ExploreCredit.com

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I was completely overwhelmed when

I was completely overwhelmed when I realized I had 26 payments left. I couldn't believe it! I decided to call in, and that's when I spoke to Evan. He was super helpful and explained that if I made a payment within the next 30 days, I could actually shorten the loan term and reduce the number of payments. It was such a relief to know I had options. Evan really made a difference during a stressful time for me. Thanks to his guidance, I feel much more at ease with my financial situation. So grateful for the support I received!

I've had a positive experience

I've had a positive experience with them so far. The team has been really helpful and supportive. I'm currently waiting to hear back about the funds I applied for, which I need to pay an important bill. Everyone I've interacted with has been great, and they seem to really care about helping me out. I'm feeling hopeful about getting the funds soon. Once everything is sorted, I'll definitely leave another review. Overall, it's been a good experience and I'm looking forward to seeing how things turn out.

I had a chat with

I had a chat with Jen the other day, and wow, she was kind and really understood what I was going through. I was stuck in a tough spot after Hurricane Milton, and Jen did her best to help me out. Talking to her made me feel a whole lot better, even though I still don't know if I'm approved or not. Just her kindness and willingness to assist really lifted my spirits. Fingers crossed that everything works out, but either way, chatting with Jen was a bright spot in my day.

I've used Explore before without

I've used Explore before without any issues, so I decided to go with them again. This time, Abigail was my rep and she was amazing! She walked me through the whole process and even applied a 20% interest code for me, which is fantastic. Now I'm just waiting for the approval, shouldn't take long. It's important to pay these loans off quickly to dodge high interest fees. Thanks Explore for the great service and for making things so easy! Definitely recommend.

I got this unexpected call

I got this unexpected call from Scarlet saying they gave me $500, already in my bank. I had a bunch of questions, but she took the time to answer everything. I was kinda skeptical at first, but she seemed pretty genuine. Now, I just gotta wait and see if everything goes smoothly. Fingers crossed!

Harry was very quick and helpful.

Harry was very quick and helpful. I am not happy that there's no way to check anything except by calling. You really need an online system so people can check and verify details instead of relying only on phone calls.

I spoke with Stella and Sophia twice this morning.

I spoke with Stella and Sophia twice this morning. Both were polite, professional, quick, and efficient.

It was great to have a patient

It was great to have a patient representative. I could ask questions and get answers in a clear manner.

I had an okay experience

I had an okay experience with this company, giving them a 3 for now. Alice, my rep, was super nice and helpful. But I did have to get a supervisor, Victor, involved to make sure they got all the info I gave them. They did what they could, but I’m holding off on my final thoughts until the funding comes through.

Reynaldo was very nice and helpful when I spoke with him.

Reynaldo was very nice and helpful when I spoke with him. However, I was shocked to learn that the APR is over 700%. This is an extremely high and costly way to borrow money. Be careful before agreeing to anything.

I've got a loan with Explorer Credit, and things were fine until

I've got a loan with Explorer Credit, and things were fine until I misplaced my phone. Had to switch numbers, so I rang them up to make the change. But now, I can't even access my account. Every time I try to log in, it keeps promising to send a code for sign-in, but I never receive anything. I reached out to customer service, and they said they couldn't help much, just promised to have someone call me back. But no one ever did, and even now, I'm still locked out of my account. It feels a bit dodgy. Lesson learned: don't lose your phone or change numbers, or you might never get back into your account again.

I had quite the mixed

I had quite the mixed experience. Samantha, Jen, and Michael were superstars—so helpful and friendly! But Samuel? Yikes, he was really rude and didn't help me at all. I got approved for my loan on Friday, but now it's Monday and still no funds in my account. I called them up, and they said it would take 2 to 3 days for the money to show up, but my email said it was being disbursed and I'd get it soon. Still waiting and getting pretty frustrated. Wish they were clearer about the timing.

I had a really helpful

I had a really helpful agent, super friendly and all. But here's the catch – they make it seem like you're good to go for the loan. You hand over all your info, bank details and everything. They even try to pull money from your account, get you to e-sign papers, and set up payment dates with crazy high interest rates. It's kinda misleading. If your credit score isn't great, I'd say steer clear. This process just didn't feel right to me.

This company is dishonest and ridiculous.

This company is dishonest and ridiculous. If you ever deal with them don't agree to anything and get a lawer. Use the money you owe them and get legal counsel, write negative reviews and bring them down. I want compensation for being deceived. Life changed because of their greed. Emotional distress of never being able to settle or close the acount.

This company is terrible

This company is terrible. I have a loan of $500 from them, but the interest rate is a whopping 599%. So, my total payoff to them is nearly $4000 for just $500 borrowed. Avoid them at all costs. They're greedy and not worth recommending. It's a struggle dealing with them.

This company feels sketchy.

This company feels sketchy. They took $1 from my account before I got anything, then hit me with a $20 overdraft fee. Where's the $600 I agreed to? Taking money first is unfair.

After I paied the account, Explore Credit kept illegally taking

After I paied the account, Explore Credit kept illegally taking money from my checking account. I reported them to the state of California A.G and the FBI.

I recently tried Ezzocard

I recently tried Ezzocard for the first time, and I'm impressed. Ezzocard made my online transactions smoother and more secure.

I had a wild ride

I had a wild ride with this loan company. First, they denied my application, but a month later, I found money in my checking account. I started making payments, but after a few, I hit a rough patch. They never reached out – no calls, no emails, nothing. Three months later, they began texting me about settling the debt, which had tripled. They offered to settle for $700, which I agreed to, but then another rep offered to settle for half. Confusing! I pointed out the $700 deal, and they confirmed it, sending a PayPal link. Weirdly, when I called, I always got men with heavy accents. I decided not to pay. Now, they’re offering to settle for $900 by March 28, 2025. I asked for an official letter, and then they offered $1000 in two payments. The next day, another text came, offering to settle for half of $3400. This whole thing is just too whacky.

If I could rate them with negative stars, I would.

If I could rate them with negative stars, I would. Due to a slowdown in our business, I needed a loan to manage until mid-next month. They informed me that I was approved for $500. I signed the paperwork and was told it would be in my account in two days. However, nothing came through, so I called them. They then said they couldn't provide that amount despite the signed documents, offering $350 instead. I signed new documents, expecting an email confirmation by day’s end and a deposit by 5 pm or the next day. When I checked my account, it was closed. I called again, and they said I’d need to reapply in another five days and would not receive the loan. They raised my hopes twice only to let me down. Even after I signed everything! My advice...LOOK ELSEWHERE FOR A LOAN. THEY ARE MISLEADING AND UNRELIABLE!

I was in need of

I was in need of a loan and ended up with this company somehow. Didn’t even realize I signed up, but they had all my info. Before they sent the money, I asked to cancel it, but it still landed in my account. Started making payments, but couldn’t access my online account. Tried calling them but no help there. Never got my loan agreement either, so I was clueless about what I had agreed to. Paid $150 three times for a $500 loan, but still owed $480! Called and emailed them a bunch, but got nowhere. Stopped payments through my bank, then they started using checks without telling me. Had to close my account and cancel my debit card. Paid them $500 already, but they keep trying to get more interest out of me. No way to see my account or any agreement. Feels like a scam.

Good luck and take care

Man, let me tell you about my experience with this loan company. So, I borrowed $1100, thinking it would help me out. But guess what? After just one month, and four automatic withdrawals, my balance had ballooned to over $600 in interest alone. I couldn't believe it. The interest rate is just insane, it's like they’re taking advantage of people. When I called to figure out what was going on, it was pretty clear: out of the $1100 I borrowed, only $11 had gone towards the principal. The rest was all interest. I ended up paying off the balance immediately. If you can, avoid this trap. It’s a terrible way to be treated, especially for us Americans. I hope someone reads this and thinks twice. Good luck and take care.

This is a big letdown, how can one link their bank account?

This is a big letdown, how can one link their bank account? Sign a paper and also get a payment date. I got all this on 10/1/2024 and called two days later (I called them; they didn’t call me) just to be told that I need to send a selfie holding my id. This is again two days after the date I was told it would be in my account. Now they say that more documents are needed. Well, when was I going to be informed? I called just two days later. Even asked to talk to "JEN" and was told HE doesn’t work on that floor. Which I found strnage since JEN is a woman (they even sent a pic with the email of JEN) so how would one not know this?

Avoid them at all costs!

Man, what a mess. First, they bombarded me with calls, like 8 times in a single day! They got all my personal info and told me I was approved for the loan a few days later. I even signed a contract. But then, they asked for the same info AGAIN just a few days later and kept texting me for it. In the end, they denied my loan for some vague "other" reason. Since then, I've been swamped with scam calls from fake loan companies. I’m pretty sure they're selling my personal info to anyone who pays. And when they do give out loans, the interest is through the roof at 700%. Super shady business. Avoid them at all costs!

I applied for a $900

I applied for a $900 loan with Explore Credit, connected to the Wakpamni Lake Community Corporation, part of the Oglala Sioux Tribe. My credit score isn't great due to some fraud on my accounts, so I thought this could help. They wanted my driver’s license, social security number, and bank details before even telling me the loan rate or terms. When I finally saw the contract, it mentioned a 782% APR and a finance charge of $6,309 for a small loan. This seemed super sketchy, almost like a scam. I didn't sign anything. Seriously, avoid this place and tell others to stay away too!

So, I gotta tell you

So, I gotta tell you about my experience with this company—it was a total disaster. I thought I was getting a decent loan, but it turns out they're super tricky. Before I knew it, I was paying back four times what they initially promised. It felt like being stuck in a never-ending cycle of repayments. Honestly, if you're considering them, I'd say run the other way. There's gotta be better options out there, like SPACE BANK. I've heard good things about their track record, and they seem way more reliable. Don't make the mistake I did—do your homework and choose wisely.

Avoid this company at all

Avoid this company at all costs! They’re nothing but scammers. Sent in all my verification info, and they kept stalling for days. They tell you you're approved, set up loan agreements, and schedule pay dates, but no money ever comes. When payday approaches, they come up with endless excuses, saying things aren't verified or correct. They even tried to take a payment from me without ever giving me any funds. It’s just one big headache and a bunch of BS. Do yourself a favor and stay far away from these guys. You’ll save yourself a lot of stress and frustration.

Been trying to get a

Been trying to get a loan for a week now, contacted Explore Credit three days ago. Sent them all the docs they wanted yesterday, but no word from them unless you chase them. They don't give instant decisions either. Yesterday they said they had everything, but today asked for the same stuff again. Had to follow up about my loan, even though I sent the info at noon. They had all of yesterday and today to look at it. Now, they're saying it'll take another 2-3 days for verification. It feels like they're just dragging it out. Not impressed at all.

I linked my bank account,

I linked my bank account, signed the document, and got a disbursement date for 10/1/2024. I called them two days later to check on things (they didn’t reach out to me) and suddenly, they asked for a selfie with my ID. This was after I was told the funds would be in my account. Then they said they needed more documents. Why wasn’t I informed sooner? I even asked to speak to "JEN" and was told HE doesn’t work on that floor. Strange, considering JEN is a woman (they even sent a pic in the email). How could they not know this? Feels like a scam.

Should be -0 stars

Should be -0 STARS!! They are definitely game playing scam artists. They have you send in all your verification info and then dance around for days, until 1-3 days before your payday, telling you your approved set up your loan agreement and pay dates yet never send any funds. Then it's excuse after excuse claiming things aren't verified or correct up until your pay day and then they even try to take a payment without ever have given you any money. DO NOT use them, you'll regret the headache and straight BS games they play.