Posts by Anthony Sanders5

Bryan Gray6 said:I submitted my application earlier today, and they were asking for three separate pay stubs along with my recent bank statements. Everything was approved within five minutes of uploading the documents, but once I actually sat down to look at the interest rates and the fees for their "guarantor" service, I nearly fell out of my chair. Honestly, I’d much rather deal with a collection agency from a credit card company and just grind it out for four months to settle my debts than touch anything involving Ally Bank.

What am I supposed to make of this? A woman from their office called me about an hour ago, asking why I hadn't sent over the signed contract yet.
I told her straight up that I wasn't sending it—not after seeing what that ridiculous guarantor fee costs. She had the nerve to tell me that the fee isn't their problem, to which I responded, "Wait, you're telling me how it works?"
Please, just stop calling me. I'm not foolish enough to fall for this kind of predatory lending. It seems like they specifically target people who are desperate and feel like they have no other options. It's honestly quite pathetic.

There are plenty of us who felt we "had" to take these deals (though looking back, maybe there was another choice, but it's too late to cry about it now)...
You made the right call. You just saved yourself from a massive nightmare, even if you don't realize it yet.

Keith Reed62 said:When you submit an application at Ally Bank, you'll be redirected to the global guarantees page once you hit confirm.
However, if you don't accept those terms and finalize the guarantee, the loan won't even move forward for approval.

On top of that, they require a signature on the contract they send over.

If you’re just looking for a quick thousand bucks, fast loans are fine, provided you aren't overextending yourself.

The best option on the market is Cash Expert; there are zero hidden fees, and it takes about 3 to 5 hours from submission to payout.

Once the application is submitted, they call you within 2 to 4 hours, and after you confirm during that call, the funds hit your account in 1 to 2 hours.

They are polite, professional, and so on... if you can't make a payment, they offer extensions. Also, the amounts, number of installments, and installment totals are all clearly listed on the website.
The fee is slightly higher, but if someone needs cash in a hurry, this is a really solid option.

Well, now that sounds like a paid advertisement to me.
There is no such thing as a "best" predatory lender; "the best" doesn't exist.
Credit Karma is just as much a pack of wolves as any other firm offering quick online loans.
You should steer clear of all of them—Credit Karma, Experian, Ally, Netfinity, Evocash. They're all sharks, bottom-feeders, and nothing more.
Run the other way. Try to figure it out yourself—pick up a side hustle, ask family, talk to friends, anything at all. Just don't go to them.

Anything is better than these "polite and professional" devilish loan sharks. Seriously, ANYTHING.

Good luck to everyone.