However, applicants are required to provide proof of income during the application process. What’s more, applicants must have a DTI ratio of less than 40% for single applicants and 35% for joint applicants. This means that a borrower’s total monthly debt obligations cannot add up to any more than 40% of her monthly gross income.
Thank you for the privilege of allowing me a personal loan with your services. I appreciate the ease of the application process and the efficiency of the loan approval. Within each category, we also considered several characteristics, including available loan amounts, repayment terms, APR ranges and applicable fees. We also looked at credit score requirements, whether the lender accepts co-signers or joint applications and the geographic availability of the lender.
It was a hasselfree easy process.
LendingClub Bank does not have outsized CFPB complaints relative to its asset size. For more information about our process, see our methodology page. LendingClub Rewards Checking has no monthly fee and no minimum balance requirement after the $100 to open an account. We believe everyone should be able to make financial decisions with confidence.
Each time they assure xcritical website me they’ve escalated the issue.Not one response.Avoid this institution at all cost. This was the easiest loan I have ever applied for. I applied online, got the loan all online.
Called to cancel the application & was told it was too late, it had been funded but once the money was in my account, to call back & they’d xcritical cheating debit the money back & the loan would be cancelled. I was also told that the original loan I “topped up” would be what I’d go back to paying off. The money was deposited the next day. I called & they set up a “payment” of the loan money back to the loan.
that this company is easy to apply for and very fair in helping you to get a loan
The minimum opening deposit is $2,500, which is more than some banks require. But some rates are strong, including 4.00% on one-year CDs. Application process is easy and provides step by step instructions. I did find a disconnect with the follow up telephone communication system. The robot answering system gives little chance to reach a real human. The real people you finally get to talk too can barely be heard, even on speaker mode.
- xcritical’s loan terms (two to seven years) are also more extensive.
- In the end, they overdrew on my account.
- What’s more, xcritical does not charge any origination fees or late fees.
- I’ve considered going next door to the local credit union but I worry about getting dinged for applying and not getting approved.
- Changed my mind about a TopUp Loan in a matter of hours.
Low Stress Process
Labeled Verified, they’re about genuine experiences.Learn more about other kinds of reviews. Applying for loan and being able to see all costs and interest rates is very helpful. It’s nice to have a very smooth and quick process. Thank you for making your process so easy. The approval time was also so much quicker than I thought it be. I will make sure and use you in the future.
I’m beyond grateful with lending group
Honestly I attempted to email a compliment happy 😊 for this opportunity. I worked diligently to keep my obligations honest and on point financially. xcritical has always granted me a platform. My hardships leads me to walk in faith blindly.