I was a returning customer, promise the cheaper rate, was not that much cheaper! It's sad that I have to go this route and use tribal loans at outrageous interest rates but fighting my cancer is killi... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
They came to the rescue when I had no way to make a payment due to a job change and so on, and I was waiting for my payments. Even if you have a bad credit score, these guys will help you and approve... See more
why do you have to charge 400% i was 720 credit and had something happen in my life. i'm so mad that i have had to get one of these loans. i get it on your side your making a killing but your not h... See more
Company replied
Very professional and money was in my bank within 15 mins before even getting off the phone w agent! Thank You!
Company details
About WithU Loans
Written by the company
W6LS, Inc. dba WithU Loans offers fast and easy access to installment loans up to $2,500 to help manage life's unexpected events. Our signature approach and streamlined technology matches you with on-demand loans that fit your unique need. Offering fast approvals, flexible terms and financial support made for the moment — we're WithU, every step of the way! Want to know what else makes us proud?
WithU Loans is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a federally-recognized Indian tribe. WithU Loans is licensed and regulated by the Otoe-Missouria Consumer Finance Regulatory Commission, which regulates all consumer financial services conducted from tribal land of the Otoe-Missouria Tribe of Indians. Revenue from WithU Loans funds tribal community programs including elder service, education, after school programs, improvements for housing and infrastructure, and public safety. We think that's pretty darn cool!
Contact info
8151 Hwy 177, 74651-0348, Red Rock, United States
- 866-404-0674
- customercare@withuloans.com
- withuloans.com
4.0
Great
11K reviews
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
I got a 900.00 loan and end up paying…rip off
I got a 900.00 loan and end up paying 3000.00 back a damn rip off So I call to see my pay off she say like 787.00. But if I wait until next month it would be 900.00 and something already done pay 1100.00 something
13 April 2026
Unprompted review
Reply from WithU Loans
Hi Georgia,
Thank you for your feedback. WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan were disclosed to you in accordance with the Truth in Lending Act and Regulation Z, before you signed the Loan Agreement. At WithU, we are committed to providing fast and easy access to cash for unexpected life events.
We regret that you’re unhappy with your experience with us. Should you have further questions, please do not hesitate to reach out to us at customercare@withuloans.com. Our team will be happy to address any concerns or questions you may have.
Best regards,
The WithU Team
Don’t trust anything they say
21 February 2026
Reply from WithU Loans
Hi Scott,
Thank you for sharing your thoughts. At WithU Loans, we are committed to providing fast and easy access to cash for unexpected life events. We’re sorry to hear you’re unhappy with your experience.
If you’d like to speak with us further about your experience, you can reach out to us at customercare@withuloans.com.
Best regards,
The WithU Loans Team
On January 1, 2026, the new law SB 825 became effective,
On January 1, 2026, the new law SB 825 became effective, This legislation was established for companies like WITHU, which appear to attract clients only to later reject them based on their credit report status.CCFPL investigates consumer complaints regarding financial service providers, such as WITHU, accused of engaging in unlawful, unfair, deceptive, or abusive practices, including the distribution of pre-approved letters and the assertion that the consumer's credit report was modified between the generation of the letter and its receipt by the consumer. They promote WithU Loans, which provides loans without a credit check, so making it attainable for individuals with suboptimal credit histories. Loan Amounts: WithU offers loans of up to $2,500 for eligible consumers.Funding: Funds may be credited to your account on the same business day.Customer Experience: Numerous customers indicate favorable experiences with the application process and customer service, emphasizing the efficiency and promptness of fund disbursement. Interest Rates: It is essential to note that WithU Loans may impose elevated interest rates relative to conventional lenders, necessitating careful consideration of the overall borrowing costs. This is irrespective of their licensing status.
On January 1, 2026, the new law SB 825 became effective, enhancing protections for consumers in California. Although some California businesses adhere to best practices and legal requirements, the DFPI observes rising trends that pose threats to customers in the Golden State, the world's fourth-largest economy. This legislation specifies that providers of consumer financial products and services, irrespective of their licensing status, fall under the DFPI’s jurisdiction to prohibit unlawful, unfair, misleading, or abusive activities or practices. This pertains to banks, mortgage lenders, escrow agents, brokers, and other companies regulated by CCFPL . The statute ensures equitable business operations and enables the DFPI to safeguard California customers from unlawful practices that waste time and resources, or potentially enable fraud and scams.
10 April 2026
Unprompted review
Reply from WithU Loans
Dear Deborah,
Thank you for your feedback. WithU Loans complies with applicable federal consumer lending law. We’re sorry you’re unhappy with your experience. If you have questions about your loan, please contact us at customercare@withuloans.com.
The WithU Loans Team
Good and friendly
24 November 2025
False advertisement!
False advertisement!! Just to run your credit!?!?! Really?!?!!!!
9 April 2026
Unprompted review
Reply from WithU Loans
Hi there,
Thank you for contacting WithU Loans. We welcome and appreciate feedback from our customers so that we can continue providing you with the financial products you need, when you need them.
WithU Loans adheres to the Truth in Lending Act which ensures our customers are informed about the terms, payment schedule, and cost of their loans before signing a Loan Agreement.
If you have any concerns or questions about your experience with WithU, please contact customercare@withuloans.com.
Best regards,
The WithU Loans Team
Scam company
Scam company. Borrowed $2000 now paying back $7000 they on some predator shit. Be careful read the fine thin lines
8 April 2026
Unprompted review
Reply from WithU Loans
Hi Vincent,
Thank you for your comments and feedback. WithU Loans provides fast and convenient access to loans when you need them, or to help you navigate any unexpected events.
In accordance with the Truth in Lending Act, we provide the terms, payment schedule, and cost of a loan before the Loan Agreement is signed.
We regret that you are not completely satisfied with your loan experience. Please note that you may cancel auto-pay at any time and we also encourage all customers to pay off their loan as quickly as possible to save on interest. We never charge prepayment penalty fees. If you have any further questions, please reach out to customercare@withuloans.com for assistance, and it will be our pleasure to assist you.
Best regards,
The WithU Loans Team
Reply from WithU Loans
Hi Dylan,
Thank you for your feedback. WithU Loans provides customers with interest-bearing installment loans and the terms, payment schedule, and cost of the loan were disclosed to you in accordance with the Truth in Lending Act and Regulation Z, before you signed the Loan Agreement. At WithU, we are committed to providing fast and easy access to cash for unexpected life events.
We regret that you’re unhappy with your experience with us. Should you have further questions, please do not hesitate to reach out to us at customercare@withuloans.com. Our team will be happy to address any concerns or questions you may have.
Best regards,
The WithU Team
Reply from WithU Loans
Hi Shirley,
Thank you for your comments and feedback. WithU Loans provides fast and convenient access to loans when you need them, or to help you navigate any unexpected events.
In accordance with the Truth in Lending Act, we provide the terms, payment schedule, and cost of a loan before the Loan Agreement is signed.
We regret that you are not completely satisfied with your loan experience. Please keep in mind that we do not charge prepayment penalties and you may pay off your loan at any time to save on interest. If you need further assistance, please contact us at customercare@withuloans.com.
Best regards,
The WithU Loans Team
With the payments were monthly instead…
With the payments were monthly instead of biweekly
6 February 2026
Apr can be over 500%
Apr can be over 500%
They won't stop sending me flyers. I called in and they wouldn't give me any information at all without putting an entire application in and providing all my info and banking info. (Should have known) Then he asks how I want my money and tries to read fast over the disclosures. I did the basic quick math and said what that doesn't seem right. The apr was over 500%.
1 April 2026
Unprompted review
Reply from WithU Loans
Hi Keith,
Thank you for your feedback. WithU Loans is committed to transparency and providing fast access to loans during unexpected events. We provide our customers with the loans they want and need. We adhere to the Truth in Lending Act, providing our customers with the terms, payment schedule, and cost of their loans before signing a Loan Agreement.
Please reach out to customercare@withuloans.com with any questions or concerns about your loan experience.
Best regards,
The WithU Loans Team
Annual APR almost 500%
Annual APR almost 500%, $6,000 finance charge on a $1,600 loan with a $600 month payment. Completely acinine and a delusional company.
30 March 2026
Unprompted review
Reply from WithU Loans
Hi Allyssa,
Thank you for your feedback. WithU Loans provides customers with interest-bearing installment loans and terms, payment schedule, and cost of the loan are disclosed in accordance with the Truth in Lending Act (“TILA”). At WithU, we are committed to providing fast and easy access to cash for unexpected life events.
Should you have further questions, please do not hesitate to reach out to us at customercare@withuloans.com. Our team will be happy to assist you.
Best regards,
The WithU Loans Team
Always there when i need the money
7 February 2026
excellent correspondence and thorough…
excellent correspondence and thorough explanation of guidelines AAAA++++
18 February 2026
I still haven’t received my check in…
I still haven’t received my check in the mail. They have already taken one payment out.
4 March 2026
Reply from WithU Loans
Dear Aaron,
Thank you for taking the time to voice your concerns. WithU Loans’ highest priority is to offer efficient access to cash, especially when you need it most.
We regret to hear that you weren’t able to receive your funds in the time you expected. If you still have not received your funds, please call us at 866-404-0674.
Warm regards,
The WithU Loans Team
You guys send me promotional info
You guys send me promotional info, with codes! Then I apply, then you refuse the loan! That’s because you are unprofessional, and no one has ever heard of you anyways! Lose my info, take me off your “you guys are pests” list! DO NOT send me anymore mail!
23 June 2025
Reply from WithU Loans
Dear Catherine,
Thank you for your feedback. If you would like a statement of specific reasons for the outcome of your application, please contact Customer Support at customercare@withuloans.com. We will provide you with the statement of reasons within 30 days after receiving your request.
We’re sorry to hear you’re unhappy with your experience. Should you have further questions, please do not hesitate to reach out to us. Our team will be happy to address any concerns or questions you may have.
Best regards,
The WithU Team
Preapproved oan
10 September 2025
Reply from WithU Loans
Hi Jessica,
We appreciate you sharing your feedback and we’re happy we could help.
Thanks,
The WithU Loans Team
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.