Reviews

Review Details

• Review fromTonnika W

  Date: 03/18/2025

  1 star

  Tonnika W

  Date: 03/18/2025

  I was denied for a loan because the system could not detect my direct deposits. I used the same checking's account where I receive my direct deposits. Does not make any freaking sense.

  Tunica-Biloxi Tribe of Louisiana - DBA: Mobiloans

  Date: 03/19/2025

  Review ID: 16386 We appreciate the opportunity to respond to this review. This applicant was declined for no evidence of payroll deposits. Her direct deposits were not identified by her bank as payroll deposits. However, this was only one of the reasons for her decline. If she has questions regarding her decline reasons, please have her submit her request to MobiLoans, LLC at P.O. Box 1409 Marksville, LA 71351.

• Review fromTracey F

  Date: 07/05/2024

  1 star
  Couldn't choose no stars so the lowest is 1. I have been receiving pre-approval loan solicitations from this company in the mail for years. I have an account with them already but have never taken a loan. The one and only time I was seriously considering it I could not update any of my personal information or bank information through my account. They direct you to call their support number. I have tried for 5 days straight and no one ever picks up the phone. One time was actually well over an hour waiting - I just multi tasked around my house while it rang and rang and rang to see if anyone would ever pick up. They say they are wholly owned and operated by a tribal nation and tribal lenders have claimed sovereign immunity from state or federal lending law - and that is why they charge unbelievable APR. They should be charged with usury. At best they are no different than loan sharks from back in the day. I am glad they did not pick up - dodged a bullet this time thank goodness.

• Review fromGEORGETTE W

  Date: 01/21/2024

  2 stars

  GEORGETTE W

  Date: 01/21/2024

  They charge too much interest for a small loan. Unbelievable. Need them to fix my payments and interest rate and the 12-month document. I need some help, to lower payment so it can be affordable. * ** ** ***

  Tunica-Biloxi Tribe of Louisiana - DBA: Mobiloans

  Date: 01/23/2024

  We appreciate the opportunity to respond to this review. We have also reached out to the consumer on this matter. When an application for a line of credit is made on the internet and not through personal interaction, we have to rely that customers have thoroughly researched our product, have read and understood all of the costs and terms associated with the line of credit we offer, and made the decision that Mobiloans is the best option to meet their needs. We have provided in great detail the processes and fees associated with the Mobiloans line of credit on our website www.mobiloans.com. This information was available for review prior to submitting an application and accepting the first cash draw. Under the “Terms & Conditions” tab, consumers are advised that the account is a Line of Credit and while we do not charge interest, there is a Fixed Finance Charge incurred each billing cycle there is an unpaid balance. There is also a Cash Advance Fee for each cash draw. Mobiloans’ product is an open-end line of credit that allows a customer to access credit, pay down, and borrow again. Customers that continually make draws of available credit will not see a decrease in their outstanding balance or payments. We hope that this response has been helpful. If you have any additional questions or concerns, please contact our Customer Support Team at the phone or email address provided in our letter to you.

• Review fromAnMarie R

  Date: 05/14/2023

  1 star

  AnMarie R

  Date: 05/14/2023

  I did a loan with them and I promise you it was the biggest mistake ever. I called first time around and it went ok. I called 2nd time around and they were asking for my full ssn, phone number, address, and my full bank and routing number. This did not happen on the first phone call. I told them I don’t feel comfortable giving them my full bank/routing number and they said oh it’s a new policy that we have to do to verify it’s you. I told them oh ok so how do I know you’re not a fraud or scammer that’s trying to verify me but possibly try to steal my money out of the bank? They couldn’t give me an answer. Nobody ever has even asked for bank or routing number over the phone so I stopped making payment to them because of the way how they made me feel and did not keep my information safe at all so I hope no one else tries to borrow money from them. They lied to me about the apr and how much they’ll take out a month and their customer support company sucks really bad.

  Tunica-Biloxi Tribe of Louisiana - DBA: Mobiloans

  Date: 05/16/2023

  We appreciate the opportunity to respond to this review. We have also reached out to the customer on this matter. Keeping our customer’s financial and personal information secure and confidential is one of our most important responsibilities, and we take that responsibility very seriously. To protect our customer’s personal information from unauthorized access and use, we use security measures that comply with federal law. During our customer identification process, we ask for information that the customer has previously provided. We don’t always ask for the same information. When this customer called in to our Customer Support number, she knew she called Mobiloans and she also knew we already had the information that was asked of her. By not verifying the information requested, we could not validate her identity or acknowledge an account. This is to protect customer accounts from unauthorized access by someone calling in pretending to be the customer.

• Review fromPhoebe A

  Date: 09/06/2022

  1 star

  Phoebe A

  Date: 09/06/2022

  This company is very mixed up or a fraud to harm people. They kept mailing me Pre-approval letters in the mail for emergency loan. Month after month. I finally agreed to accept and they declined me. No real reason they said they said they could not verify me. I tried to call and no answering service or call center was available. Did they do this to harm my credit rating by declining after they marketed Pre-approval not Preselected pending approval ? Beware credit harmers. I would not of applied if I was not a pre-approval due to how hard it was to rebuild credit after covid. A mean harmful loan company.

  Tunica-Biloxi Tribe of Louisiana - DBA: Mobiloans

  Date: 09/07/2022

  We appreciate the opportunity to respond to this review. We have also reached out to the consumer on this matter.
  
  A pre-screened offer of credit is based on information in an applicant's credit report indicating that they meet certain requirements. If they do not continue to meet the criteria used in the prescreened offer, the offer is not guaranteed. If the applicant does not want to continue to receive prescreened offers of credit from Mobiloans, he/she can call the consumer reporting agencies toll-free at 1-888-5OPT-OUT (1-888-567-8688) for TransUnion, and 1-866-390-3118 for Clarity Services, Inc. or visit the website at www. optoutprescreen.com; or write: TransUnion Opt-Out Request, P.O. Box 505, Woodlyn, PA 19094-0505 and Clarity Services, Inc., a part of Experian, Consumer Support Division, P.O. Box 16, Allen, TX 75013.
  
  Mobiloans does have a Customer Support Team that can be reached at 877-836-1518 or if call lines are busy, they can be reached at [email protected].
  

  Phoebe A

  Date: 09/08/2022

  I did receive the comment from the business and responded to them directly. It was pre approval not prescreening. It was clearly stated in writing or I would not of applied to have my credit report pulled. My credit actually improved from when the letter waa sent and the pre approval included an amount and timeframe to accept the offer. I applied for much less and well in the approved timeframe. I would not have applied if I understood they could deny. Other businesses always honor pre approval as an industry standard for credit. That term means something to the customer. This business forgets I am the customer. They inflicted credit harm and did not honor what they advertised.

  Tunica-Biloxi Tribe of Louisiana - DBA: Mobiloans

  Date: 09/08/2022

  Mobiloans strives to provide excellent customer service. We apologize that our previous response did not provide the clarity needed. A pre-screened offer is a pre-approval. As stated previously, applicants must continue to meet the criteria used when they were selected for the offer of credit. Our marketing material clearly states that the pre-approval offer is not guaranteed if this requirement is not met. Please refer to page 2 of our pre-screened offer letter. To determine if applicants still meet the initial criteria, their current credit report is pulled for evaluation. Applicants provide consent to pull their credit when they submit their application and agree to Mobiloans Terms and Conditions Agreement. This information is available to the applicants prior to submitting their application. We also provide a phone number and email address in our offer letters for any questions an applicant may have prior to applying. We hope this has answered your concerns.