easyfinancial Reviews

easyfinancial regrets any dissatisfaction you may have encountered with our services. We acknowledge your concerns about the interest rates and the remaining balance of your loan. For clarification, our unsecured loan interest rates range from 29.99% to 46.96%. These rates are influenced by various factors, including credit history and income, which explains why applying for a loan increase might not always result in a reduced interest rate. It's important to note that our personal loans are flexible, allowing for early repayment at any point. You also have the option to make additional payments, which can lessen the interest accrued and potentially shorten the loan term; this means you're not obligated to maintain the loan until its original due date. Typically, a larger portion of the payments goes towards interest and additional services early on in the loan term, with a smaller proportion applied to the principal. As time progresses, as the principal decreases, the amount of interest paid will also decrease. By making extra payments, you can further reduce the interest that accumulates. However, be aware that missed payments or changes to your loan terms can affect the total cost of borrowing. easyfinancials' intentions are to help and support our customer when in need and if the customer would like to discuss this further, feel free to reach out to easyfinancials customer service at 1.888.502.3279, Mon-Fri: 8 am to 8 pm and Sat-Sun: 10 am - 6:30 pm EST.

Thank you for your feedback. We strive to ensure transparency by breaking down the policy for the loan agreement. I have reviewed your account and attached the post transaction history and the letter of direction for your reference. The post transaction history provides a breakdown of the payments made from the time you initially took out the loan until you received the increase. Notably, the payment on November 7th, 2024, was withdrawn at the same time the loan increase was completed. After this transaction, the remaining balance on the original loan was $445.87. As outlined in the letter of direction, it specifies the amount carried over, the service charge, and the amount initiated for the loan increase. If you have any further questions or concerns, please don't hesitate to contact me at 1-888-502-3279.