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.
ID
#1590355 Review #1590355 is a subjective opinion of poster.

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.

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.
ID
#1585190 Review #1585190 is a subjective opinion of poster.
Reason of review
Wasn’t able to escalate my issues/process with speaking with

I was told everybody left for today

American Web Loan's reply to:

Overpriced, Loan sharking, Liars

Thank you for your recent feedback. We greatly appreciate you reaching out to us with your concerns. We are glad that we could come to an agreement for your concerns. If you have any additional questions or concerns, please contact us at 877-860-7171.
ID
#1575543 Review #1575543 is a subjective opinion of poster.
Cons
  • Worst lender ever
Reason of review
Bad quality
Loss
$176
Preferred solution
Full refund

I recently took out a loan for $400 because I have fallen on hard times. When I read the application, I was told I’ll be 6 payments of $58.76 to pay it off.

When I downloaded the app and looked at the agreement, it stated that I had a 580% interest rate and I would be paying back well over $1500 for a $400 loan which is ridiculous. Don’t get a loan from them, they are scammers.

American Web Loan's reply to:

Rip off company

Thank you for notifying us of your concerns. One our agents reached out to you, and we were able to come to a resolution. Thank you for your time and consideration.
ID
#1555366 Review #1555366 is a subjective opinion of poster.

They lie to you about your payments being twice a month and don’t try and fix it for you. They charge you 600 percent interest which is a rip off. My $700 dollar loan they are charging me 450 a month for 9 months ridiculous and the way they did it was very sneaky not to mention illegal to charge that much interest!!!

American Web Loan's reply to:

Paying off American Web Loan

We would like to speak with you regarding your account to provide you with more information on our processes. The experience you referenced is not one of our processes. Please contact us at 877-860-7171.
ID
#1544676 Review #1544676 is a subjective opinion of poster.

I am wanting to pay off a loan completely but the only way they will let me pay it off is to give them my bank account information or use a Green Dot card. I am willing to send a money order to an address but they refuse to allow this option.

I am not sending my bank account to them because I don't trust they won't then take more money out of my account instead of letting me pay it off.

I have gone round and round with them to no avail. I now believe it might be easier dealing with a collection agency.

They want to run up the interest while I just want to pay the loan in full.

American Web Loan's reply to:

Run the other way

Thank you for your recent feedback. We appreciate you voicing your concerns and would like to help to resolve them. One of our team members 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.
ID
#1541222 Review #1541222 is a subjective opinion of poster.
Reason of review
Poor customer service

took a loan out for my pet surgery, first couple of payment fine then they started posting to my bank 3 days early which earn me a 36.00 dollar overdraft, call them they told me i made the mistake lol, so now when it post to my bank acct early my bank returns it , i have talk to 4 people there they say it's recorded line fine i have been recording them also they have lied and said this will be corrected ha ha it has not so i have brought my recording to my states attny. general office and will be waiting for them to not let them do bussiness in Minnesota

American Web Loan's reply to:

Blood Sucking Thieves

Thank you for your recent feedback. We greatly appreciate you reaching out to us with your concerns. We are glad that we could come to an agreement for your concerns. If you have any additional questions or concerns, please contact us at 877-860-7171.
ID
#1528874 Review #1528874 is a subjective opinion of poster.

AWL is a terrible option for people in need, instead of helping, they just cause more harm !!! I was aware of the terrible loan i was getting into and i cant balme them for that part, i needed cash and agreed to the aweful interest rate they offered, knowing i was going to pay it back early.

This is where i had issues with this company !!! They push you to download their app and use it to make extra payments, then when you try to, it never works. It tells you that you are to close to your regularly scheduled payment date. I waited till my regularly scheduled payment of $94 dollars was taken from my bank account on Friday May 3rd, 2019, then tried several times that day to make the payoff of $803 dollars, with no success.

Again on Saturday, i went on the app to try again, the payoff was now $816 & i received the same message not allowing me to make the payoff, to close to my scheduled payment date. So then i tried their website, it also wouldnt allow me to make the payoff of $816, no reason given, it just wouldnt accept it. Finally i was able to schedule an $800 payment on the website, but it made me use the date of Tuesday, 5/7/19 which increased the payoff ammount yet again. So i was finally able to contact AWL by phone today and i attempted to settle my account for the payoff ammount of the $803 that it was when i originally tried the entire day to make the payoff and was rudely told i couldnt and that the amount went up once again to $868.

So basically i am expected/forced to pay an additional $65 dollars for their faulty app and website or the loan wont be closed and will continue to accrue interest. All told, in 4 weeks i made four $94 dollar payments on a $800 dollar loan and i still owe $868 now......stay away from these Blood Sucking Thieves !!!!

American Web Loan's reply to:

Refund

Thank you for your recent feedback. We greatly appreciate you reaching out to us with your concerns. We are glad that we could come to an agreement for your concerns. If you have any additional questions or concerns, please contact us at 877-860-7171.
ID
#1523902 Review #1523902 is a subjective opinion of poster.
Reason of review
Problem with delivery
Loss
$159
Preferred solution
Full refund

I paid my loan off in Feb.2019 and there was another payment of $159.08 taken from my account. I've have talked to several people and tried to get this resolved. I am sending my bank info in hopes of resolving this issue.

Statement Date: Enclosures: Account No.: Page: 300******( 1)(1)04/15/2019 1

CHOICE CHECKING SUMMARY Type : Status : **TRNC Active Category Number Amount Balance Forward From 03/15/19 27.61 Debits 1 650.00 Automatic Withdrawals 1 159.08 Automatic Deposits 1 1,111.52+ Card Activity 13 325.51 Ending Balance On 04/15/19 4.54 Average Balance (Ledger) 69.39+

Direct Inquiries About Electronic Entries To: Phone: (270) 982 - ****

ALL CREDIT ACTIVITY

Date Description Amount 03/25/19 ANTELOPE FLATS, PAYROLL 1,111.52

ELECTRONIC DEBITS Date Description Amount 03/18/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/18/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/19/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/19/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/19/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 9.99 03/25/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/26/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 03/26/19 AWL877860**** DEBIT 159.08 03/27/19 VSA PUR GOOGLE BUFFALOSTUDIOS G.CO HELPPAY CA 2.99 03/28/19 PUR WAL-MART 0709 ELIZABETHTOWN KY 84.48 03/28/19 VSA PUR COXS SMOKERS OUTLET - MOUNT WASHING KY 53.11 03/29/19 VSA PMT DB TWC TIMEWARNERCABLE 513-469-**** OH 129.75 04/01/19 PUR GOOGLE BUFFALOSTUDIOS MOUNTAIN VIEW CA 2.99 04/01/19 VSA PUR CHICK-FIL-A 02500 LOUISVILLE KY 24.26

Continued 04/3007/1

Statement Date: Enclosures: Account No.: Page: 300******( 1)(1)04/15/2019 2

CHECKS AND OTHER DEBITS * indicates a gap in the check numbers Date Check # Amount Date Check # Amount Date Check # Amount 03/26/19 650.00

DAILY BALANCE SUMMARY Beginning Ledger Balance on 03/15/19 was 27.61 Date Balance Date Balance Date Balance 03/18/19 21.63 03/19/19 5.66 03/25/19 1,114.19 03/26/19 302.12 03/27/19 299.13 03/28/19 161.54 03/29/19 31.79 04/01/19 4.54

COLLECTED BALANCE SUMMARY Beginning Ledger Balance on 03/15/19 was 27.61 Date Balance Date Balance Date Balance 03/18/19 21.63 03/19/19 5.66 03/25/19 1,114.19 03/26/19 302.12 03/27/19 299.13 03/28/19 161.54 03/29/19 31.79 04/01/19 4.54

OVERDRAFT FEE SUMMARY Total For This Period Total Year-To-Date Total Overdraft Fees $0.00 $0.00 Total Returned Item Fees $0.00 $160.00

This Statement Cycle Reflects 31 Days

American Web Loan's reply to:

Unauthorized loan 2-14-2019

We recently had contact with you and are currently working towards a resolution for your concerns. Please contact us at 877-860-7171. Thank you.
ID
#1516022 Review #1516022 is a subjective opinion of poster.

Three hundred dollars was deposited by wire transfer into an inactive checking account. I did not apply for a loan.

Called my bank. There directed me to AWL for resolution.

Called twice. No reply

American Web Loan's reply to:

RIp OFF Rip Off Rip Off

Thank you for your recent feedback. We greatly appreciate you reaching out to us with your concerns. We are glad that we could come to an agreement for your concerns. If you have any additional questions or concerns, please contact us at feedback@americanwebloan.com or call us at 877-860-7171.
ID
#1512527 Review #1512527 is a subjective opinion of poster.
Reason of review
The interest is Enormous. RIP off for consumers
Loss
$600
Preferred solution
Let the company propose a solution

I cannot believe I fell for this scam. You take advantage of people in every horrible way.

Borrowed $600 paying back over $1500.......I have already paid back $1079.00 with 5 more payments. I am so embarrassed that I didn't read the fin print. This should be out lawed. My husband has lost his job and this makes me want to cry.

I am paying $134.95 every other week. I am so upset.

I understand that I would pay more interest but really? This is like a legalized loan shark.

C Johnson

American Web Loan's reply to:

Loan Sharks are better

We are in receipt of your recent complaint. Our records indicate we have reached a mutual agreement. If you have any additional questions or concerns, please contact us at feedback@americanwebloan.com or call us at 877-860-7171.
ID
#1490345 Review #1490345 is a subjective opinion of poster.
Pros
  • Process quickly
  • Easy and quick to get my money
Cons
  • Terms
  • Worst lender ever
Reason of review
loan sharking
Loss
$2000
Preferred solution
recalculation of finance charges and a refund for overpayment
American Web Loan - Loan Sharks are better

I recently took a 2000.00 loan knowing I would repay quickly. I saws the interest rate was excessively high but was in a tough spot.

After 7 payments I paid in full ~1862.00 (on a 1670.68 balance) which meant that of the 7 payments I made very little went to principle. In fact two of the payments were recorded as interest only. I expected an adjustment when paying in full that would change the interest rate and give me a refund of overpayment.

There was none though the contract says there could be if paying off early. paying off with 11 payments left...

Really appreciate it

Natalie understood what I needed quickly and moved me through the process seamlessly. She communicated well and was able to hand me off to Jonathan to complete my account changes quickly. Really appreciate it. - J. Millan
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Testimonial

American Web Loan is a paying client of Opinion Corp and utilizes its services to proactively identify and correct customer service issues.

ID
#1484764 Review #1484764 is a subjective opinion of poster.
Reason of review
Good customer service

She was KNOWLEDGABLE, and the process was SEAMLESS

Natalie was excellent. This was the second time I spoke with her. Her attitude was INSPIRING, she had COMMITMENT to SERVICE, She was KNOWLEDGABLE, and the process was SEAMLESS and EFFECTIVE. Having been a QA MANAGER for many years, NATALIE was EXCELLLENT!!! Natalie took the time to thank me for being a returning customer, she remembered speaking with me and took the time to speak with leadership about my issue. Also, she provided detail on why she had to receive approval. - G. Ramey
View full review
Testimonial

American Web Loan is a paying client of Opinion Corp and utilizes its services to proactively identify and correct customer service issues.

ID
#1484767 Review #1484767 is a subjective opinion of poster.
Reason of review
Good customer service

This was very relaxing for me

Customer service was very polite and wanted to make sure that I understood the contract of the loan. I was on the chat line as I was applying for the loan and this was very relaxing for me. Having an immediate phone call after completion of application gave me confidence that this company was legit. Thank you so much! - M. Harris
View full review
Testimonial

American Web Loan is a paying client of Opinion Corp and utilizes its services to proactively identify and correct customer service issues.

ID
#1484763 Review #1484763 is a subjective opinion of poster.
Reason of review
Good customer service
American Web Loan's reply to:

DONT DO IT

We are in receipt of your recent complaint. Our records indicate we have reached a mutual agreement. If you have any additional questions or concerns, please contact us at feedback@americanwebloan.com or call us at 877-860-7171.
ID
#1478657 Review #1478657 is a subjective opinion of poster.

probably the the worst loan company I have ever interacted with . Do not get a loan from them .

Way too over priced. Not only that when I was going to pay the full amount of the loan, scheduled the full payment on the 21 then came with the excuse that they couldn’t take the funds out of my account when I had the money on my checking account the whole time waiting to be taking out . Just for them to charge me even more .

Now scheduled a day again for them to take the money so I swear if they pull the same *** again ,There’s going to be more serious kinds of issues . All of them are idiots and want to just take peoples money .