EasyPay Finance Reviews 

if I could give zero Stars I would my original loan was for $2,600 so far I've already paid back $5,900 at a total of $179.44 twice a month and I still have 15 payments left 149% interest if I would have known that I definitely would not have signed the E contract unfortunately I trusted the automotive shop when they told me that it was all good worst experience with the finance company I recommend snap they don't charge you any interest and all you pay back is what you borrowed best Finance Company I've used them multiple times Unfortunately they couldn't cover the full amount that I needed to get my transmission fixed this last time hence easy pay

Somehow this scum company started charging a credit card I've NEVER used for payments for my monthly payments. FRAUD, will be reporting to BBB. I don't know how they got access to this credit card, but it certainly was never authorized by me.

Still waiting for my illegally stolen money to be refunded to the bank account that I closed because of the scammers. It has been since May 1st that they received my check in full and April 11th dealing with their grotesque laundering business.

Beware of Easy Pay Lending: A Lending Nightmare

I'm sharing my horrific experience with Easy Pay Lending to warn others. Their business model seems designed to deceive and exploit vulnerable individuals.

The fine print is intentionally complex and misleading, hiding exorbitant fees and interest rates. They'll promise one thing, but the reality is starkly different. I ended up paying significantly more than I anticipated, with fees piling up faster than I could keep track of.

Their customer service is unresponsive and unhelpful, leaving you feeling trapped and helpless. Don't fall for their seemingly attractive loan offers. The consequences can be financially devastating.

Rating: -10/5 stars

Advice: Avoid Easy Pay Lending at all costs. If you're struggling financially, explore alternative options, such as non-profit credit counseling services or reputable lenders with transparent practices. Your financial well-being is worth the extra effort.

The application was super easy and I was approved within seconds of submitting it. I was approved for $1500 and I paid off my balance before 90 days so I only paid $40 in finance charge. Total payoff was $1540. Making the minimum payment will not pay your loan off, you MUST make additional payments throughout the months or just pay the remaining balance left over at day 90. If you go past the 90 days that’s when the interest really kicks in and the total price of the purchase doubles. My word of advice to anyone wanting to use EasyPay Finance is to pay the purchase off within 90 days otherwise you’ll be paying double and for a longer period of time, usually 1 year. Also, make sure to actually read and comprehend every word on the agreement before you sign it. When I read it, it was very clear to me what I was signing. If you’re a person that has issues comprehending contracts, I suggest you ask a friend or family member to read it to you and explain what you will be signing. I only had to speak to customer service 1 time and that was simply to get my online portal access and that one time I spoke to them it was very pleasant. My issue was resolved in less than 5 minutes and the representative was very nice and knowledgeable. Due to my pleasant experience I highly recommend EasyPay, but only if you can pay the loan back within 90 days and only if you can afford the terms if you go beyond the 90 days.

This company is disgusting. 148% interest! Do not get trapped by them. They take advantage of people in a jam and do not update credit reports. Filing a complaint with Consumer Bureau and State as I do not believe they can charge such an outrageous rate!...

Easypay does.not accept people on Social Security as retired people because.of income they reject it and turn down those who have this as not qualified income say it's too low dont apply with them it's not good company

Do NOT use this company. They're charging $148%. Not only that, they pay the merchant, for me, Midas. And the work's not even DONE!@@#$ My vehicle still NOT inspected and it's APRIL. That's to keep you coming back and using more. Horrible company. It needs to end.

Worst compony ever to exist charge so much in intrest NEVER EVER go through these idiots

Avoid this company at all costs . My original car repair came out to $700 dollars . I have been paying on the loan bi weekly payments of 58 dollars every two weeks and the loan is still not paid off . They are still saying I owe almost 700 dollars . This company is extremely illegal with all of their practices . They are charging 149 percent interest.

I am paying off a loan with these people and have been paying big payments to get paid off early well I found outlast month I had a 1304 balance remaining i paid 604 then would have only 700 left i get pay off amount today and I owe 933 so since I made last payment on the 13th of March till today they charged me 233 I guess in extra interest to bring my final payment to 933, if at all possible stay away from this company do not borrow anything from them

This company charged me 146% interest. My original loan amount was $2,000. Before it was all said and done, I paid over $4,000 dollars! They also do not update your credit report with the correct remaining balance. This makes your percentage of credit usage high, which lowers your score. Although I put my date of experience as 3/27/2025, My original loan was in 2022. They charge interest of $8 per day for the original term of the loan. RIDICULOUS!

They are the worst kind of thieves, in my opinion and ought to be completely avoided I lost patience but display pic helped me get my money back.

EasyPay is so frustrating. The online portal is ALWAYS down and never accepts my payments, so unless I call them in all the time, I get spammed with calls and late fees. Even after I set up my checking account in order to have it withdrawn every week, their processing system always rejects it. When I spoke to their agents, because there have been several, they aren't helpful at all with helping me fix it. The last agent actually pretended not to hear me and ignored my request for help even while I was being calm and rational. She ended up talking over me and hanging up after conveniently taking my payment. RUN.

This is absolutely by far the worst company. They absolutely love taking advantage of people. Notices are sent out without a balance. I'm not able to get a verbal confirmation of my balance...why? Because they are adding more than what you owe. You have to submit a request for the balance.

I would not recommend this company to anyone not even my worst enemy. They are a total RIP OFF!! I could have got caught up in big financial mess with them but thank GOD, I had savings to pay them off. If I had not called them in advance before my last due date, I would have never known the amount that I would have been stuck with. They switched my date 1 days before orginal date which would have double the amount due. Please Go any place else... Their interest and rates should be illegal!! Do not TRUST them!

Worst experience of my life! It should be called harassment/deception pay. I got a loan for 800.00 in September and now it’s February. I asked for a pay off invoice which has to be sent from a 3rd party. I’ve been paying 80.09 twice and month and made a lump sum payment of 300.00 and my balance is showing I owe them 808.00! What a SCAM! AVOID THIS COMPANY AT ALL COSTS!

Amazing agent very helpful

Predatory with a Captital P . Horrible incompetent Service . What freaking Nightmare . J ADAMES

In around August of 2024, I had my transmission go out in my car. The repair was $3,600. I only had $1,000 towards it, and the guy at the Transmission place told me about EasyPay, explained it as a loan through a 3rd party to help cover the costs and make payments through them over time. A $2,600 loan turned into a $7,200 loan. I will NEVER EVER use this company again, and I would recommend anyone who considers using this predatory company to get their head checked before doing so. I wish I had. Worst part about this company, is you get little to no details of your account either online or over a phone. If you call and ask for you remaining balance, they have to "put in a request" for that information. Extremely predatory, all the representatives talk through a script like a gun is pointing at their head, and the website is completely useless. They know exactly what they're doing, and do not feel bad one bit. I will keep looking for a lawsuit against these people even after I get these m---fers squared away. POS, predatory, laundering company. Never again, SleezyPay. Never a-f---ing-gain.