ExploreCredit.com Opinii 138

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.

Phillip was really kind and stayed patient while

Phillip was really kind and stayed patient while I finished all the links and other steps. I’d go with Explore Credit again if I needed help fast. Thank you Philllip!

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.

Not cool support

I recently paid off a loan with this company, and the experience was quite unusual. The loan itself had high interest, so most payments felt like they were just covering interest rather than the actual balance. The real issue, though, was the support. Every time I called, I ended up talking to the same guy. He had a thick accent and poor audio quality, and he kept changing his name to generic ones like Bob or Rob. It was strange because he seemed to be on speaker, and I could hear myself echoing in the background. At one point, he asked me to say random words over the phone and even requested a selfie with my driver's license and social security card. I skipped that step and was approved anyway. The whole situation felt shady, and the company needs to address it.

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.

So frustrating

I had a frustrating experience with this company. I thought I was doing everything right by canceling well in advance, but somehow they claimed they never received my request. Next thing I know, they went ahead and charged me anyway, and to make matters worse, they added interest on top of it. Communicating with them was a nightmare—getting any clear answer was like pulling teeth. It felt like they were dodging the issue, and I kept getting different stories every time I reached out. All I wanted was a simple resolution, but instead, I got a headache and a lighter wallet. It's disappointing when a company can't be straightforward and transparent with their customers.

You won't believe what happened

You won't believe what happened when I tried to turn off autopay with Explore Credit. I reached out to their customer support, thinking it would be a quick fix. But Jen, the rep, seemed all over the place. One minute she said one thing, the next minute it was something completely different. It felt like she was making things up as she went along. Then, out of nowhere, she just ended the chat, leaving me hanging. And guess what? Autopay is still on! I'm starting to wonder if they even care about customer service or if they're just trying to keep people locked in. I'm definitely going to look into this more, and I suggest you think twice before using their services.

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?

I got this call from

I got this call from Daniel about a $900 loan approval. He mentioned a company called Explore Credit, which I didn’t recognize, but since I've been applying for loans online, I thought, why not? Daniel promised to send the terms and conditions, which I checked out. The payments seemed high, so he offered to restructure them. Cool, right? I signed the new contract, connected my bank, and even sent my ID. Then, boom, they call back saying my loan was denied. Seriously? I was told I was approved and even signed the contract. They promised more info later, but nothing electronic yet. It's super frustrating to be misled like this.

I stumbled upon this loan

I stumbled upon this loan place and thought I'd give it a shot for a $500 loan. When they hit me with an insane 791.86% interest rate, I nearly fell out of my chair. They wanted me to cough up $160 twice a month, meaning I’d end up paying over $3000! I confronted them about the sky-high rate, and guess what? Four days later, they backtracked and said I wasn’t approved after all. They're operated by an Indian tribe, which lets them dodge some federal rules, but such a crazy interest rate isn’t right anywhere! They’re based in Georgia, and I’ve got proof of all this. If you’re thinking of applying, be ready for a wild ride.

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!

You won't believe what happened

You won't believe what happened with my loan payment. I set up a $500 payment, used my debit card, and thought everything was fine. But then, surprise! They hit me with an e-check for another $500 on the same day. My bank had to step in and fix that mess. Just when I thought it was sorted, they hit me again with a $250 e-check, even though the debt was settled. Seriously, I had to call my bank, explain everything, and get them to stop this unauthorized payment. It's like playing whack-a-mole with payments. Just wish they'd get their act together and stop dipping into my account without permission.

I thought getting a loan

I thought getting a loan would help me sort out some household stuff, you know? So, I applied and got approved for $1250. Sounded good at first, but then I looked at the contract. The interest rate was almost 800%! Can you believe it? That meant I'd pay $8100 in interest alone, with monthly payments close to $800. How’s anyone supposed to manage that? It felt like the company was just out to make a quick buck. I can’t see how this is supposed to help people. It's just way too much. Honestly, I wouldn't recommend anyone to get a loan from them. It's not worth the stress or the money.

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.