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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, 2022Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Sep 5, 2022Payday & personal loansProblem with the payoff process at the end of the loanTXExplainedYes
Sep 1, 2022Payday & personal loansProblem with fraud alerts or security freezesTXExplainedYes
Feb 11, 2022Payday & personal loansLoan payment wasn't credited to your accountTXExplainedYes
Dec 1, 2021Payday & personal loansCan't contact lender or servicerTXExplainedYes
Sep 1, 2021Payday & personal loansIncorrect information on your reportInformation belongs to someone elseTXExplainedYes
Mar 23, 2021Payday & personal loansReceived a loan you didn't apply forTXExplainedYes
Feb 21, 2020Payday & personal loansProblem when making paymentsTXExplainedYes
Apr 19, 2019Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Jun 20, 2018Payday & personal loansStruggling to pay your loanTXMoney backYes
Nov 4, 2017Payday & personal loansProblem when making paymentsIDFixedYes
Mar 14, 2017Payday & personal loansCharged fees or interest I didn't expectNMMoney backNo
Oct 12, 2016Payday & personal loansCan't stop charges to bank accountTXMoney backYes

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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