I am extremely satisfied with the service I received. After several months of searching, I encountered multiple lenders offering interest rates ranging from 15% to 29%, with a few around 11% and 12%, plus hefty origination fees averaging $3500. My existing loan of $28,000 (which I wanted to refinance with a monthly payment of $1006) was just over 15% with an APR of 18.4. I was about to give up until I received an email from a financial service promoting this bank. I had never heard of them before. The process was seamless; I don’t recall needing to upload any work-related documents, though they did request access to my bank account, which I hesitantly provided since everything seemed legitimate. I encountered a minor issue with the facial recognition feature, likely due to my phone, but customer support resolved it quickly. Within three days, I received $33,000 in my account at a straightforward interest rate of 10.49% with no origination fee. My new monthly payment is $619.47. With a credit score of about 718 and an annual income of $73,500, I find it baffling why others have left negative reviews. I've interacted with three customer service representatives, and all were knowledgeable and helpful.
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