Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

Payday & personal loans

Synchrony payday & personal loans complaints

Consumers have filed 1,931 complaints about Synchrony's payday & personal loans, 245 in the last 12 months (+13%). Synchrony answered 95.9% on time and closed 17% with relief. See the whole Synchrony record.

Synchrony 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
13Synchrony245+13%95.9%17%1,931

Every lender ranked

Latest Synchrony payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Nov 4, 2026Payday & personal loansProblem with the payoff process at the end of the loanMOIn progressYes
Oct 30, 2026Payday & personal loansProblem with the payoff process at the end of the loanCAIn progressYes
Oct 30, 2026Payday & personal loansProblem when making paymentsTXIn progressYes
Oct 29, 2026Payday & personal loansCharged fees or interest you didn't expectMNIn progressYes
Oct 29, 2026Payday & personal loansCharged fees or interest you didn't expect-In progressYes
Oct 28, 2026Payday & personal loansGetting the loanFLIn progressYes
Oct 23, 2026Payday & personal loansProblem with the payoff process at the end of the loanIDIn progressYes
Oct 23, 2026Payday & personal loansCharged fees or interest you didn't expectNYIn progressYes
Oct 22, 2026Payday & personal loansGetting the loanNYIn progressYes
Oct 22, 2026Payday & personal loansCharged fees or interest you didn't expectAZIn progressYes
Oct 21, 2026Payday & personal loansProblem when making paymentsTXIn progressYes
Oct 20, 2026Payday & personal loansProblem with the payoff process at the end of the loanFLIn progressYes
Oct 19, 2026Payday & personal loansProblem when making paymentsMTIn progressYes
Oct 19, 2026Payday & personal loansProblem when making paymentsLAIn progressYes
Oct 19, 2026Payday & personal loansProblem when making paymentsLAIn progressYes
Oct 17, 2026Payday & personal loansProblem with additional add-on products or servicesOKIn progressYes
Oct 16, 2026Payday & personal loansProblem when making paymentsNCIn progressYes
Oct 15, 2026Payday & personal loansStruggling to pay your loanFLIn progressYes
Oct 12, 2026Payday & personal loansCharged fees or interest you didn't expectNYIn progressYes
Oct 12, 2026Payday & personal loansCharged fees or interest you didn't expectNYIn progressYes
Oct 10, 2026Payday & personal loansCharged fees or interest you didn't expectILIn progressYes
Oct 10, 2026Payday & personal loansCharged fees or interest you didn't expectTXExplainedYes
Oct 9, 2026Payday & personal loansProblem when making paymentsWIIn progressYes
Oct 8, 2026Payday & personal loansProblem with the payoff process at the end of the loanNYIn progressYes
Oct 6, 2026Payday & personal loansProblem when making paymentsNJIn progressYes
Oct 5, 2026Payday & personal loansCharged fees or interest you didn't expectFLIn progressYes
Oct 5, 2026Payday & personal loansStruggling to pay your loanTXExplainedYes
Oct 5, 2026Payday & personal loansProblem with additional add-on products or servicesCAIn progressYes
Sep 29, 2026Payday & personal loansProblem when making paymentsWYFixedYes
Sep 29, 2026Payday & personal loansCharged fees or interest you didn't expectFLIn progressYes

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

Talk about Synchrony

Be kind and stick to facts. No account numbers or other people's details. Rules

No comments yet. Start the conversation - questions are welcome too.

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

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience