Payday & personal loans

Payday & personal loans complaints Personal & payday lenders ranked

Consumers filed 19,298 complaints about personal & payday lenders in the last 12 months (+58% on the year before). Fees and interest, payments taken without permission, collection and loans that were never asked for. The most complained-about is Affirm.

Last 12 months: 19,298
Last 30 days: 1,291
Answered on time: 94.7%
Closed with relief: 6%
Money back: 3%
Companies: 2,191

Most complained-about personal & payday lenders

#	Company	12 months	Change	On time	Relief	All time
1	Affirm	2,316	+167%	100%	0%	4,371
2	Paramount GR	904	+262%	99.8%	0%	1,538
3	OneMain Financial	765	+18%	100%	7%	3,344
4	Klarna	652	+212%	94%	13%	1,034
5	Block (Cash App)	447	+213%	96.2%	2%	702
6	Enova (CashNetUSA, NetCredit)	434	+7%	100%	0%	2,775
7	CCF Intermediate	388	-18%	99.7%	8%	1,368
8	Upgrade	291	+62%	100%	2%	923
9	Upstart	276	+35%	99.6%	2%	910
10	SoFi	276	+57%	100%	10%	563
11	Truist	274	+37%	99.6%	11%	958
12	Uprova Credit	257	+118%	100%	0%	466
13	Synchrony	245	+13%	95.9%	17%	1,931
14	MoneyLion	240	+66%	98.3%	2%	945
15	Rosebud Economic Development	225	+79%	67.1%	0%	598
16	Solar Mosaic	221	+62%	58.4%	0%	549
17	Dave Operating	218	+100%	95.9%	0%	386
18	Acima	196	-5%	100%	18%	718
19	WLCC	193	+79%	95.9%	0%	628
20	Solar Servicing	190	new	100%	0%	190
21	Sezzle	185	+137%	100%	0%	308
22	Opportunity Financial	184	+19%	100%	2%	602
23	Zip Co US	177	+293%	96.6%	0%	259
24	PayPal	169	+196%	100%	42%	536
25	Fifth Third Bank	161	+164%	100%	5%	485

Most likely to give relief

Least likely to give relief

Payday & personal loans complaints by month

2023202420252026

Latest full monthThis month so farPeak: 2,125 in October 2026

What people complain about

Payday & personal loans complaints by state

Per 100,000 people, last 12 monthsFewerMore

Your rights with personal & payday lenders

You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

General information, not legal advice; rules vary by state. Plain-English guides

Guides

Checking a companyHow to check if a financial company is legitVerify a financial company's license, check its complaint record and spot the red flags of a fake.8 min read Checking a companyHow to spot financial scamsThe warning signs of the most common money scams, and what to do right away if you have been scammed.8 min read Banking & paymentsPayment app scams and refunds: Zelle, Cash App, Venmo, PayPalWhat to do if you lose money on Zelle, Cash App, Venmo or PayPal, when the law requires a refund, and the scams to watch for.9 min read Filing a complaintHow to file a complaint against a bank or financial companyGather records, complain in writing, then escalate to the right regulator if the company does not fix it.8 min read Filing a complaintCompany response types explainedWhat each complaint response label means, why "closed" is not always "fixed", and how to read a company's record.7 min read

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Complaint records are public consumer complaints filed with U.S. regulators, checked 3 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works