Perch loans and advance america has… Perch loans and advance america has always came through for me. I understand that the interest rates can be on the higher side, but these loans are truthfully meant if you need an approval fast and money fast. If you want to avoid the interest charges pay off quicker! That is what I always do . I was able to pay of some small balance credit cards to help my score back up. The ironic part although they don't report good payment history to the credit bureaus it works out for me because now it shows I don't have any debt when I did pay those credit cards. Sometimes having too many loans can reflect negative on your credit report which is why I chose this loan so that I could pay off my credit cards and then pay this loan off with my next few paycheck, because again I make bigger payments and pay off quickly.

Perch loans taking unauthorized payments from my account I took out a loan with Perch with ACH withdrawals. In July, 2021 they took a payment three days ahead of scheduled date, overdrafting my account. I called and after about 5 calls trying to fix the issue and getting a refund of my costs due to the overdraft; they made the adjustments but put my account in collections even though I was current on my payments. Phone calls did not work. I could not speak to the agent who fixed the OD problem. Usually I could not get an answer at all, usually hanging up after 15+ minutes. I tried to make regular payments, but many months I was not able to open my online account. However, Perch would take out ACH payments randomly. I finally withdrew, in writing, my permission to use ACH June 7, 2022, telling the company I will make payments via debit card option on-line. I repeated that I was keeping a record ( I had filed a report with BBB after the July 2021 issue) and I needed to control the payments. I was not able to access my account on-line in June 2022, but on July 7, 2022 Perch again withdrew an ACH payment overdrafting my account. I insisted they take that charge off my balance, which they have not done. I was not able to access my online account, and I notified Perch that I would make debit card payments once they restored my on-line access. Today, they again took an ACH payment out. I will stop ACH access through my bank, which will cost me a fee. I have notified Perch that I expect them to deduct all my extra expenses, and I have insisted that I will make all subsequent payments via debit. This has been a very unsettling experience.

Great company I received an online offer from a company associated with Perch loans.They offered me an interest rate less than half of what I had paid at that business. I filled an application,was approved and had my money from Perch loans in less than 24 hours.very satisfied..thank you.

I applied for a loan (pre-approved) and… I applied for a loan (pre-approved) and everything seemed okay. The loan agreement in place, the payment schedule set and I am ready to sign and there is a message that my loan was being received and they would contact me shortly.5 days later, not a word. Bogus.

I can't reach anyone I can't reach anyone. I've been trying for over a week via phone, website, and email. Nothing. I guess I'll have to cancel any remaining payments to Perch Loans.