Review Time
Claims Military grade security and Bank level serversThey'll send you a 'secure' form to input your SIN, and then email it around in plain textThey do the same with your ID, with a fake encryption process displayed on screen.This company charges well beyond the criminal usury limit between interest and fees. As of Jan 1, 2025 the criminal rate is 35% and its clearly stated it doesn't matter who the fees or interest get paid to.Will be contacting the RCMP about this company.
GoLoans has received caution alerts from customers and review companies . my experience with them (2025) has been as many customers have given in canada (2025). i have just received an email fromonyx-zip (email contact ) that my application was cancelled after very long wait because i never answered their emails or sent in their requests. not true..be careful with GoLoan. do not recommend. improvement needed there.
You can’t ever get a hold of these people, they keep those phones off so it goes to voicemail and don’t answer the phone a loan application that should have taken 5 hours as I’m a repeat client took over 48, no answers from the team at all even after escalation… they will harass you over and over to renew and as soon as you go to take thier sweet time with no regard for anyone else’s, they charge too much, harass you even after you’ve asked them multiple to times to stop. Don’t bother trying to get a hold of these people cause you never will and no one ever calls back their customer service is non existent you’d be better off dealing with ai
Aside from the substantial amount of money that you will need to pay if they charge you with their "guarantor fees" for a 200$ loan you will pay about 150 on top of that for these fees. I have had 1 previous loan out of desperation with them and had paid in full including the extra fees and interest. They are sharks, I am actually going into more debt since getting my second loan with them, technically I have paid the loan and interest but not the ridiculous guarantor fees. I missed a payment and had let them know before it was to go through as to why. I am now just days later receiving threating emails and text messages. exact words " Pay now or your references and employer will be contacted, and your account will be flagged with financial institutions" that's just one of them. In the meantime I have already paid them an additional 135$ on top of the guarantor fees as I needed to make a payment plan. I am really just shocked at these "sharks" once this loan is paid I will never ever be associated with them again.
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