EasyPay Finance Avis 

I called and spoke with a easy pay representative by the name of Luis he helped me very professionally, and was very courteous and respectful in the matter of resolving my debt with easy pay which I I appreciated tremendously and look forward to my next business transaction with this company thank you Luis for all your help…

Sincerely Marcus Morrow

Easypay finance was the loan company that I got a loan to pay off an auto repair. I've been doing my best to make my payments online, as well as making an auto payment system in place so I wouldn't have to be late on my payments. The system wasn't automatically making the payment withdrawals from my checking I noticed, so I've been attempting to make the payments manually. And for some reason the payments would bounce when I would make payments. I've called easypay finance about it and they had reassured me the promotional period where I wouldn't face any interest or penalty fees would happen.

So today on July 26th, I called easypay finance to make sure that the payments I've attempted to make would go through, they're basically communicating to me in a confusing manor that simply wasn't clear to me, and on top of that my promotional period ended as a result despite speaking them earlier in the month a about it not being the issue. And as I was talking to them, on their phone app they changed the initial Balance to a new balance which includes a lot of interest fees and I don't understand why, and when I attempted to ask they would not making their explanation clear to me. I don't know what to do.

I feel like easypay finance purposely made things confusing, made their phone app inoperable, delaying the process of payments in order to scam people into messing up somehow.

I really need some help with this situation. But as of now I recommend against anyone using this service.

I've also contacted the better business bureau and consumer finance protection bureau.

I know that maybe essypay finance might respond here and apologize for the inconvenience, and they will attach an email for customer service as well as a phone number, but I know they won't help because this is how they make their money. So I just wanted to leave this here so if anyone wants to look up reviews on the internet, I hope my review shows up and it'll keep people away from doing business with them.

Paid in full on due date during promotional period. Returned my payment by telling me that I chose my bank account and not my credit card. Which I did not. Charged me an extra $350 to pay off in full 4 days later. Will be reporting and disputing this payment with BBB. They do nothing but lie and try to make it so you can’t pay them.

The agent was very nice and professional especially when I realized the promotion was over...he patiently explained that it began as soon as the financing was established. Then proceeded to share how to quickly get it paid off with very little finance charges.

Ms L was very polite and helped me get my account situated. Give her a Raise.

I was looking at my balance and was curious to see what I am incurring daily so I reached out via e-mail.
Naturally I asked how the 90 day rebate is processed/refunded.
They said I don't qualify because of a "Returned payment" which was not processed on their own fault. For whatever reason, they did not process the payment and say I no longer qualify for the 90 day rebate....

I will be disputing this. The same amount was processed the same day. Makes no sense.

This company is no good. I called to say I wanted to pay within the 3 months and the girl told me ok just pay by the 3 months and it will be fine. She didn't tell me I had to set up a schedule. Then I look at the account and they're taking money every 2 weeks and say I'm disqualified because of a return payment. I spoke to a manager who didn't want to believe the receptionist told me just pay in the 3 months and nothing else. They gave me.wrong information, probably purposely, and won't do anything to help. Why would I pay all that interest for $400. Bad business

I was able to get financed even though the finance charges are high I will have paid off within the 90 days. The process was fast the people were friendly.

Great experience overall! Helped me get the funds needed to get me back up and running. Simple process, great customer service and thorough explanation. 90-days same as cash guarantee is awesome! Thank you! You guys are great!

I will start off by saying this is probably one of the worst services I've ever used. I don't even really know where to start, well the interest rate which is over 150% (that has to be illegal somehow). So even if you miss one payment your back to where you started 2 weeks before. Even if you pay on time the interest rates almost literally cuts your payment down in half which makes it look like you barely paid anything. Also the other BIGGEST problem I have with them is that you have no way to contact them. What i mean is that they've sent me emails about discussing my account, and they'd list a phone number in the email and of course their phone numbers DO NOT work. You can try and call the number and it'll give you 3 beeps and hang up. I've actually tried every number that's even listed on their website and NONE of them work. Even when you send emails to them they don't respond, and it almost seems like they do deliberately so you have no way to talk with them. So Easypay Finance team if you are seeing this review, then please respond to my emails, email me, or call my cell because I CANT CALL YOU. ALSO BE PREPARED FOR THE CLASS ACTION COMIN YOUR WAY IM ALREADY BUILDING A CASE. And you better not respond with saying oh sorry for the frustration contact us by email because your company doesn't even respond to emails. I'm done with the games. (P.S.- Id give zero stars if i could.)

Everything went very smoothly with getting my loan at a time when I really needed it
Thanks again

I had no problem with this company. You must pay off in 90 days. If you took the time to read the contract, you would realize the interest is 3 times the amount if not paid in 90 days

Easy pay is a scam their customer service reps hang up on clients and have done so multiple times They do everything in their power not to accept full pay offs before the no interest due date and they are rude while doing so. They will literally hang up on you while trying to pay so they can charge interest and their website rarely works. And I know they are going to copy and paste their negative review response and then not help as they have done to countless others. Their replies are so unprofessional it seems as if they have 14 years olds on their payroll.

If I could give them a negative star, I would! Foremost, customer service is beyond rude. I have submitted all payments on time and early. I submitted the final payment way before the due date, with my bank account as the default payment. They did not charge it through the bank account. Instead, they charged my card and then "declined" it. I contacted them, and they asked me to provide a screenshot of my bank account, which I did. She said that since the card was declined, I have to pay an additional $500 because the rebate is dishonored due to the card being declined, even though I did not select the card for this payment.

SCAM. Their 90-day no-interest is a scam. I financed a scooter, attempted to pay it all off at once. They returned my payment (though I had the full amount), and when I called to rectify the issue they said that since the payment had been returned, they could cancel the 90-day no interest agreement and charge full interest even if I made a payment moments later. SCAM.

Total rip off. After 7 payments of $60 my balance went down $59. My first 2 $60 payments didn't take ANYTHING off my balance! If u know a loan sark I would ask them before this place itd prbly be cheaper. Never again. Only reason it got 2 stars n not 1 is that they did accept me despite my credit not being the greatest.

I have never had so many issues trying to simply pay off an account in my life. I knew better than to go past 90 days because you’re not getting me for 133% interest. I don’t even see how that is even legal but I went in eyes open because I knew I’d pay it off long before then and didn’t want to go in my account to make one large payment; however, after going through all this- I should have pulled the 3K out and paid that way. All these headaches incurred doing “business” with DUVERA were NOT worth it.

Since using them, I’ve had login issues, unauthorized payments taken from my account, my “due date changed” for attempting to make a payoff, AND almost lost my rebate due to it, because they took the payment & found out the bank used, doesn’t do business with them (hmmmm wonder why???)… so the funds had to go back AND on top of all of that I’ve spent well over 8 hours combined JUST in ON hold-time trying to resolve these and other account issues messing with these people.

The customer call wait times are astronomical… 45 minutes plus & the call back system doesn’t work. It calls & hangs up immediately; so you’re stuck waiting another 45 minutes. To MAYBE- if they don’t hang up or throw you back in the queue- to talk to someone for 3. DO NOT WASTE YOUR TIME CALLING IF YOU DON’T HAVE 2-3 HOURS TO WASTE.

They clearly TARGET consumers via shops who thrive on large sales… clearly for who “need” to finance & I’m assuming at least 75% of them do not make the 90-day rebate payoff time- so they make insane money off of interest for sure. This experience alone is enough to say STAY AWAY and just save your money unless you want your blood pressure ran TF up.

Once you do pay these scammers off ensure you TELL THEM to turn off auto pay, remove your banking information from their system because you cannot manually do it- as their website is trash…and REQUEST a payoff letter be mailed to your home and emailed to you as well. They’re that kind of scammy. Pi$$ poor. BUYER BEWARE!

This review was posted on Feb. 2, 2022… they just now responding with the cut and paste response of “contact us” 5 MONTHS later… what a joke. For what??? I washed my hands of your scammy operation MONTHS ago.

PLEASE READ FINE PRINT WHEN SIGNING ON WITH THEM!! If I never called them I would have never knew my 90 days is about to be up in 5 days and still have a balance of $452. I am struggling already as it is and now & I have to pay them damn near $500 out of my check that is only $900 this Friday. I had plans to get my broken windshield fixed that I haven't been able to afford for over a month now. This is ridiculous! And a MAJOR INCONVENIENCE! And it's the holidays!!! This makes no sense at all we're in the middle of a pandemic and people arent working like they used to. Why would you guys make my loan for 12 months $74. You guys could of made it $150 for 90 days and it would been paid off but yall want the extra money obviously. You knew I wouldn't be able to pay the full thing off in 3 months. Yall gave me a 12 MONTH LOAN THAT SHOULD OF ONLY BEEN 3 MONTHS!!! These people are crafty they know people aren't really reading the fine print so they are taking advantage. I should have been paying extra all along. I did just get off the phone with a manager though and he did help me he did give me a 30 day grace period. That helps a whole lot!

Very dissatisfied. I was one day late for the 90 days same as cash payment and a grace period could not be given to me. I was ready to pay off the $700 remaining balance that day but the customer service representative said they couldn’t allow a grace period.

In comparison, Snap finance offers three days grace period after the 90 days same as cash promotional date.

Also, it takes well over 40 minutes to get a representative on the phone. I’ll never use this company again and I’ll submit my review online for others to see.

this company is a fake! they are chargeing me insufficient funds when there was way more there than they where scheduled to take. called immediately afer getting the text. there where 316 yes three hundred sixteen calls ahead of mine.(red flag #1) scheduled a call back.still waiting on that call(red flag#2). called again the nextday. 103 callers in front of me. i emailed and still havent heard back from that either. this company is in it for all the fees! i didnt see all the fees at first. dont use this company,
i been trying to rebuild my credit and these moth3rf$@#*s are ruineing it. PLEASE BEWARE