Customer ReviewsforEasyPay Finance

Easy pay set up my payments for direct deposit. Come to find out the payments they set did not meet the deadline. Made my payments on time did my part not missing one and they set me up to fail and go past my do date. All because I didnt read the contract fine print that says you have to adjust the payment yourself to reach the deadline. Which was totally uncalled for when it would have been the right thing to do is set up my payments to pay it before the do date but they just leave you with the bill. And rude costumer service that does nothing to help out someone that was doing the right thing by paying all the payments on time when I was supposed to with not one missed. Just to get stuck with 172apr witch is double what the easy payment plan was for plus interest.

Hello, Thank you for providing feedback based on your experience. Per your contract, the payments processed were based on your contract terms. Due to the promotion not being a requirement, we are not able to adjust payment amounts without your authorization. We do provide a countdown on our website which includes all terms of the agreement. Additionally, your contract is on the website that outlines the promotion in three different sections of the contract which includes one page specifically dedicated to the promotion. We appreciate you making the payments based on your agreement and you're always welcome to contact us to pay off the agreement without a fee and avoid additional finance charges. We can be reached at ************** or email us at ******************************************* We hope you have a great day. Thank you.

EasyPay Finance is completely talking advantage of people in rough situations with an APR of 119% you will end up paying 3 times your original finance amount. A 1400$ car repair and they want 3900 after all is said and done. It's absolutely a money scam.

Hello, We are very sorry to hear this. EasyPay strives to always provide the best customer experience starting with the transparency of the terms for the agreement. We send all terms to your cell phone for you to review and agree to prior to signing. We try to help all customers so it is unfortunate you feel differently. We did provide you with a 90-day Finance Charge Cap Promotion that would allow you to pay the balance in full including up to a $40 finance charge and avoid additional finance charges. If you would like to discuss the terms of the agreement, you can call us or visit our website that includes a full copy of your agreement. Our phone number is **************. Thank you again for providing information based on your experience and we hope you have a great day.

Easy pay finance is a fraud you go and apply for a loan to help pay for your car. They have two names easy pay in American finance. I borrow 940 from these people and they said I have to pay double they want me to pay $2000. This is a ripper and there are scamming me out my money these people like I said you go apply for a loan with easy pay finance you find out. It has a different name that you get the loan from it. Pay finance and American finance. They still taking out my account when I have not gave them, the authority is not my payment date I want this business to be removed And that this is not gonna be on my credit Im gonna pay the remaining of what I owe them and thats it. Im not paying them. No double nothing these people are scamming me. I dont think anything about them so thats why Im not giving them no review. It is a poor business and I never want to do business with them again its a disgrace is ran by a whole bunch of

Hello. There seems to be some confusion regarding the amount financed. EasyPay and American Finance are two different finance companies and we are not affiliated with them. Additionally, the length of time and total of payments are outlined in the truth in lending disclosure which is also on the first page of your agreement. The complete agreement is sent to your cell phone prior to signing. We will reach out to you today to review the terms with you so you can better understand what was signed and presented at the time of purchase. Thank you for using EasyPay and we hope you have a great day. ,

DO NOT USE THIS COMPANY!!! We needed a loan of $2400. We were told, we had a year to pay it off without any interest. We set up bi weekly payments for $103 equaling $206 a month. So far we have paid about $1400. I logged into our account to pay off the rest (thinking it would be 1K) and it showed we still owed $2,300. Come to find out they are charging us *****% in interest. This is robbery at it's finest. We have 3 kids 5 and under, with enough bills to pay. I called customer service and they were not helpful at all. Our $2,400 loan has now turned into $5,900. PLEASE USE CAUTION when using EasyPay Finance! I hope this doesn't happen to any other person or family.

Hello. There seems to be some kind of confusion pertaining to the terms of the legally binding contract. EasyPay strives to provide complete transparency throughout the application process and the disclosures regarding the Finance Charge Cap Promotion being for 90 days in four different sections of the contract. Additionally, we send out a welcome notice including the terms of the agreement after the agreement has been completed. We also include a countdown on our website for the promotion. We will reach out to you today to discuss the terms of your agreement and also outline the breakdown of interest. Thank you for letting us know about your experience. We hope you have a great day.

This is the biggest scam I have ever seen...3 months no interest they say.... Then 179% interest....6 months later paid off with 800 on an 1100 bill how the heck is that even possible?

Hello. EasyPay strives to provide full transparency throughout the application process starting with sending all terms to your cell phone prior to signing. Once completed all contracts have a 90-day Finance Charge Cap Promotion to avoid paying the entire length of the agreement. Once the promotion has expired, you can contact us and pay the balance in full at any time to avoid any additional interest. If you would like further information regarding the terms of your agreement, please contact us at **************. You can also view all of this information on our website where a copy of your agreement is also available. Thank you for using EasyPay and we hope you have a great day.

Do not use easy pay finance. I needed a loan to repair my car, a simple loan of $1400. I should have read the full terms of the contract as it highlights an interest rate of 149%. So for example a payment of $99.10 is broken down into $23.47 going to your principe balance while $75.63 goes towards interest. How is this legal you ask? They use rent-a-banks to get around state laws that cap interest rates such as my home state of ** which has a cap of 8%. The one they currently use is out of ****. I understand lenders make money from interest but 149% is excessive. I wouldve gotten a fairer deal from my local loan shark. Do not use them under any circumstances. Not until they start being reasonable with their interest rates and referencing state interest rate caps.

Hello. Thank you for contacting us. There seems to be some confusion pertaining to the breakdown of every payment on your agreement. We would be happy to clear this information up for you. Please contact us at **************. We are more than happy to serve you. Have a nice day.

100% scam. i was told my rate would be 30%. the rate was actually 149%. customer service beyond unprofessional & useless.

Hello. We appreciate you letting us know about your concerns regarding the terms of your agreement. There seems to have been some confusion regarding this information and we would be happy to review the agreement with you. We do strive to provide full transparency starting with sending the complete agreement to your cell phone prior to signing. Once completed and agreed, the entire contract is then sent to you for your records. If you would like to review this information with our of our representatives, please contact us at your earliest convenience. We can be reached at ************** or email us at ****************************************** Thank you and we hope you have a great day.

I was approved for 1200$. In September of 2023. It's **** of 2024. I pay 100.00$ bi weekly. It should only take just over six months to pay off. It's going on ten months now. They are ripping people off, and this needs to be addressed to a proper lawyer. This is robbery pure and simple.

Hello. Thank you for letting us know about the concerns you have regarding your agreement. It seems there may be some confusion regarding the terms of your agreement. We would be happy to discuss this information. Please contact us directly at ************** and a representative would be happy to review this information with you. Additionally, you can find a copy of your agreement that outlines all the terms under the Truth-in-Lending-Disclosure on our website. Thank you and have a nice day.

HIGHLY PREDATORY. DO NOT USE THIS COMPANY YOU WILL REGRET IT!!! WISH I COULD GIVE A 0 STAR. Much like everyone else experience here, I was in a difficult situation I just finished school and just started a new job and my car broke. I needed $3000+ in repairs it was not drivable without that work. I put $1400 down and was left with having to apply for a loan for the rest. I tried at my local banks but due to just finishing school and having a bit of debt from that journey, I was denied. The shop I had my car at told me they do financing through EasyPay Finance. I was shockingly approved for the remaining amount I was told it was a 149% APR on the account. I had 4 months with 0% interest before that INSANE interest rate kicked in... but I had no choice. I could not get to work without a car, I live in a rural area my job is 1 hour away and my job requires me to have a car (I am a social worker). I was contracted to pay $****** every 2 weeks for 52 payments. Do that math and you'll see the problem. 52 payments of ****** is $6288.36!!! For a $2000 loan! I made every payment on time and paid $240 a month.... of that on average less than $25 of that went to my principal. So 1 year later I still had a balance of $1648.83 left!!! I was very fortunate to receive a bonus at work which ALL of IMMEDIATELY was put into paying this loan off completely in full. (I will be continuing to monitor my credit reports to ensure accurate reporting to all 3 Credit Bureaus.) This type of predatory loan should be ILLEGAL. Also in the 1 year I had this loan, there have only been 4 monthly statements posted in my account. 6/23, 7/23, 7/23 (agian?) and 5/24. Also fishy that they don't provide you with regular access to statements and the payment breakdowns. This is probably so you cant see how little is going to principle vs interest. If they keep you in the dark they can keep you down! STAY SAFE PEOPLE!!!

Hello. Thank you for reaching out and providing your feedback based on your experience. EasyPay strives to provide all customers with the best customer experience and offer ******************** assistance in your time of need. We do strive to provide full disclosure before the agreement is signed and also provide every customer with a ***************************** Charge Cap Promotion. Unfortunately, you are unhappy since we would like to ensure all customers are satisfied with the help we have provided. You can see your full transaction history which includes a breakdown for every single payment on our website under activity. If you would like us to print the information and mail it to you, we would be more than happy to as well. If you have any additional feedback to provide, please feel free to call us at ************** or email us at ******************************************* Thank you and we hope you have a great day.