middle Eastern terrorist Group! *2016-10-28, version 1.2.3* I applied for a small personal loan of $500 through this app. The next day I received a phone call from "Capital Finance". I got approved, payed $55for insurance fee and $35 for "state fee" all of which was a scam to get some money. He kept asking me to overdraft my bank account for him and he sent me emails of the fake card he was gonna use to loan me the money. He said he is with"Capital finance " but Google it and it doesn't exist. He asked me personal questions and got really rude with me. The number he called me on is (904)410-0097. I called the police and they are following this case. The man sent his name in the email as David Brown. He also threatened to Kill American military workers and has said many times I will never find him and says that he will bomb Washington DC. I called him 3 times today no answer. I wanted him on the phone while I was talking to the police, but he wouldn't answer. TELL EVERYONE you can about this app NOW! ### 2/5 — No *2026-04-23, version 2.0* Horrible place just wants your information and shares it ### 2/5 — waste of time *2024-02-18, version 2.0* Fillef out lengthy app & a message popped up saying someone would contact me. That was 3 days ago & so far haven’t heard from anyone. Wasted a lot of time for nothing. ### 2/5 — Waiting *2012-11-28, version 1.01* Just applied for a lone i'm suppose to get my money 24 hours. I'll pose another review if it this thing works!!! ### 2/5 — Bunny hunny *2012-09-03, version 1.01* Not to sure about this. Says USA but everything I find says England. Has no status check to see if accepted.. Hope it works. --- *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 2026-08-31.*