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Payday & personal loans

Transform Credit payday & personal loans complaints

Consumers have filed 152 complaints about Transform Credit's payday & personal loans, 56 in the last 12 months (+30%). Transform Credit answered 89.3% on time and closed 14% with relief. See the whole Transform Credit record.

Transform Credit 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
13Transform Credit56+30%89.3%14%152

Every lender ranked

Latest Transform Credit payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Oct 14, 2025Payday & personal loansConfusing or missing disclosuresCAExplainedYes
Sep 28, 2025Payday & personal loansGetting the loanTXExplainedYes
Sep 24, 2025Payday & personal loansProblem when making paymentsORExplainedYes
Sep 19, 2025Payday & personal loansProblem with additional add-on products or servicesTXExplainedYes
Sep 13, 2025Payday & personal loansGetting the loanUTExplainedYes
Sep 12, 2025Payday & personal loansCharged fees or interest you didn't expectORExplainedYes
Sep 11, 2025Payday & personal loansGetting a line of creditMOExplainedYes
Sep 8, 2025Payday & personal loansProblem when making paymentsCAExplainedYes
Aug 26, 2025Payday & personal loansImproper use of your reportReporting company used your report improperlyCAExplainedYes
Aug 7, 2025Payday & personal loansGetting the loanFLExplainedYes
Aug 6, 2025Payday & personal loansCharged fees or interest you didn't expectILExplainedYes
Jul 20, 2025Payday & personal loansProblem when making paymentsCAExplainedYes
Jul 5, 2025Payday & personal loansProblems receiving the advanceFLExplainedYes
Jun 23, 2025Payday & personal loansStruggling to pay your loanWIExplainedYes
Jun 13, 2025Payday & personal loansProblem when making paymentsWIExplainedYes
Jun 9, 2025Payday & personal loansIncorrect information on your reportAccount information incorrectGAExplainedYes
Jun 6, 2025Payday & personal loansCharged fees or interest you didn't expectCAExplainedYes
May 22, 2025Payday & personal loansImproper use of your reportCredit inquiries on your report that you don't recognizeFLExplainedYes
May 16, 2025Payday & personal loansCharged fees or interest you didn't expectVAExplainedYes
Apr 21, 2025Payday & personal loansUnexpected feesWIMoney backYes
Mar 28, 2025Payday & personal loansIncorrect information on your reportInformation belongs to someone elseGAExplainedYes
Mar 26, 2025Payday & personal loansIncorrect information on your reportInformation belongs to someone elseORFixedYes
Mar 25, 2025Payday & personal loansCharged fees or interest you didn't expectGAExplainedYes
Mar 24, 2025Payday & personal loansStruggling to pay your loanILExplainedYes
Mar 23, 2025Payday & personal loansProblem when making paymentsTXExplainedYes
Mar 19, 2025Payday & personal loansCharged fees or interest you didn't expectCAExplainedYes
Feb 27, 2025Payday & personal loansGetting a line of creditGAExplainedYes
Feb 24, 2025Payday & personal loansGetting a line of creditVAExplainedYes
Feb 21, 2025Payday & personal loansImproper use of your reportReceived unsolicited financial product or insurance offers after opting outVAExplainedYes
Feb 7, 2025Payday & personal loansCharged fees or interest you didn't expectILExplainedYes

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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