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Payday & personal loans

Essential Lending payday & personal loans complaints

Consumers have filed 73 complaints about Essential Lending's payday & personal loans, 26 in the last 12 months. Essential Lending answered 26.9% on time and closed 0% with relief. See the whole Essential Lending record.

Essential Lending against other personal & payday lenders

#Company12 monthsChangeOn timeReliefAll time
1Affirm2,316+167%100%0%4,371
2Paramount GR904+262%99.8%0%1,538
3OneMain Financial765+18%100%7%3,344
4Klarna652+212%94%13%1,034
5Block (Cash App)447+213%96.2%2%702
6Enova (CashNetUSA, NetCredit)434+7%100%0%2,775
7CCF Intermediate388-18%99.7%8%1,368
8Upgrade291+62%100%2%923
9Upstart276+35%99.6%2%910
10SoFi276+57%100%10%563
11Truist274+37%99.6%11%958
12Uprova Credit257+118%100%0%466
13Essential Lending26new26.9%0%73

Every lender ranked

Latest Essential Lending payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Oct 22, 2026Payday & personal loansCharged fees or interest you didn't expectUTExplainedYes
Sep 4, 2026Payday & personal loansReceived a loan you didn't apply forTXExplainedNo
Aug 31, 2026Payday & personal loansProblem when making paymentsVAExplainedYes
Aug 26, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedNo
Aug 14, 2026Payday & personal loansCan't contact lender or servicerDEExplainedNo
Aug 13, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedNo
Jul 15, 2026Payday & personal loansIncorrect information on your reportPersonal information incorrectTXExplainedNo
Jun 10, 2026Payday & personal loansProblem when making paymentsTXExplainedNo
May 21, 2026Payday & personal loansCan't contact lender or servicerTXExplainedNo
May 12, 2026Payday & personal loansGetting the loanTXExplainedNo
May 10, 2026Payday & personal loansStruggling to pay your loanLAExplainedNo
Apr 22, 2026Payday & personal loansGetting the loanMSExplainedNo
Apr 20, 2026Payday & personal loansCan't contact lender or servicerLAExplainedNo
Apr 16, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedNo
Apr 15, 2026Payday & personal loansGetting the loanGAExplainedNo
Apr 8, 2026Payday & personal loansProblem with fraud alerts or security freezesTXExplainedYes
Mar 23, 2026Payday & personal loansProblem when making paymentsTXExplainedYes
Mar 5, 2026Payday & personal loansIncorrect information on your reportInformation belongs to someone elseMOExplainedYes
Feb 9, 2026Payday & personal loansStruggling to pay your loanLAExplainedYes
Feb 7, 2026Payday & personal loansCharged fees or interest you didn't expectLAExplainedYes
Jan 22, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedNo
Jan 21, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedNo
Jan 8, 2026Payday & personal loansIncorrect information on your reportAccount information incorrectTXExplainedNo
Jan 3, 2026Payday & personal loansGetting the loanTXExplainedNo
Dec 8, 2025Payday & personal loansProblem with the payoff process at the end of the loanMOExplainedNo
Dec 8, 2025Payday & personal loansProblem with the payoff process at the end of the loanMOExplainedNo
Nov 12, 2025Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Oct 12, 2025Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Oct 7, 2025Payday & personal loansProblem with additional add-on products or servicesTXExplainedYes
Sep 18, 2025Payday & personal loansCan't contact lender or servicerDEExplainedYes

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

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Complaint records are public consumer complaints filed with U.S. regulators, checked (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

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