Notchup Reviews 27

This company can not be trusted
A) there website doesn't even work after you connect your bank
B) they have no customer service, it's a complete lie.
C) they are doing sketchy stuff if my bank account is approved through Plaid yet no option to get a loan after approval.

I’ve tried multiple times to get a loan for even just $50-$100 and yes I’ll get approved, but the second I go to connect my bank it doesn’t proceed any further, I get the notification from my bank that I’m “Logging in on another device” which is what I’m supposed to see, I click allow, I go back to continue withdrawing my funds and it just doesn’t do anything, it stays there either trying to connect my bank or what I can assume they’re just trying to get all my bank information without even giving me any money. Sketchy as hell.

Do not waste your time with NotchUp. I provided required bank online verification to verify my income, handing over sensitive financial data under the impression that I was approved. However, their review system is completely unreliable. After an initial approval last April and has autodebit my first payment, my loan on the next month was suddenly denied and revoked upon reapplication without any clear or valid explanation.It feels like a total bait-and-switch. They get access to your personal financial history, and then pull the rug out from under you when you actually need the funds. If you are in a tight spot and need a dependable service, TryBREE it saves life million times. NotchUp cannot be trusted to follow through on their approvals.

First two loans no problem. Paid back in full and now being denied and trying to offer me a notup build which you pay for 12 months and then supposedly get the money after the year. No thank you! They tried telling me its because of income and transactions meanwhile nothing changed! My income is direct deposit and actually got paid more last couple of pays! Does not make sense! No more Notchup! Bye bye!

If I could I’d have given them zero stars. I used them because I needed them, and would have continued to use them if they hadn’t of taken 2 full payments on the same day, for the same loan. Yes I owed them for one of those, not 2!! This was on May 19, 2026 and at first they were messaging me back.. but for the last 48 hours, they’ve actually been ghosting me!! Funny, they’re quick to message back any other time!! Sooooo frustrating!! If you have other options, I’d stay far away if I were you!

Same income, same paydates, even pay off loans early, go to reapply and they deny me after 4 previous loans?????? Go figure. What a joke. Had i known i definitely wouldnt have paid off my loan early. This site is a joke man. They definitely know nothing about consistency. My advice...... NOT WORTH THE HEADACHE

I recieved a email from NotchUp finacial for a etransfer .

I emailed them and said this was fraud as I havr no loan with them . They then went into my account unlawfully with the intention of committing fraud and withdrew 114.00.

They have been reported for fraud and unauthorized withdrawal of funds .

I will be reimbursed and a investigation is in process

Worst service ever! 15 min loans, lmao! Try days of waiting to even sign agreement, then more days to get the money, if you even get it.

Do not waste your time if you’re looking for a quick loan. There is absolutely no customer service. The number is automated and doesn’t know anything.

If I could give zero stars, I most definitely would.

Plenty errors message after 5 loans same income .... renewal is bugged it wont loan and o ly give error message.(We are attempting to assess your eligibility. Please check that all bank connections are reconnected and refreshed below)... I think its scam they just send me a contract where I pay them 1089$ without getting any loan for 2 years... I taught I liked them for being g quick 24/7 that they would get a 5/5 stars google review but since they are not awnsering me and only sending g error message and strange non sence illegal contract they have the worst feedback I ever left in here.

Awful. Gave me 3 loans all paid on time. Now I dont qualify.. 2 loans with the income I have no no issues this time theres a issue. Do not recommend.

I got approved last month. My loan got paid back. Now, it says I'm not eligible for a loan. I asked why and got the same automated response from the A.I that emails you ( I don't think they are even real people). Waste of time and frustrating

Well I’m definitely not impressed with this company. I applied 4 days ago, I was getting responses quickly. It took a whole 24 hrs or more just to get documentation sent for signatures.. and now… I’m still waiting for funds to be deposited I’m gettimg no response I’m trying to revoke the documents because now im not feel good about this transaction.. VERY POOR CUSTOMER SERVICE.. so I received a email after multiple emails sent requesting to revoke my agreement due to lack of communication. I logged into my account and saw that there is a pending payment issued for the 8th of May. I didn’t even receive the payment for that to even be pending. (??) just a all bad experience from this place. Not even a manger will contact me. A 15 min $75 loan turned into no moneys and 5 days later with a pending owing amount now.. like how can this even happen???

I used this app as it was recommended like Bree or Nyble. Also, I had loaned a small amount. Repaid on time. To find out that I would not be allowed to re-loan again because of my credit score ? I was told by a representative threw email. The hiccups with connecting my tangerine account just to verify it went threw was alot of hoops to jump threw for a measley $50.00

I wouldn't recommend this company.

Okay, I’ve read all the 1 star reviews and I personally being on ODSP, and with a bad credit report, don't see any issues. I have been approved 3+ times no issue, no way you’ll be approved $1500 in the first run, I mean you start at $200 then move up to $300 next month, and then $500 next month etc etc until you build trust which I think is completely fair. Just pay your bills man. Yes I am sure there are “quicker” options out there, but waiting overnight is no big deal cause your sleeping anyways, then you wake up, sign your document in the morning, and you get an e transfer in 30 minutes to maybe a couple hours tops.

I have had 8 loans with this company and up until the last month, I had no issues. 2 weeks ago after paying my loan in full and re- applying for an advance was told that since my new bank account only showed the last 3 pay periods that my loan could not be granted, this is despite providing months of bank statements and paystubs to prove my employer had not changed they wouldn't budge. I was told to wait until today when my pay gets deposited and I would have 4 payroll deposits. I waited, applied today and was told that even though I connected my bank and it shows my payroll deposited, the system won't recognize it until tomorrow, denied the loan again and asked if I reapplied tomorrow if we could get the loan process started and was told there's a mandatory 7 day wait period between applying. This had not happened with the past 8 loans I had obtained and now its an issue? I had not missed a payment, all loans paid in early and in full, great repayment record and I can't reloan. I feel like someone dropped the ball and/or somethings not adding up. I keep getting recommended for their wealth program, absolutely not, I requested an advance not that program.
It's been difficult getting a hold of any one that works there, can't find a phone number to call and emails are only answered sometimes. Save yourself the hassle and apply somewheres else, this company does not care if you have a great payment track record and paid all your loans in full and some early. They lost me as a customer over this and the lack of replies/ help. Absolutely unacceptable Customer Service in today's over saturated loan advance market. Trust the reviews on this company, they all ring true. Shame on you Notch up!

Don’t waste your time. If you have bad credit or low income they will pre conditionally approve you. After you connect your bank account, they will say you’re declined and approve you for NotchupBuild, which is the same thing EasyFinancial does. Act like they will provide loans, and then after connecting your account, will deny you. Their website is filled with lies

Don’t trust these guys, They will try and pull a fast one on you and entrap you in a 12 month pay cycle where you get nothing but money taken from you aka build loan.

Just a waste of time and information stealing company imo.

Nothing takes 15 minutes with this company.

Its been literally over 7 hours and counting.

My bank account is connected, received an email saying I was approved didnt say how much and they need me to sign a document that would come after this email which never did come. Whoever runs this company has single digit iq.

Their timeline is less than accurate, takes hours to days to get approved not 15 min and getting a response half the time is like pulling teeth and they ignore half your messages and only respond to what they choose to respond to. They do loans on basically all income types but their customer service is absolutely shit!

Got approved. Paid back early and then not approved. ? For another one. Says try back. Why are people who pay back in full and early not allowed to reloan. What a joke. Seems like lots of people are giving low scores. Do not use this company.