Apply2SaveNow.com Review: Too Many Consumer Complaints – Updated October 27, 2021
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Apply2SaveNow.com offers a range of financial products including unsecured personal loans ranging from $ 1,000 to $ 100,000. You can use these loans for a variety of purposes, from debt consolidation and home improvement to education or special occasions. These loans are especially useful when you are struggling with unsecured debt and you want to restructure that debt to get more favorable terms. This company has affiliations with Simple Path Financial.
Apply2SaveNow.com complaints about Yelp
Simple Path Financial has a nondescript record, according to Yelp, a leading social networking and customer reviews website. They have 1.5 stars out of 5. Some of the recent complaints are listed below:
Nancee L., Los Angeles, California – – September 22nd, 2020
OMG – SCAM ALERT
They send you a mailer saying that you are approved for a debt consolidation loan. When you call to discuss, they are trying to drive you into a debt relief scam that could ruin your creditworthiness. If you decline the offer, you will be referred to a lending company who will charge a 10% fee just to initiate the loan. FRAUD!!!
What a waste of time!
Patricia C., Newark, DE – – June 29, 2020
If I could give less than one star, I would â¦â¦. Get out of the scam of âSimple Pathâ SHRED SHRED SHRED your * preselected listings as soon as possible because all you are is a name on a list !
Jakob R., Newbane, VT – – May 3, 2020
Predators. They actually want you to default on your credits / cards and once you default they come in and negotiate with my creditors. I wasn’t late or arrears on any of my accounts (I was looking for a lower payment) but they wanted me to stop paying on them and they wanted to step in and negotiate lower payments (and they are taking their part).
Hmmmmmâ¦ .I’m sure if I actually get into this situation, I can negotiate myself.
I turned them down a few months ago, but I just got a voicemail from them ….. they are praying for the people now that we have Covid-19
Sheryl T., Grenada Hills, California – – December 16, 2019
CHEATER!!!! FRAUDENT PERSONS !!!!
Stay away from them !! I know God protected me when things didn’t work out !!!
Max O., Campbell, California – – April 17, 2019
If you are serious about debt management, I strongly advise against opting for Simple Path. Check out the many reviews that say Simple Path ruined their creditworthiness and put them in debt more than before. Absolutely not worth it and definitely not the easy solution they are going to try to tell you it’s on the phone. I’m glad I had enough expertise to ask the right questions because I feel like I’ve dodged a bullet.
Keith W., Garden City, MI – – December 11, 2019
I’m only posting this because they keep sending me papers to shred! persons, Please take a look at the interest rate before submitting your SSN! Your rate goes up to 35.36%. Yes, I wrote that correctly! Any company that is constantly spamming your mailbox with ads is desperate for help, just trying to take advantage of those in need. Please take a look at the pricing and there are companies out there out there that will give you the help you are looking for. Companies like this are pathetic bastards sent by Satan.
Christina R., Salida, California – – November 21, 2019
I almost agree everyone else here. You are a cheater. I also received one of these âpre-approvedâ notices and was looking for a loan to repay it all my direct debit and have 1 payment. Like everyone else, I was not eligible for a personal loan, but I was eligible for debt consolidation.
Kevin S. – – July 25, 2019
Nothing but a scam to rip everyone off. STAY AWAY FROM THIS COMPANY, I have a 99% payment history. Make 150,000 a year. they couldn’t help me. most likely they won’t can help you too.
Apply2SaveNow.com a / k / a Easy way of finance operates a website at www.spfsaves.com.
- Use your loan for a variety of purposes beyond debt consolidation
- More than 300,000 satisfied customers
- Getting loans relatively easy
- Too many consumer complaints.
- The companies may try to sell you on other, more expensive debt
- Some representatives are quite pushy
Apply2SaveNow.com is a company affiliated with Easy way of finance. In addition to many other financial products, SPF offers unsecured loans for a variety of purposes.
Loans start at $ 100 and you can borrow up to $ 100,000 on the high end.
If student debt is a source of your financial struggle, Apply2SaveNow.com can help refinance your student loans.
If none of these solutions are attractive, the company can refer you to debt settlement companies if you prefer debt relief to additional credit.
How does Apply2SaveNow work?
Apply2SaveNow is not as transparent as some companies with regard to their qualification criteria.
On the website they state that their loans without the “common hurdles for traditional loan providersâAlthough no further information is given. There is no set minimum credit score, so speak to the company to see if your credit score is strong enough to consider a consolidation loan.
- Estimated APR: 7.99% and up
- Credit terms: 2 to 5 years
- Loan amount: $ 1,000 to $ 100,000
- Minimum Credit Score: N / A
- Minimum DTI ratio: N / A
- Middle: For almost any purpose
- Available funds: In 24 to 48 hours
- Customer service: Telephone and email
How much does it cost to use? Apply2SaveNow?
Apply2SaveNow states that there is sometimes an origination fee of 1-5%. This is deducted from the loan, so you don’t pay anything out of pocket. The fee depends on your country of residence and credit level.
The stated interest rates are attractive enough at 7.99%, but the APR can in many cases be significantly higher. You will need to speak to a Simple Path Financial representative for more specific costs.
What could you save on? Apply2SaveNow.com?
How much you save by restructuring your loans depends entirely on the amount of your debt, the interest rates you have to pay and how much you can reduce by borrowing on more favorable terms.
If you’re struggling to meet your monthly obligations, reducing monthly payments and eliminating late payment fees could be just what you need to balance yourself financially.
How to log in with Apply2SaveNow
You can also apply online, but calling the company will help address your concerns. You will also learn more about requirements and expected interest rates.
You now have to wait until Simple Path Financial can find you a suitable loan.
Once you’ve agreed the terms, you’ll need to sign forms and provide identification along with proof of income.
You don’t pay any out-of-pocket fees at all. Most loans are on the rise an emergence Fee ranging from 1% to 5% of the loan amount. This is deducted from the loan proceeds, so you don’t pay anything upfront.
It’s hard to get an idea of ââthe APR beyond the minimum stated. Not much customer feedback describes exact interest rates. The same lack of transparency can also be seen in the qualification criteria. Apply2SaveNow Alludes to a simple application process, but there is no mandatory minimum credit score.
Based on our Due diligence, we just can’t recommend it Apply2SaveNow.
Compare Apply2SaveNow to Best Debt Consolidation Reviews of 2021
Apply2SaveNow provides personal loans, business loans, mortgages, student loans, and debt settlement services. The company just has too many consumer complaints for us to recommend to our readers.