This is a short term loan, and it clearly tells you when you signing your contact your interest rate and how much you will be paying back. For those people who say it’s hidden or not disclosed are lying or they didn’t read the contract that they sign. I have borrowed several times from this company and always paid the loan off ahead of schedule. The only suggestion I would give is for returning customers who have built that trust with, maybe lowering the interest rate from time to time. We try to show good faith by paying on time and paying loan off early just maybe a little reward who be nice. Other than that, I have no issues with this company. If I call customer service they have always been respectful and understanding to my situation. For those reasons is why I only use Bright lending anytime I need extra cash.
Have paid off on time way more than I originally borrowed completely upset! I’d understand if you do not make payments on time….but that is not the case! Would use again if they stoped charging you after repaying requested amount. I have paid $770 on a $600 loan every payment on time? Totally unfair would use if they resolved issue and stoped charging me impossible to save money now I have been advised to go to my state representative to deal with the matter and no one on brights end has been helpful in any matter to address the situation I will contact my bank as well Will talk to my state representative and bank to get the issue handled no effort to reach out on brights end I have called that customer service number with no human answering
I recently received a loan offer from bright lending for an undisclosed amount so I took it. I am aware that the rates are extremely high but I understand that this is not a long term loan. I took the offer last month and I payed the first monthly payment for credit management purposes and then I payed the total amount without penalty. I will say it again this is a short term loan hence the high rates, but for someone who is working hard to fix my credit and finally getting an loan offer to me it was good opportunity and I took it. I recommend Bright Lending but only if you’re looking for “short term” loan. Meaning you have to pay it back in a couple months.
Too many failed attempts to reset password only to be told that I don’t have an account associated with my details. If that was the case it wouldn’t let me reset my password. It wants me to contact customer service when they won’t even reply to my emails. I started the account and filled out the needed information and sent a picture of my ID and no response. It’s been days. I got an email saying that I was good to finish my application but when I sign in I’m still at the screen where it says to send a copy of my ID for review. It’s a waste of time.
They helped a lot when needed. The APR is extremely high but I was able to read the contract before signing and accepting anything so I was highly aware of the interest rate and how much I was going to pay. They’re also great about paying your loan off early, so since I did that it was much lower than paying them back monthly.
Helped me out when I was over drafted from moving across the country and being in between jobs. Still paid a ton in interest but less than daily over draft fees. DO NOT USE IF YOU CAN NOT PAY BACK WITHIN A WEEK
Please do not apply for a loan with this company . They have a high APR rate and won’t tell you about it and will purposely leave out information when you apply for a loan. Idk how they’re in business . This is a complete scam ! Don’t apply here . I been trying to get in contact about my loan and they were so rude and refuse to give me a refund . Don’t apply here !
This Is a scam! They will lend you a small amount and dump interest on you even if you pay on time. I borrowed 400$ and ended up pay close to 800$ they doubled the amount and it’s just not worth it I promise!!
So the other day I checked my account and it said my balance was like $900 something and when I checked it again this morning it says my balance was 1,124.22. I have never missed a payment on this and I feel like I’m getting screwed over. They changed my balance on me and I have no idea why and I can’t find a way to check my previous payments. This is ridiculous. I only borrowed $1,000 and have been paying it off since May. I am grateful that I was able to get the money as fast as I needed it and I thought the terms of the contract were reasonable but I never imagined that they would change my balance on me like that I wish that I would have taken a screenshot and was able to post the change as proof but I’m just really upset about this right now. I don’t think I will be comfortable using this loan service again due to this issue. I can’t say it’s 100% a scam because I did get the money but the rest of it definitely feels like a scam so beware to those looking into this service.
Predatory Lending Scam by Rent-A-Tribe Scheme. Loan Sharks.
I am one of many borrowers who have been ensnared in the predatory web of Bright Lending. Despite diligently making ten on-time bi-weekly payments totaling $2,688.30, I was shocked to discover that the overwhelming majority of my payments had been allocated towards interest, leaving me with an outstanding balance of $2,019.24 on the original $2,100 loan. A mere $80 has been applied to the principal amount, effectively trapping me in a cycle of debt with no end in sight. This situation not only highlights the egregious nature of the exorbitant 325% interest rate imposed by Bright Lending but also underscores the predatory amortization structure employed by such entities, where minimal progress is made toward reducing the principal balance. It is a glaring injustice that demands immediate attention and intervention from lawmakers Bright Lending is operating what appears to be a "rent-a-tribe" scheme, where the economic gains from lending operations are funneled to external parties rather than benefiting the tribe itself. These LLCs are no more tribal than their non-Native, out-of-state beneficiaries.
With the Bright Lending mobile app, you'll have 24/7 access to manage your account all in one place. New loans are not available on the Bright Lending mobile app. Mobile App features include: • View account balance, next payment due date and payment amount. • Schedule an additional payment. • Access account documents, including your payment schedule. • Get a payoff quote or schedule a pay-in-full. • Chat with Bright Lending for 24/7 support + live chat during business hours. Download today!
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