Testimonial
Yanina D
dots
#1799907 
Report Review

Professionalism & understanding

The representative was professional & kind. I felt like she was empathetic to my situation & genuinely helped me. I was so relieved when I got off of the phone because of her professionalism & understanding – Sabrina W.
View full review
Helpful
Testimonial
Yanina D
dots
#1799906 
Report Review

Patient

Customer service is always exceptional, friendly and patient. – Katherine C.
View full review
Helpful
Testimonial
Yanina D
dots
#1799905 
Report Review

we are extremely grateful

Therron is awesome! He was so friendly, and helpful. He accommodated us in every way possible, and we are extremely grateful – Rebecca T.
View full review
Helpful

American Web Loan's reply to: Loan rates and disclosure fraud

Thank you for your feedback. The terms of each loan issued by American Web Loan are in writing and contained in the customer’s loan agreement. Each loan agreement clearly outlines in the Truth in Lending Disclosure the principal loan amount, the amount of the finance charge, total amount of payments, as well as the customer’s payment schedule. The loan agreement in its entirety is presented to the customer for his or her review prior to acceptance. Further, each customer is required to affirmatively accept the loan terms under the Federal Esign Act before the loan will fund. We would like to speak with you regarding your account to provide you with more information on our processes. Please contact us at 877-860-7171.
author's review
Nadine P Ofk
dots
#1678382 
Report Review

Loan rates and disclosure fraud

I applied for a loan with this company received instant approval. Money went into my account I tried to open the truth in lending statement the same night was not able to open the doc.

It was not until later the next day my account reflect the info. Of course the money was already in my account and covered an overdraft. Now the payment is 346 biweekly.

That’s more than half the loan per month. This has got to be illegal.

Loss:
$3000
Cons:
  • Do your research
  • Poor service
  • Taken advantage of
Reason of review:
High interest and bad practice

Preferred solution: Price reduction

Helpful
Testimonial
Yanina D
dots
#1799904 
Report Review

Thank you for helping me

I was able to call and set a payoff arrangement and the payoff was set up quickly and efficiently to help me payoff my loan quickly. I like that, if we want to pay off the balance right away we should continue to be allowed. The scheduled payoff was quick and effective. Thank you for helping me in my crucial emergency needs with this valuable loan. – Ericka F.
View full review
Helpful
Testimonial
Yanina D
dots
#1799903 
Report Review

I love AWL

The representative was very quick and polite. She was able to help me with my situation. I love AWL. Thank you – Joyce K.
View full review
Helpful

American Web Loan's reply to: Another Firewall

American Web Loan understands the prevalence of identity theft and has measures in place to verify the validity of the application by requiring personal identifying information that should only be known by the applicant. In the rare instances where a fraudulent application passes the security measures in place, American Web Loan works directly with victims of identify theft and law enforcement to gain closure in these cases. Additionally, American Web Loan will flag these individual’s information in our internal system to prevent their information from being used in the future.
author's review
Michael M Hmv
dots
#1669698 
Report Review

Another Firewall

I believe your company/organization requires another level of protection from people who commit fraud. There should be another 'firewall' to guarantee the consumer/AWL a better experience and not waste money.

I've never request money from this company...however they keep allowing someone to complete loans and etc without proper confirmation and/or information.

I do not want your money/loans. Thanks but not thanks!

Be more careful.

Reason of review:
Return, Exchange or Cancellation Policy

Preferred solution: REMOVE ME FROM ALL OF YOUR DATABASE. FLAG MY SS# AND ALWAYS CALL BEFORE LENDING..LIKE A REAL BANK. IT'S WORTH A CHECK..

Helpful

American Web Loan's reply to: TRYING TO CHANGE MY PAY FREQUENCY

Thank you for your recent feedback. We appreciate you voicing your concerns and would like to help to resolve them. One of our agents attempted to contact you. However, we were not able to reach you. Please contact our offices at your earliest convenience so that we may discuss some options and come up with a resolution. We can be reached at 877-860-7171.
author's review
Menen M
dots
#1656842 
Report Review

TRYING TO CHANGE MY PAY FREQUENCY

I was granted the loan but did not realize that they had assigned their own pay frequency. This was a VERY EASY process with another company that I used so I took this in stride and called them to change it.

After multiple calls, emails and the run around I still can't change my payback frequency to match my direct deposit. Honestly, I will never use this company again.

Loss:
$34
Reason of review:
Poor customer service

Preferred solution: JUST CHANGE MY PAYMENT FREQUENCY TO MATCH MY DIRECT DEPOSIT.

Helpful

American Web Loan's reply to: Apr is ridiculous they should be shut down

American Web Loan is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a federally-recognized Indian tribe. American Web Loan is licensed and regulated by the Otoe-Missouria Consumer Finance Regulatory Commission, which regulates all consumer financial services conducted from tribal land of the Otoe-Missouria Tribe of Indians.

The total cost differs for every loan. Our finance charge is based on an applicant’s creditworthiness, our proprietary scoring method, the amount an applicant chose to borrow and the length of time the applicant chose to keep your loan outstanding. The finance charge and APR are fully disclosed in writing in an applicant’s loan agreement and presented to the applicant for review and acceptance by electronic signature prior to the loan funding
author's review
Demarco B Dha
dots
#1656301 
Report Review

Apr is ridiculous they should be shut down

700% apr is ridiculous these people should be shutdown

Reason of review:
Bad quality

Preferred solution: lower apr to 40%

1

American Web Loan's reply to: I paid of my loan and applied for another loan

American Web Loan is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a federally-recognized Indian tribe. American Web Loan is licensed and regulated by the Otoe-Missouria Consumer Finance Regulatory Commission, which regulates all consumer financial services conducted from tribal land of the Otoe-Missouria Tribe of Indians.

American Web Loan does submit pre-approval offers of its loan products to individuals who may be interested and preliminarily qualified for a loan based upon certain information available to American Web Loan at the time of the pre-approval offer. However, all pre-approved offers are subject to additional verification. Unfortunately, Applications that do not pass all additional requirements are not approved for credit, even if the applicant had received a pre-approval offer.
author's review
ROBIN S Oab
dots
#1653436 
Report Review

I paid of my loan and applied for another loan

I paid off my loan in full, even made extra payments to pay it off quicker. NEVER missed a payment.

Shortly after paying it off, i reapplied for another loan. They denied me because i was behind on another account which i was working with the people to get caught up.

To add insult to injury, i got an email asking me to come back after the denied me another loan. NEVER EVER will i give them a chance at my money and i have told my friends to pay their loans off early and give their business to another well deserving company.

Pros:
  • Easy to make payments
  • Process quickly
  • Free money
Cons:
  • Refusal to communicate via e-mail
Helpful

American Web Loan's reply to: Thieves that operate illegally

American Web Loan is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a federally-recognized Indian tribe. American Web Loan is licensed and regulated by the Otoe-Missouria Consumer Finance Regulatory Commission, which regulates all consumer financial services conducted from tribal land of the Otoe-Missouria Tribe of Indians.

The total cost differs for every loan. Our finance charge is based on an applicant’s creditworthiness, our proprietary scoring method, the amount an applicant chose to borrow and the length of time the applicant chose to keep your loan outstanding. The finance charge and APR are be fully disclosed in an applicant’s loan agreement and presented to the applicant for review and acceptance prior to the loan funding.
author's review
stacy b Lub
dots
#1640371 
Report Review

Thieves that operate illegally

I took out a $1000 loan in April 2019, before I accepted the loan I chose a nine month term to pay it off. It displayed an installment amount of $195.08 which I knew I could handle for nine months and then be done.

It wasn't until after my loan was approved and they sent me my loan documents (which had not been made available BEFORE I accepted, I now saw they planned to withdraw $195.08 every two weeks from me, not once a month like they spelled out during the finalization process. I immediately asked for this to be changed or my loan term extended within only a day of having the loan and reminded them they had not been transparent with my loan documents, and was basically told tough cookies they're taking what they want to take out of me. The payments have literally put me on the brink of eviction from my apartment and repossession on my car because they're taking $400 a month from me with no end in sight. I did extensive research and found out that although this type of loan is allowed in my state of New Hampshire, interested is capped at 36% I let them know this twice and requested to settle, that I would pay for the principal and 36% interest only, nothing more, and certainly not 20 payments of $195.08 on a $1000 loan.

Both times I reached out I have been ignored. Granted both times I reached out were through their email (that promises to be responded to within 48 hours but never does) because I was advised to have a paper trail to use if I need to escalate to my attourney general and the banking commission.

Do yourself a favor and run from this company, if you get their flyers in the mail, burn them. I don't care how tough of a spot you are in, never go to this company for a loan!

Pros:
  • Money came quick
Cons:
  • Poor customer service
  • Process not explained clearly
Reason of review:
Problems with payment

Preferred solution: Price reduction

2

American Web Loan's reply to: Withdrawal more than agreed upon

American Web Loan is in receipt of the review filed by Albert Crawford regarding payments.
Upon receipt of the review, American Web Loan completed a thorough review of the account. The records reflect that there was an isolated instance where a second payment drafted in conjunction with Mr. Crawford’s regularly scheduled payment. The lending system was set to automatically refund the second payment; however, Mr. Crawford notified us that the refund was not received. The records reflect that the refund was successfully processed on August 3, 2019.
American Web Loan apologizes for any inconvenience Mr. Crawford may have experienced.
author's review
Albert Erl
dots
#1607397 
Report Review

Withdrawal more than agreed upon

On July 26 2019 AWL withdrew 2 monthly amount of 481.36 I contacted AWL about the withdrawal. Everyone I talked too was very apologetic and stated we will take care of this on the 27 July it is now the 31st and they are still taking care of it. I now have to pay late fees on my account

Albert Crawford

Loss:
$35
Reason of review:
Poor customer service

Preferred solution: 481.36 refund

1

American Web Loan's reply to: The worst experience ever

The customer had raised her questions regarding her eligibility for a partial refund of her disclosed finance charge after she paid her loan in full early. American Web Loan had communicated with her in writing on 8/7/19 and explained why she was not entitled to the requested refund due to the fact that the entire finance charge had not been assessed at origination of the loan. Instead, she was only assessed the daily interest amount on her principal balance for the time that her loan was in repayment.
author's review
Danielle N Bky
dots
#1604861 
Report Review

The worst experience ever

American Web Loan - The worst experience ever
Updated by user Aug 28, 2019

Just to give an update on this. I called American Web Loan again after writing this review and sent 2 more additional emails.

The last person I spoke said she would escalate my complaint to their resolution department and have someone contact me back. Well that never happened. No one from AWL ever contacted me back. Instead i received a letter in the mail from AWL and their response was the same response that the representatives i spoke to kept telling me.

The letter never talked about my actual complaint which was about the "prepayment" statement in my loan agreement. All it said was again, that I am not entitled to a refund. And that by me paying the loan off early I dont have to pay an prepayment penalties or the remaining interest/finance charge, which i already knew and understood. My complaint was about the specific statement that says i may be entitled to a REFUND of part of my FINANCE CHARGE if I pay the loan early.

Which again, i paid my loan early and paid 1300 in finance charges... so again why am I not entitled to receive a partial refund of my finance charge??? They even included my loan agreement with this letter they sent me which again has this statement in black and white. When I emailed them I even lowered my refund request down to around $500.

I never recieved any email response from them other than them telling me to contact them and when I did contact them their so called resolution person who I spoke to the first time never called me back like she said she would, and after I called and spoke to another person who said I would receive a phone call back I didn't that time either. Ignoring my complaint about a statement in a loan agreement that is clear as day is not even close to customer service. And responding to me by sending a letter that again doesn't tell me or explain why i cant get a partial refund based on that statement in their loan agreement isn't a resolution either.

In my opinion the only reason why they are ignoring me and choosing not to acknowledge their "prepayment" statement in their loan agreement is because they know I'm right. They know that I could be entitled to a partial refund of my finance charge for paying my loan early and they are so greedy that instead of abiding by their contract and giving me a partial refund they would much rather just ignore it all together.

Original review Jul 29, 2019

I took out a loan with AWL in April and paid it off in July. It was a for $1500 payments of around $400 per month 12 month term and I paid it off 8 months early and after I paid it off I paid AWL a total of around $2800.

There is a statement in my loan agreement that says "prepayment: if you pay the loan early you will not be subject to a penalty and you may be entitled to a refund of part of the finance charge." I paid my loan 8 months early and my finance charge was over $3600. I contacted AWL and spoke to multiple people who said I can't get a refund. When I asked why they said because i only get a refund if I overpay. I explained that the statement in the loan agreement doesnt say that and they all asked me where in my loan agreement am i seeing that statement.

I had to explain to the representatives where to find a statement in their own loan agreement paperwork!? I filed a complaint with the BBB and i spoke to a resolution specialist with AWL who told me the same thing and again asked where I was reading that statement. She told me she would look into it for me and call me back. That was a week ago....

and not only that but AWL responded to my BBB complaint by saying they never got a hold of me. I spoke to them on 7/22 and the next day is when i received their response to my BBB complaint about never speaking to me. I did put in my BBB that i spoke to the representative and the time I spoke to her as well and AWL never responded after that and the representative still hasnt called me back. I emailed AWL customer service and still nothing.

I have been doing a lot of research and based on what I found it says AWL is illegal in PA which is where I live and I have been told that I actually didn't even have to pay as much as I did because they arent legal in PA. My interest rate was over 300% and based on that statement in my loan agreement i am requesting a refund of only $800. The $800 is the difference between what I paid to AWL and my finance charge. I'm not asking for all of the interest that i paid to AWL, just a refund of part of what I paid based on the statement in my loan agreement, and also there is nothing in my loan agreement that disqualifies me from a receiving a refund of part of my finance charge.

I am upset that AWL hasnt called me back, and that they lied by saying they never got a hold of me, and that everytime i talk to them they tell me that what I'm reading doesn't mean what it says.

They all keep telling me its just that I dont have to pay the remaining finance charge or that i dont get a refund because i didn't overpay. That statement specifically states prepayment and uses the words pay early and refund of part of the finance charge which is all I am asking for.

Loss:
$1376
Pros:
  • Easy and quick to get my money
Cons:
  • Taken advantage of
  • Refusal to communicate via e-mail
  • Too many complaints with bbb
Reason of review:
Terms in loan agreement not being followed and customer service

Preferred solution: Partial refund of 800

Helpful

American Web Loan's reply to: Thank you to the previous reviewers

American Web Loan (AWL) has been America's trusted online lender since 2010. We offer $300-$2,500 installment loans.

American Web Loan is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a federally-recognized Indian tribe. American Web Loan is licensed and regulated by the Otoe-Missouria Consumer Finance Regulatory Commission, which regulates all consumer financial services conducted from tribal land of the Otoe-Missouria Tribe of Indians.

The total cost differs for every loan. Our finance charge is based on an applicant’s creditworthiness, our proprietary scoring method, the amount an applicant chose to borrow and the length of time the applicant chose to keep your loan outstanding. The finance charge and APR are be fully disclosed in an applicant’s loan agreement and presented to the applicant for review and acceptance prior to the loan funding.
author's review
Simone Pbe
map-marker Colorado Springs, Colorado
dots
#1590355 
Report Review

Thank you to the previous reviewers

You absolutely saved me from A LOT of stress. I keep receiving offers to take out a loan and at one point considered it but wanted to do research.

Reading the reviews lets me know this isn't a good fit for me.

Sounds like loan sharks!!! Thank God for reviews.

Helpful

American Web Loan's reply to: I was told everybody left for today for escalating my call

We would like to thank you for your interest in American Web Loan. For more information, please contact us at 1-877-860-7171 or you can visit our website at https://www.americanwebloan.com.
author's review
Keshaun Mdn
map-marker West Palm Beach, Florida
dots
#1585190 
Report Review

I was told everybody left for today for escalating my call

I was told everybody left for today

Reason of review:
Wasn’t able to escalate my issues/process with speaking with
Helpful