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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
Sep 6, 2025Payday & personal loansGetting the loanNCExplainedYes
Aug 23, 2025Payday & personal loansGetting the loanTXExplainedYes
Aug 16, 2025Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Jul 31, 2025Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Jul 28, 2025Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Jul 25, 2025Payday & personal loansLoan payment wasn't credited to your accountLAExplainedYes
Jul 21, 2025Payday & personal loansProblem when making paymentsLAExplainedYes
Jul 7, 2025Payday & personal loansProblem when making paymentsLAExplainedYes
Jun 12, 2025Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Jun 6, 2025Payday & personal loansReceived a loan you didn't apply forMOExplainedYes
May 13, 2025Payday & personal loansCharged fees or interest you didn't expectSCExplainedYes
Feb 26, 2025Payday & personal loansProblem with a company's investigation into an existing problemDifficulty submitting a dispute or getting information about a dispute over the phoneTXExplainedYes
Dec 1, 2024Payday & personal loansGetting the loanSCExplainedYes
Oct 16, 2024Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Oct 10, 2024Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Aug 10, 2024Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Aug 9, 2024Payday & personal loansReceived a loan you didn't apply forTXExplainedYes
Apr 25, 2024Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Apr 16, 2024Payday & personal loansImproper use of your reportReporting company used your report improperlyDCExplainedYes
Apr 16, 2024Payday & personal loansCan't contact lender or servicerDCExplainedYes
Apr 12, 2024Payday & personal loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportDCExplainedYes
Dec 21, 2023Payday & personal loansReceived a loan you didn't apply forUTExplainedYes
Jul 29, 2023Payday & personal loansWas approved for a loan, but didn't receive the moneyTXExplainedYes
Jul 3, 2023Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Apr 21, 2023Payday & personal loansWas approved for a loan, but didn't receive the moneyTXExplainedYes
Feb 21, 2023Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Jan 7, 2023Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Oct 11, 2022Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Oct 11, 2022Payday & personal loansProblem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your reportSCExplainedYes
Oct 3, 2022Payday & personal loansStruggling to pay your loanDEExplainedYes

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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