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October 2023 by Reno Sorenson
I would love to improve the review but I've applied and no one will email, Text, or call me back about my application I put in last week I would love if someone would answer or help me outEdit: I didn't mean no disrespect at all I just didn't know what to do because for some reason I still don't have an email from you guys and haven't been able to reach you by phone could you give me a call please so we can figure this out thanks so much.
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March 2023 by Natalie Bowman
My $300 loan was done via email, no electronic forms were ever completed. I paid them 4x as much as the original loan but was never provided any agreements showing APR, payment schedule and never signed anything either. They tried taking additional differing amounts from my bank fraudulently in differing values. They THREATENED and HARASSED me multiple times months after this was paid saying I owed $3000, then ~$2800, now they send me to Credit Services of Logan for ~$1,300. I don't even know where they come up with this stuff. How can a company illegally steal your information, fill out new loans documents electronically without funding you anything additional and get by with this? Don't give them your personal information or borrow from them because they'll charge you whatever they want whenever they want. Guess it's ok for a business to be unethical and only the customer is punished. Patiently waiting for their response I'm certain will come.
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February 2023 by Natalie B.
Like the other review said, "Chad, the owner, is like dealing with a trustfund born irrational-prince. I have never been so taken back by the unfiltered, unprofessional, and immature behavior he shows in any conversation or email. He has no tact, and loves to threaten." My $300 loan was done via email, no electronic forms were ever complete. I paid them 4x as much as the original loan but was never provided any agreements showing APR, payment schedule and never signed anything either. They tried taking additional amounts from my bank fraudulently in differing values. They threatened me, saying I owed $3000, then ~$2800, now they send me to Credit Services of Logan for ~$1,300. I don't even know where they come up with this stuff. How can a company illegally steal your information, fill out new loans electronically without funding you anything additional and get by with this? If they don't disclose any terms and you don't agree to anything, then you should owe exaclty what was borrowed.
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November 2022 by Jason Konieczko
This place rocks! Always there when I need a little extra help.
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November 2022 by michelle reyes
These guys have always been very friendly and accommodating to our needs when needing a loan. I've always gotten pretty good customer service and quick replys to emails or texts. I definitely recommend instant cash flow
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December 2021 by Tyler A.
Chad, the owner, is like dealing with a trustfund born irrational-prince. I have never been so taken back by the unfiltered, unprofessional, and imature behavior he shows in any conversation or email. He has no tact, and loves to threaten, I've tried every angle with that guy, and there is no changing his abrasive tone. If you want to get abused and taken advantage of, get a loan here. FYI, my $400 loan payment was $130 every two weeks, which I paid for 2.5 (5 payments) months, when I went to pay off, they said I owed another $675, even after my 5 payments of $130 for a $400 loan. Literally the worst, but even worse than the outrageous fees is trying to have a civil conversation with a combative irrational person. DO NOT LOAN HERE! They threaten to sue you after one day late, the threats are childish yet relentless!!! Grow up Chad!!
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November 2021 by Royce Davenport
Hey this place is wonderful and willing to work with you really well!!
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November 2021 by Jewell Porter
They have been awesome, helped when I needed it
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November 2021 by Debbie Boone
Quick response to my financial needs for the past 6 months. Easy to apply with no credit check. Always courteous and professional.
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November 2021 by Kizzy Ingram
This is a great place to borrow money from when in need. It's super easy, all I do is email them and they send the money instantly if you give them your debit card number, with checking account and routing number you'll receive your funds the next day. They always reply to my emails the same day and are very polite. Never any hassle with them, I love this place, they have saved me many times in sticky situations where payday was just too far away. I highly recommend this company.
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November 2021 by Natalie Smith
I absolutely love this place. Anytime I’m in need of some extra cash, these guys help me out. They are very quick and professional. I go to them every time and recommend them to my friends
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November 2021 by Celeste Roy
Do not loan from them!Edit:As seen below, Chad cares more about leaving unprofessional comments than being responsive to his clients while they are in business with him. It is my opinion that people should steer clear.Open and professional communication would’ve allowed this situation to easily have been resolved, but I was not given that opportunity.---If that's one thing you take away from my review please let it be that.There are many things I can say about my loan experience with Instant Cash Flow. Most of it having to do with the owner, Chad (Nathan).If you look through other negative reviews or the two complaints on the BBB website you'll see his responses. They are grossly unprofessional. If he responds to my review it might be as well, he likes to condescend from what I have experienced.Thankfully I was able to figure something out and pay my loan in full today. If you can avoid doing business with ICF please do so. Sometimes life throws you into a mess and you cant do much about it. He was upfront with the interest rate of more than 600% however, I'll include a bit of the contract sent to me below."I hereby authorize Instant Cash Flow to initiate debit/credit entries to my account for all payments due, including any returned unpaid item fees due, on which the subject of this agreement is drawn and the Financial Institution at which the account is held to debit/credit the same to such account, including debit/credit card as well as electronic payment.This authority is to remain in full force and effect until ICF and the subject Financial Institution have received written notification from me of its termination in such time and in such manner as to afford ICF and said Financial Institution a reasonable opportunity to take act on it. I understand that I may cancel this authorization by providing written notice to ICF at least ten (10) business days prior to the payment due date. I further understand that canceling my authorization does not relieve me of its responsibility of paying all amounts due in full. You agree to pay all reasonable attorney’s fees in the event of default and all referral fees to an attorney. I also understand in the event that there is a deposit for my check and it is returned from the Fin. Inst., I agree that ICF may electronically represent it to the bank and include any applicable service charges, collection fees, and damages. "This is standard in most contracts, however even though in the contract it indicated that you can revoke ACH debits, that is not the case. They will tell you that in order to revoke your permission you needed to make a payment before the due date. That is not included in the contract, however he likes to say his contract is "iron clad". However, that is not the case and he obviously breached the contract.Chad (Nathan) refused to comply with the request and still ran the ACH. I went to my bank to stop the payment but he had my card number. He then proceeded to run my card and take out the money that way. When I asked where he received the card information, which I gave once for the initial deposit, he ignored me and then hung up on me. I was going to let it to go to collections with his lawyers and dispute the charge as he voided the contract.I managed to pay in full today and thankfully will never work with Chad (Nathan) again.The initial deposit did come quickly, so if you need the money for a day or two then go ahead. But beware if you need it for more than that. If possible use a prepaid card to make payments. They will only take payments over the phone or email/text. They have no secure way of doing it.Just protect yourself.
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November 2020 by Mary engleman
This place is one of the best, I have been throughThe customer service is amazing, and communicating with them has been a breeze and works around my schedule so no added stress of when I'm gonna have time to call. Also chad has been great and very understanding. I think that's what makes this place great because they understand life happens, and having a loan company that wants to work with you is the best.
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November 2019 by Fay Ingersoll
This place is great, Kim is very helpful and friendly. Plus there is no penalty for early pay off on a loan.
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November 2019 by Real L0sing
This company BUYS GOOGLE REVIEWS by offering 5$ to its customers. USE "Earnin" on google play! NOT THIS COMPANY. Earnin lets you pay back pennies for each dollar they loan you. Wyatt is a terrible agent for this company. If Chad was their front man on conducting interpersonal business, theyd be thriving.
