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Payday & personal loans

Problem with the payoff process at the end of the loan

Consumers have filed 6,062 complaints about this, 1,385 in the last 12 months (+49%), against 646 companies. The most complained-about is Affirm. Companies closed 10% of these with relief.

Companies with the most

Last 12 months.

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 12, 2026Uprova CreditPayday & personal loansProblem with the payoff process at the end of the loanNEIn progressYes
Nov 9, 2026UpstartPayday & personal loansProblem with the payoff process at the end of the loanILIn progressYes
Nov 6, 2026BlockPayday & personal loansProblem with the payoff process at the end of the loanNYExplainedYes
Nov 5, 2026Skopos FinancialPayday & personal loansProblem with the payoff process at the end of the loanNCIn progressYes
Nov 4, 2026SynchronyPayday & personal loansProblem with the payoff process at the end of the loanMOIn progressYes
Nov 4, 2026UpstartPayday & personal loansProblem with the payoff process at the end of the loanSCIn progressYes
Nov 4, 2026Solar ServicingPayday & personal loansProblem with the payoff process at the end of the loanARIn progressYes
Nov 4, 2026Skopos FinancialPayday & personal loansProblem with the payoff process at the end of the loanGAIn progressYes
Nov 4, 2026SoFiPayday & personal loansProblem with the payoff process at the end of the loanSDExplainedYes
Nov 2, 2026Bread FinancialPayday & personal loansProblem with the payoff process at the end of the loanNJExplainedYes
Nov 2, 2026CCF IntermediatePayday & personal loansProblem with the payoff process at the end of the loanKSExplainedYes
Nov 1, 2026Paramount GRPayday & personal loansProblem with the payoff process at the end of the loanMEExplainedYes
Oct 31, 2026AffirmPayday & personal loansProblem with the payoff process at the end of the loanNJExplainedYes
Oct 30, 2026SpotloanPayday & personal loansProblem with the payoff process at the end of the loanMOExplainedYes
Oct 30, 2026Hancock Whitney BankPayday & personal loansProblem with the payoff process at the end of the loanTXFixedYes

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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