# SeedFi — user reviews > 53 indexed App Store user reviews of SeedFi by McBurberod Financial, Inc., rated 4.40/5 from 1,128 ratings. - Source: https://appshunter.io/ios/app/seedfi/id1543834789/reviews - App overview in markdown: https://appshunter.io/ios/app/seedfi/id1543834789.md - Rating breakdown: 5★ 908 · 4★ 46 · 3★ 23 · 2★ 19 · 1★ 132 ## What do users think of SeedFi? Overall sentiment: negative **Pros** - 🚀 Credit score increase - 💡 Helpful for building credit - 👍 Easy to use app - 👍 Great customer service **Cons** - 🐛 App issues and glitches - 🔒 Concerns about credit impact - 💰 Hidden fees and costs - 🔒 Difficulty withdrawing savings - 🔒 Accounts sold to other companies **Commonly reported bugs** - Login issues - App not functioning properly - Inconsistent information from customer service **Most requested features** - Mobile app improvements - Better communication about account changes - Easier process for closing accounts ## Newest reviews (13 of 53) ### 4/5 — Glitches & Logging issues 🫤 *2022-12-10, version 1.3.6* So to be very honest I was very much excited to have to opportunity to apply & approval for Seedfi the secured loan in the amount $2000. Then add a savings accounts in order to show. So after downloading the app earlier this year I was able to login, but now I’m having issues. Like this past weekend & yesterday. So a I would had given 5 but I hope by reporting on AppStore that this would be fix & resolve. Also notice others have mentioned that as well. I’m a fan of Seedfi, but I really hope that you can get this update in order to prevent ongoing issues as soon as possible. Thanks. **Developer response:** Hi, we're sorry to hear this and we would love to take a look at the issue. Please reach out to our customer support team at 833-604-0500 or at customerservice-egs@alorica.com for further assistance. ### 4/5 — Good Stuff *2022-11-29, version 1.3.3* I like this app and it’s service because it’s a lot like an account that I had at Crane once, but that account didn’t regularly take money from me to build on the savings. I could just add to it whenever I had spare money, which didn’t seem very often. This takes my money(a set amount) from me on a recurring basis that I can look back on my transactions to help keep track of when the next payment is due. Which, that is a little more difficult than just opening the app, I suppose, but that’s my complaint here. I just wanted to pass on to the dev team that I keep experiencing issues logging in. Namely, my iPhone keeps closing the app as soon as it recognizes my face and logs me in. Totally bump this review to 5 as soon as the app quits doing that to me(and others, possibly.) Overall I highly recommend to those who have difficulties budgeting and or resisting the things on display at the stores lol **Developer response:** Hi, we're sorry to hear this and we would love to take a look at the issue. Please reach out to our customer support team at +18888588248. ### 1/5 — Terrible Company *2022-08-18, version 1.2.0* Update: You asked me to write to you based on my review I posted. I’ve sent you two emails with proof of what your representative confirmed but still denied my application for. I submitted an application a few days ago. I submitted all of my requested documents within the app as they were asked of me to do so. This company is terrible and misleading!!!! I spoke with several customer service representatives whom all reassured me that the only document I needed to submit was my bank statement, which I explained in detail via email and via phone calls that I’m on an join bank account, which is where all of my transactions, payroll deposits etc., are in/located. Every single representative I spoke with LIED TO ME!!!!! They told me oh we see your name listed at the end of your statements as a joint owner so the only thing you need to do is re-submit your documents and everything should be fine and we can proceed with your application for the borrow and grow fund. That was a complete LIE!!!!! My application was denied because now they are saying they don’t see my name listed on my bank statements which is a complete LIE!!!! DO NOT DO BUSINESS WITH THIS COMPANY!!!!!! I will be contacting the Better Business Bureau!!!! **Developer response:** Hi Diamundgurl - We're sorry this happened. There are a lot of strict rules in the financial space that are required before we are able to approve/fund a loan. This can sometimes really slow down the process. We would be happy to take another look at your application if you'd like to write to us at appstore@seedfi.com. Thanks! ### 1/5 — Take money out of account same day, but Hold your savings forever *2022-07-29, version 1.1.4* Paid off my loan in full, 3500$, look at my bank account 10 minutes later and they have already processed payment, been waiting on savings to unlock for 3 days and they said im going to have to wait longer (up to 9 business days) and then wait another 2-3 business days to process to my bank account, they are quick to take your money out but cant press the button to release your money, going to file a complaint with the CFPB since this seems unethical given im not being paid interest on money they owe me! **Developer response:** Hi Dano - It can take up to ten business days for the savings to release. There are a number of factors that go into this - like an outside bank that can slow the process down (and we just have to wait for them) or required fraud checks. We wish we could instantly have it all sitting there the second you make your last payment, but in the finance industry, there are a lot of rules behind the products that we are required to follow. Thanks for the feedback! ### 3/5 — Mobile App *2022-07-07, version 1.1.3* When will there be an update for the app? Instead of having to use the browser. ### 1/5 — Never again *2022-06-18, version 1.0.29* This system of credit/ loan is extremely inconvenient. They say you can pay off the loan early, but when you do they keep your account locked, I have called the number and spoken to them multiple times, and each time I spoke to a different person with different opinions on why my account is still in locked status, which leads me to believe, they have employees that have no idea what the rules and regulations are for this company. I am irritated with waiting, and I am going to file a few formal complaints. I will most likely be contacting a few lawyers to see what my available actions are. “Do not use this company”!!! I repeat, “do not use this company”!!! This is why I don’t trust digital banking. **Developer response:** Hi afuriousOne38- Thank you for the review. We're sorry to hear you have some concerns about your account. Our customer service agents would be happy to chat with you and figure out what's going on and find a solution. You can contact them at appstore@seedfi.com. Thanks ### 1/5 — Beware this is a non-functioning app *2022-06-16, version 1.0.29* Apple should take this app down. After loading you get a message that states the app does not support credit builder prime a link on the bottom redirects you to their webpage no other options. Seriously having my doubts on continuing my patronage.. ### 4/5 — Can’t access app *2022-06-07, version 1.0.29* I installed the app but I can’t access it due to a update that has not yet came to the platform, wandering when this will be available so I can check my credit builder prime plan. Thankyou ### 1/5 — Sick of your crap *2022-04-12, version 1.0.28* So I made account with you guys And you screwed me over I don’t appreciate that acting like you’re gonna help me out and help me learn how to do my credit if you’re gonna be liars like that one so just give me my money back and dip I asked for help two days ago you just sent me an inconveniencing email with a robot thanks ### 1/5 — Do really want the worst customer service possible when your credit and money is involved? *2022-03-30, version 1.0.28* Look…this company here SeedFi has one huge amount issue and in all honestly it’s a giant red flag. A giant red flag especially when money and your credit is involved. What their offering can be found through numerous other company and I would highly suggest looking elsewhere. Yes SeedFi has a pretty website and app but that’s really it. What’s the issue you ask? Their customer service. 1. You’re almost forced to email them. They state that you’ll get a response back in 2-3 business days. I sent them two emails 4 months ago that I have yet to hear back from. Then I sent another two 3-4 weeks ago and have yet to hear back. Not only did I sent them through one email but I copied them and sent through a whole different email address. No answer or response with any of them. 2. Their phone system is terrible. I’ve been put on hold for 1.5 hours and just had the call end on their side. Then more wait time. Good luck. 3. Their customer service team has no clue what they’re doing nor do they even know how their own company works. Nobody can answer questions about any specifics. They’re very rude and unprofessional. These are big red flags. I would look elsewhere. **Developer response:** Hi GoatBrew, we are sorry to hear about your experience. We understand this must be frustrating. We definitely want to look into your account and understand what happened, so we can do a better job next time. Can you email us at appstore@seedfi.com and provide your email and name on file? We will investigate and get back to you as soon as possible. ### 1/5 — Fix the issues on the app *2022-03-04, version 1.0.28* The won’t let me plug in a new form of pay which is making my payment late i have been on hold with customer service they transfer and the phone hangs up my accounts is steady being late because i can’t pay online or over the phone i wish i never even signed up for this ### 1/5 — Horrible customer service *2022-02-28, version 1.0.28* This system only want you to do it one way and then when you call customer service try to get your problem fixed they don’t wanna do nothing!They would not respond for any questions that you may have for them. There is never a member of management or supervisor there to talk help with anything! Dead beat company! ### 1/5 — Funds Locked Unable To Withdraw *2022-02-23, version 1.0.28* My experience has been absolutely terrible with this app. I don’t write reviews often but I’m so frustrated I had to. After paying off my loan completely, it has been over a week and still my funds have not been unlock. The funds have been settled, so there is absolutely no excuse why this is happening . Checked the review pages across various sites and it turns out, I’m not the only one that has experienced this issue with this company. This review serves as a warning to anyone who is currently thinking about using this service, to be prepared for this occurrence. Day 8 and I have yet to receive my funds as of writing this review smh **Developer response:** Hi Rashawn! I understand this is can be frustrating. Our team has already reached out to you privately via email with an update. Please let us know via email if there is anything else we can help with. Thank you. ## Most critical reviews (10 lowest-rated) ### 1/5 — STAY AWAY FROM THIS COMPANY WILL AFFECT YOUR CREDIT SCORE *2023-07-08* Had I known that wanting to save money would end up lowering my credit score drastically I would’ve never fooled with this company. I wanted to save a couple of dollars, but once it was time for me to withdraw the monies that I saved they automatically closed my account. Once it closed my credit score drop drastically. I tried to call the company and of course the people that answer the phone have no clue on how to help me. This app is supposed to be a credit builder and all it did was up my credit score by little points an when I withdraw my savings, it dropped drastically 63 points to be exact. How are you supposed to withdraw YOUR money without having your credit score F’d with? If anybody reading this, do not do business with this company. It should be banned! ### 1/5 — STAY AWAY FROM THIS COMPANY WILL AFFECT YOUR CREDIT SCORE *2023-06-07* Stay entirely away from this company. This company claims that it’s a credit builder when actually when you take your funds out because you hit your target savings they will close the account and a closed account will drop your credit score drastically. Do not download and do no business with this company. I contact them, and they brushed me off. They took so long to contact me and to make things worse they said please refer back to the communication that you received on May 8th for the account closure. So that means for me to contact them again so someone else can take care of it is what I got out of that email. A horrible, horrible company. Sickening! ### 1/5 — Scammers. *2022-12-28, version 1.3.6* Started a loan with them only for it to be transferred to SST. So I paid the service fee and loan interest to Seedfi and now I have to pay a service fee to SST everytime I make a payment. Costing way more than what the original loan was for. Thanks for the useless reply, I’m aware you are with in your legal rights to change who is servicing the loan. It doesn’t make it any less of a crappy decision for your clients. Especially when SST adds an extra service fee. My account is literally 3 months old, if I had been told there would be a possibility of a change I wouldn’t have opened an account with you. **Developer response:** We understand your frustration that servicing of your loan has been transitioned to someone new. The terms of your loan are memorialized in the loan agreement and will remain the same. The specified loan servicer can be changed without borrower consent to support the continued repayment of loans. ### 1/5 — Loan was sold - Trouble getting savings *2022-12-25, version 1.3.6* This was initially an ok deal - a high interest loan, but regular payments, the ability to pay early and a clean app. Well, the loan was sold to a company without the proper interface for handling this loan. There was no warning or ability to pay off the loan before the transfer, which I would have done. The email giving us our SST was late - we were told we’d get it on a Monday, mine came three days later. I immediately paid off the loan and after two weeks, the 2K+ in my savings is still locked, with no communication on how or when it will be released to me. It helped when I needed it and it’s been paid off, but I’m still waiting on funds and I would not repeat. ### 1/5 — Sold loans to SST after Intuit Acquisition *2022-12-11, version 1.3.6* Blind sided - acquired by Intuit (makers of Quickbooks, CreditKarma, etc) and they decided to sell accounts to SST, a loan servicing company with a shady online presence. Problems: 1. Current SeedFi payment and balance history is no longer available online - how do I know my loan balance and payment history will be consistent with the move 2. The account on my credit report will be closed and a new account created - I don’t want any new installment loan accounts as you know this can be credit adverse. 3. The savings money is still at CrossRiver, who says there will not be a withdrawal issue when the loan is paid off? Who becomes the custodian of the savings money now? 4. There was no warning or option to pay off the loan in preparation for this transition. That option would have been great. ### 1/5 — Was Really Happy With This App/Company Until They Sold My Account *2022-12-09, version 1.3.6* SeedFi really sold me on their Borrow & Grow product and I was happy with it. Making the payments was easy, and having the savings account in a secure place with a trustworthy company made me comfortable. Then they decided to sell off accounts in the Borrow & Grow program to SST, a financial services company with some pretty shady business practices and horrible reviews! Now, I have to wait and see if I become another victim of SST and if they will honor the loan covenants that were made when SeedFi serviced the loan. If I had known SeedFi was going to do this, I wouldn’t have started an account with them. Potential borrowers, beware. **Developer response:** Transitioning our customers to a new servicer third party is certainly not part of our normal business practice. We are super passionate about giving all our customers the best experience possible. However, as SeedFi is moving into its next chapter we decided that this change was necessary. It hasn’t been ideal, and it hasn’t been as smooth as we would have liked it to be. We have tried our best to communicate with everyone by sending several emails ahead of time. If you feel that we didn’t communicate with you well enough, we are sorry ### 1/5 — Not Seedfi anymore is SST *2022-12-07, version 1.3.6* Seedfi doesn’t have my loan saving anymore, this new company is called SST. My locked savings doesn’t show in the app anymore. If I would of known from the beginning this was going to happen. I would of never done it. The user experience for SST, is garbage. You can pay over the phone or website. No app. When they send us email about the change, they said that I will get email with account number by 12/5. I never did. I had to call SST to do that. I complain to Seedfi about this but they just gave me a copy and paste answer. Don’t do business with them. Hopefully my savings money will be there when I finish paying this loan. **Developer response:** Transitioning our customers to a new servicer third party is certainly not part of our normal business practice. We are super passionate about giving all our customers the best experience possible. However, as SeedFi is moving into its next chapter we decided that this change was necessary. It hasn’t been ideal, and it hasn’t been as smooth as we would have liked it to be. We have tried our best to communicate with everyone by sending several emails ahead of time. If you feel that we didn’t communicate with you well enough, we are sorry. ### 1/5 — Not very detailed *2022-11-04, version 1.3.2* Signed up for credit builder prime through credit karma and my payment was $10 every 2wks and today when I wake up I see that I was about to be charged $20! They never said nothing anywhere about $20 being paid for first payment. They have alot of hidden secrets! I closed my account asap! ### 1/5 — Forced to upgrade to 15 *2022-11-03, version 1.0.29* I loved using the app when it supported iOS 14.8 now it’s not working and I still don’t want to update to iOS 16 yet why should we be forced to update to use an app it’s stupid until then I’ll keep using the web version unless they bring back the app support by changing a simple string text from 15.2 to 14 ### 1/5 — Company Refuses To Close Account *2022-09-03, version 1.2.0* Does what it says it does, however paying 24% interest on 4K when you only receive 2K drastically increases the interest that you pay (effectively doubles it), but they’re up front about it. That being said, they refuse to close your account. Their process for closing sends you to a phone number of someone who “can’t” close your account, and an email that does not work. Update: developer response is misleading. After you pay off your loan, you cannot close your account. I paid off in Nov. 2021, but my account stays open after multiple request to close it. **Developer response:** Our Borrow & Grow is a 2 part loan that can help our customers' immediate needs today and build up a savings that can be withdrawn once the loan is paid off in full (including interest and fees). We understand this might not be the best option for everyone. If you really want to close it out, you can pay the full payoff balance anytime. If not, paying according to the payment schedule will help you build credit and savings at the same time. ## Most praised reviews (10 highest-rated) ### 5/5 — What happened though?!? *2023-05-14* Loved this app when I could use it. After it ended I tried to do it again and the app no longer worked. Then I tried again and get a screen saying they no longer support the mobile app… so why is there even a mobile app? Then sent an email and got a response from Credit Karma because they are a part of Credit Karma (which I use) why is the service not offered or showing up on credit karma. What’s going on? ### 5/5 — Wow *2022-12-07, version 1.3.6* Way to go credit score! After saving my “first” $500, my score gained 36 pts on Trans and 29 on Equi!! Cool saving the loot, too! Perfect timing for Christmas! And I’m not paid to say this! Well, I’m paid with increased scores and the $500 saved, so, I guess I am being paid for my testimony! Way to go!!! ### 5/5 — Can’t beat it! App has obvious issues but… *2022-12-02, version 1.3.4* Improve your credit and get 100% of your money back! Bruh, already signed up! 🔥🔥🔥🚒 definitely trouble logging in through the app most of the time but the over concept of SeedFi is awesome! ### 5/5 — Credit score *2022-09-02, version 1.2.0* How often does your credit go up using this app? ### 5/5 — GREAT SYSTEM *2022-07-13, version 1.1.3* The credit builder is definitely a great option to increase your score. The app is faulty but the browser works perfectly 👍🏼 I waited sevens for my account to unlocked on the app but I was able to withdraw my money back on the browser. ### 5/5 — Great family company *2022-07-01, version 1.1.3* Great customer Service. They are understanding and concerned about my needs. I love the upfront no hidden fees too and the monthly payments or on point I would recommend them to anyone who needs some financial help and the best part you get money back in return. ### 5/5 — Love this app!! *2022-06-05, version 1.0.29* My credit score went up 103 points within the first 3 months of using this app. You guys are awesome!! Thanks for making something that was so incredibly difficult for so long and giving poor people the opportunity to get a decent score without breaking the bank. I live on a fixed income because I am disabled. So this was a absolute best option for myself and my family. **Developer response:** Hi SeAgle - we're really glad you're having a great experience and congrats on the huge score increase! 🎉🎉🎉 ### 5/5 — Great *2021-11-15, version 1.0.22* So good so far. Everything went smoothly. And for those complaining about not being able to access the full funds. It tell you that before applying. Thats the purpose for building credit. And if you don’t want to pay an extra 1500 on a $4000 loan then pay it off sooner then your expected pay off date. Geesh **Developer response:** Thank you so much for the review! We are glad that you are happy with our product and services. If you want to leave us any more feedback, get in touch at help@seedfi.com ### 5/5 — Cool app *2021-10-06, version 1.0.15* I don’t know how I stumbled upon this app, but since joining I’ve seen my credit score go up a few points. Should have found this app sooner. ### 5/5 — What a Fantastic App! *2021-09-08, version 1.0.11* This is an AMAZING app. I was approved, and had my loan funded within two days. Customer service called and went over all the details with me. All terms were fair and explained! Thank you so much to the developers for such a great way to get ahead and save as well. --- *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.*