I have had many tribal loans from many different tribal lenders. Many of them are little more than professional loan sharks. Spotloan gives you a clear payment schedule with a clear payoff date upfront. They don't want you to wallow in a permanent mire of never-ending interest. They want to help you with a short-term solution, not a long-term trap. Absolutely one of the BEST lenders I have ever worked with, including mainstream lenders! Highly recommended!
When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may request in the event that you are unable to repay your loan in full or if you make a late payment. We cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Additionally, we have no knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Our company makes a reasonable effort to work only with reputable lenders who abide by Fair Debt Collection Practices. If you have a complaint about a specific lender, please Contact Us and one of our agents will look into the matter further.

Someone called my job and told them that there was a legal matter that could result in me losing my job. When I called them, I was told that I had an outstanding payday loan of $300 plus 2000 in legal fees. In order to prevent legal action, I would have to get a green dot pre-paid card and fax them an apology letter and promise to pay. I actually got scared and tried to make a payment but got suspicious when they couldnt give me an account number or reference number. When I began to question them, they got very nasty and told me that they would send me a subpena and send it to my job to try to scare me into paying. I was able to make sure that they didnt get any payment. BEWARE OF CASH ADVANCE USA

Spending less than you earn is key to staying afloat financially, yet many of us rely on credit cards to fund our lifestyles. With more than $16,000 in credit card debt per household in America, many of us struggle to understand what we can and cannot afford. Successful savers are very clear on that point and often live a frugal lifestyle despite having an income that can afford some luxuries. Warren Buffett, for example, still resides in the home he purchased for just $31,500 nearly 60 years ago, despite being one of the wealthiest people on the planet. Take it from Buffett: Maintaining a frugal lifestyle while your income continues to grow will help you reach your financial goals sooner.
Emergencies are inherently unexpected and almost always emotionally and financially jarring. Emergency funds are a key component in the arsenal of a successful saver because they not only mitigate the financial burden of unexpected expenses, they also help reduce the stress which often accompanies them. Unlike the amount you set aside for a specific purchase, an emergency fund is to be used exclusively for events like family crises, medical issues and natural disasters. People with emergency savings avoid crippling debt and are on the road to recovery much more quickly than those who are unprepared.
Someone called my job and told them that there was a legal matter that could result in me losing my job. When I called them, I was told that I had an outstanding payday loan of $300 plus 2000 in legal fees. In order to prevent legal action, I would have to get a green dot pre-paid card and fax them an apology letter and promise to pay. I actually got scared and tried to make a payment but got suspicious when they couldnt give me an account number or reference number. When I began to question them, they got very nasty and told me that they would send me a subpena and send it to my job to try to scare me into paying. I was able to make sure that they didnt get any payment. BEWARE OF CASH ADVANCE USA
Cash Advance America called me up and said I was approved for a loan. I said "ok." First they asked me for my checking, Routing numbers name of bank then asked if I had online Mobile banking. Stupid me. I gave them all the information and to get to the point they deposited counterfeit check into my account and the bank closed my Account. Now what can I do? Please help.
While a cash advance lender may only charge $15 for every $100 you borrow, that’s only for two weeks. If you don’t pay back the loan as well as interest and fees, you roll over the loan and then you’re responsible for paying the interest again. An interest rate of 15 percent for a two-week loan becomes an interest rate of 30 percent when you roll it over for a month. And if you extend the loan for a year and do the math, you end up with an annual percentage rate of almost 400 percent!
I received an email from a lawyer with email **. I was told that I owed Cash Advance USA $1200 and many attempts have been made to contact me. I was threatened with wage garnishment, a warrant, and closing my accounts if I did not pay the $1200 today. I contacted the debt settlement and was told they were a collection agency and just doing their job. This was definitely a scam. I never heard of Cash Advance USA and never borrowed any money from them.

Cash Advance® is not a lender and does not provide short-term loans but refers consumers to lenders who may provide such loans. For this reason, we are unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you choose to accept an offered loan. The loan interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. Your lender provides the APR, loan fees, and other terms. For help in understanding and using our services, consumers may refer to the Questions section or Contact Us.
If approved, the next step requires you to deal personally with a lender, rather than USACashAdvance.com. The lender will be responsible for setting terms and fees. You should carefully review the lender’s loan offer before accepting the terms. If you choose to accept the terms, you can sign the e-signature form and continue along the simple path to receiving your cash advance loan. Sometimes, you may find that you don’t agree with the loan offer presented by the lender. If this is the case, you can decline the loan offer. You are under no obligation.
I just received the same exact call on my job. He said there are some charges being filed against me. I asked for what. He said he is going to read the affidavit and told me not to interrupt him. He had an accent too. He said that I took out a payday loan with Cash Advance USA last year using my US Bank account and that I wrote them bad checks and have closed my account. First of all my US Bank account is just 1 month old...I asked for his name and told him I was going to report him. He said he is going to have the state of California police and my police to come to my job and pick me up in 24 hours then he hung up in my face.  And I know for a fact I haven't taken out a payday loan. That is just crazy that people are trying to scam others.
Cash Advance USA I WAS CONTACTED BY A FAKE SHERRIFF DEPUTY, WHO CALLED FROM A 911 #. NATURALLY I REALLY THOUGHT HE WAS THE LAW. I WAS REALLY SCARED. I ASKED HIM WHAT I DID AND HE SAID I RECIEVED A PAY DAY LOAN FOR 300.00 . HE SAID IF I WANTED TO RESOLVE THE MATTER I HAD TWO OPTIONS. OPTION #1 PAY596.00 OR OPTION#2PAY 985.00. I EXPLAINED TO HIM THAT I NEVER RECIEVED A LOAN FROM CASH ADVANCE USA.HE SAID THAT HE WOULD ISSUE A WARRANT FOR MY ARREST TODAY. I DID SOME RESEARH AND TRIED TO LOOK UP CASH ADVANCE USA AND TO MY SURPRISE I FOUND OUT IT WAS ALL A SCAM. THESE PEOPLE NEED TO BE PROSECUTED. THEY SHOULD NOT BE CALLING PEOPLES RESIDENCES AND PLACE OF EMPLOYMENT HARRASSING THEM. THE SCARY PART IS THEY HAD ALL MY PERSONAL INFORMATION. I HAVE LEARNED A VERY IMPORTANT LESSON ! NEVER GIVE YOUR INFORMATION OUT ONLINE TO ANYONE!!!!! Maryland
I was offer a loan in a text message and since my credit is bad. I call the number, I notice the heavy accent. But I continue talking. They knew so much about me (phone number, social security, bank routing and checking account). I continue talking. I wanted $2000 he said "No you can have $9000." I decline but he said my funds would be deposited a few hours later after they confirm my account. I immediately took the money out of my account. He calls me 1 hour later and demands my online banking user name!!! I told him I don't have one. So he demands my bank card number!!! I said "No way I would not give you that ever." So I wanted to see how far he would go and he say: "How can you be so stupid not to agree with us so you can get $5000 in your account?" So after that I say "Forget it" and I hanged up.
So I have been constantly getting these silly emails from Cash Advance USA, I have no idea whom they are. Never took out a loan from any of these institutions. But I like messing with them when I do get them. Easiest way to figure out it is a scam, promptly ask them, "How can I send you the money so I can clear my name today?" They will come back with a stupid email saying if you pay '**' amount they will call it paid in full. I then ask them again, "How can I send the money right now to take advantage of this great settlement amount?" Their response would be something like what I received from them again. Stupid scam.
They contacted me today. Said his name was Michael Ray @ 717-612+4596(which is not a working #) the number they called from 717-724-0000 has been disconnected. He stated I was being sued for no payment on the loan that was deposited in my acct in Sept for $400. While on the phone I got online to check my acct. no funds ever. I had checked into some, but never followed thru. When I told him that he said in his accent that he would have to call me back. I said I would stay on the line. He said he was going to lunch and that he would call me later. I then said I wanted to speak to his manager. He stated he did not have one, I said so you answer to know one?? he got rude and said he would call me back. I asked for the phone number and proof in writing for this supposed loan. He said since it was done online, it was not needed. I then asked for Cash Advances phone # he said I would have to go on their website and get it.

California Residents: Flurish Inc. dba LendUp is licensed by the Department of Business Oversight, pursuant to the California Deferred Deposit Transaction Law, license #1004393, and the California Financing Law, license #6054610. LendUp loans made under the authority of its CFL license are made pursuant to the California Financing Law. LendUp credit cards are not offered under any license regulated by the California Department of Business Oversight.

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