Saturday, November 7, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
406 reviews
LendingCreativeSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
LendingCreative issues fast, online installment loans from $200 to $2,000 repayable over six months. Our 100% digital application and funding process means no paperwork, no hassles and quick access to cash when you need it!
LendingCreative (lendingcreative.com) has 406 customer reviews on The Fair Hearing, with an average rating of 4.4 out of 5.
Showing 39 reviews with 1 star · Clear filters
What not helpful, did not help me find solutions for my needs, send me to a website that couldn't help me
By customer
Response from LendingCreative· Sep 7, 2026
Hello, Thank you for your review! We are sorry to hear this, we will look into your account further to provide you a better service.
Was told could not pay loan it was sent to valley service even though option is available to pay on their website. Was threatened saying that i should not pay loan on their site or I will regret it. If it was paid I would have to pay twice. This is a scam. Customer service are rude people.
By JJ
Response from LendingCreative· Aug 27, 2026
Greetings! When an application is assigned to a debt consolidator, all payments should be done through them. If you make any payment using our website and then Valley Service charges you an extra payment, you'll be charged twice. Nevertheless if this happen we will gladly refund you within 2 business days.
Accepted to only have it disappear and be denied on a new loan
By Caleb R.
Response from LendingCreative· Aug 27, 2026
Greetings! We’ve noticed that your loan was successfully funded.
Lied to by the rep
By Dave V.
Response from LendingCreative· Aug 19, 2026
Thank you for your review. We would like the opportunity to discuss this with you further. Please contact us at 800-660-2377 to speak with a customer service representative today.
No idea how this company has anything above a 1 star review. I filed for a loan on the 17 of July. It is now almost Aug. Have yet to receive funds. They have admitted this is their fault but won't even cancel the loan they have yet to provide. This is fraud. They now sent me an email today for my first payment schedule. I will update with thus fraudulent company if they try to take any funds as I will be filing a police report and a fraud report.
By Lukas B.
Response from LendingCreative· Jul 30, 2026
We are so sorry for this issue and any frustration caused. We experienced a system glitch on July 17th, but it has now been resolved. Please call us at 1-800-660-2377 right away so we can assist you directly and ensure everything is corrected on your account.
They took 225.00 out of account. I payed them off 5/4/2026. 5/13/2026 they took the 225.00. These are crooks
By Mardis H.
Response from LendingCreative· May 24, 2026
Thank you for your review. We would like the opportunity to discuss this with you further. Please contact us at 800-660-2377 to speak with a customer service representative today.
I'm not sure why they have such a high review. Customer service is very shoddy, terrible. The payday that they choose seems to always land the day or two before my actual pay date so of course there are fees for late pay and although they say they can change it, there is still a late fee. AND the service rep even admitted that! Aside from the rudeness and the tactics, this company should not be on trust pilot. Are the customers getting a kickback? A day of free interest or a late pay waived for a good review like the self storage companies?
By Mel
Response from LendingCreative· May 3, 2026
Thank you for your review. We would like the opportunity to discuss this with you further. Please contact us at 800-660-2377 to speak with a customer service representative today.
I was approved had all the documentation sent to me I screenshot it, of it. My payment dates, the loan amount, text messages, everything had it all and then a couple hours later I go back. Everything was denied now I can’t even login. They have my banking information and everything I tried to send emails they have blocked me. I can’t even send an email to the customer support so I guess I’ll have to take this legal way. Don’t trust these people nothing about them.
By Rachel
Response from LendingCreative· Apr 25, 2026
We sincerely apologize for the frustration. We want to assure you that your data is handled with strict confidentiality; any issues with access or email were likely due to a system error, as we never block communication. Our final decisions are based on a combination of factors and a large amount of data, which unfortunately didn't meet our criteria this time. If you have any questions, please contact our customer service team at 800-660-2377.
