Celtic Bank Reviews

Someone used my card to purchase 2 Delta airline tickets, stayed at the Hilton in Florida and California, used a limo, used Uber Eats totaling 3500. Celtic said, "We'll fix it. Don't make a payment." I said, "I won't. I don't owe one." 2 years later a sheriff knocks on my door and serves me with a lawsuit. I'm going to have to get an attorney. I'm 75 and disabled. I've never flown or been to either state. So yes people stay away from this company. Can't find no stars.

I have been trying to cancel my credit card issued by Square for almost 6 months. No response so far. This rating also applies to Square, as they are the ones who offered me the credit card. Stay away from Celtic, and Square. Both companies have provided me with terrible support services.

They are owners for Earnirva, Destiny and Indigo credit cards. They charge annual fees ($49+), alongside a monthly fee ($19+) plus interest. The fees and and interest seem high for even a subprime Lender. After losing my 742 FICO and needing some credit cards, I went through them for 1 business card and 2 personal cards. Its not bad, but the rates are high. If you missed a payment by even 1 day late, the fee is normally higher than the interest. Also, they did not send notice for the annual fee. No text or push notifications, cant find an email. Its almost like they want to slip it into the bill without you knowing, so they can get over limit fees, extra interest, etc.

So many European hotels, taxi, trips use Celtic Bank to pay the bill (credit card) are often denied. There is no reason to deny as there is available credit. Some will partially go through but need a verification code, sent to text email on file, but the majority of these codes never arrive. They are losing out on legitimate purchases due to AI-related "credit card fraud", with are 99% incorrect. I usually have to back out due to frustration and use a different hotel/trip company. Very disappointed.

Had payments taken out each month for my surge payment., guess I was wrong. Received letter dated Sept. 15, 2025, but just got it today, want to take me to court for nonpayment of $1166.61 (which I don't have, due to being disabled, work hours cut down to 9 hours. If they had just emailed me about not getting my payments, I would gladly worked out some arrangements with them, but they didn't. I don't want to go to court, I just want to talk with them and settle this less stress.

Paid off under protest. I was a personal guarantor on an SBA-guaranteed loan serviced by Celtic Bank. After my co-guarantor (my father) passed away I tried to work with them to pay off the loan. Collections told me my OIC was “submitted” and that during the shutdown they wouldn’t move on collections, even though fees would keep accruing.

I had an exceptionally disappointing experience with Celtic Bank. I provided all requested documentation starting in August, yet I was repeatedly asked for the same documents over and over again. I exchanged 57 back-and-forth emails with Cory ** and 44 back-and-forth messages with Solyne **. Despite this extensive communication, the process went nowhere. Each time I asked when the review or closing process would end, I was told “tomorrow” or “the next day.” That never happened.

I went through AFFIRM. They have a deal with Celtic Bank who hides in the background. Had to go through my statement to find this breakdown. I thought I was paying 0% but it's 35 percent.. On top of that they pound you if you're day late. Do not deal with these people. They go through Walmart Hotels.com. Lot of companies are using them but if you're going to pay 35% interest you might as well go to a local loan shark.

Celtic Bank is Bank used by Affirm. They will not allow the Affirm customer to select the merchants they want to use. Celtic will block the customer from using the same merchant but will approve loans that aren't getting many customers. After using Affirm for a few years, I notice I could get a loan from an unknown company to make sure could honor the contract drumming up business for them. I reported the issue to CFPB and FDIC they have block me from getting any other loans from Affirm. It is unethical and deceptive to push the customer to an unknown merchant vs allowing customers go to the company they trust. I have a excellent pay history and a loyal customer.

I gave 1 star because you can't leave less. This is a terrible bank to attempt to do business with. They want $5 To pay with a debit card, after reluctantly using their website to pay a payment, I am told that will take effect next month and they charged a $41 Late fee. You can't understand any of their customer service people, I don't know what country they outsource to. I was hung up on after being told it would be 2 hours hold to speak to a supervisor. Run. Don't walk away from this credit card called Surge. It took all day trying to work with their website and after submitting a payment, I find out it wasn't a payment and now they want an additional payment which would mean 2 payments for 1 month plus a $41 late fee. This is a very crooked bank with horrible customer service. WARNING ⚠️ DON'T USE THEM!!!@

Applying for the Mesa Homeowners Visa® Signature Preferred Credit Card through Celtic Bank proved to be a frustrating experience. Despite submitting multiple identity documents, including a naturalization certificate, passport, and driver's license, my application was repeatedly denied due to "unable to verify identity" or "information provided does not match application or external source(s)."

We are a business with a rather large SBA loan that we acquired through Celtic Bank. We would never go through them again. Their servicing department is terrible. We own several other businesses and have SBA loans through other banks and as soon as we can get out from Celtic, we will. I wish he had shopped around a little better at the time, but hindsight is 20/20. They have very poor customer service. Their portal and website are not user friendly, so you are constantly having to contact them with poor response from their team. There are plenty of other banks out there to obtain financing, go another route if you can. The other SBA loans we have are so much easier to work with. Choose wisely.

I recently received a notice that I was being sued by Celtic Bank for $1,900. I have never heard of this bank let alone borrow money. What kind of a scam is this company pulling. Celtic Bank doesn’t contact you directly. They use a debit collector. Please beware.

I received my first PPP Draw from Celtic Bank but was denied Draw 2 without any reason. A year later they file a claim against my Bank for the first loan. This has to be illegal you can't make a loan and then file a fraudulent claim a year later. The payback period has not even started. I got a legit loan for a current and still operating business. The loan was only $3,750. They have given out loans much higher to actual crooks. This ridiculous and not how you treat customers. I will be filing a complaint with the SBA as well.

Celtic Bank is terrific in obtaining your business. Once a “customer” expect days before a response, if any, and even longer for any action. You can expect emails from Executive Vice President, Special Assets and Loan Servicing that are in red bold lettering and stating things like “we are doing everything in our power to help accommodate your request (potentially)” & “However, you should know, there are no less than 45 other requests that came before yours." These were not statements made when we secured our relationship a number of years ago.

Matt ** and team are cons, bait and switch pros! They are like old school car dealers with non existing fees! Don't deliver. Ask for GOOD FAITH DEPOSITS? CONSTRUCTION MONITORING FEES AND ABOVE RATE INTEREST! and if you don't except they wait months to deny... BEWARE! BANK LEADERS DON'T RESPOND EITHER!

Our own bank USBANK blew it on our PPP application. We submitted applications they day it was announced. We gave them everything else they requested immediately since they already had most of our info as a banking client. I called every day with no update from them. Then the funds ran out. We thought we were done for. Then congress announced more money to help the smaller businesses like us.

After having 3 loans for online products and two motorcycle loans through them they now say I'm not creditworthy to them. I have not missed one payment on any loans and paid two off early. I was approved for a $830 loan a week ago and Now that we have this coronavirus I'm denied for any loan. Big banks I'm done with you all for the rest of my life. My money will go in a jar.

Celtic Bank works with Kabbage. They decided to pull funding and remove all credit lines right now, during the Covid-19 time. They are doing the opposite of what other financial institutions are doing, making it harder for businesses. I encourage everyone affected to contact their state Attorney General. Their behavior during this time is deplorable.

As a new business owner, I had many questions about the loan process as well as next steps. The staff at Celtic Bank were patient and gave advice to help me throughout the process. Lea J, my closing agent, was courteous and assisted me every step of the way. Thanks Lea, and thank you Celtic Bank!

Although Celcin (Commercial Loan Specialist) was very helpful and cordial, I was VERY disappointed in this bank. A complete WASTE of a month's time. I was told 2 times that we pre-qualified (we meet all of the necessary requirements), One for a $250k loan, then one for a $150k loan. They came back and told us the 250K was rejected but we qualified for a $150k loan. Then they came back and reject us for the $150k. My companies' assets exceed this amount and my personal credit rating was around 800. My personnel net worth is around 6 times greater than the requested amount. This just does NOT add up. I cannot help but wonder what the REAL reason was.

I've worked with several asset based lenders over the 20 years in business and Celtic was able to build a comprehensive SBA ABL program that enabled us to not only borrow on receivables and Inventory but PO financing was bundled into the equation at very reasonable rates. This trifecta enabled us to achieve growth we wouldn't be able to without such a program.

Celtic Bank's SBA Lending team worked with us through 3 properties that we pursued for our ** Business in Gainesville, Florida. They were extremely responsive, sensitive to all of our deadlines and as new business owners, we really appreciated their encouragement and patience. We give our highest recommendation to Celtic Bank for all small business owners looking to fund their business through their SBA program.

This company continues to send me offers for Indigo Platinum Mastercard. It's not unusual to get more than one spam email from them in the same day, and rarely does a day go by that I don't get at least one offer. There is no point in unsubscribing... The offers keep coming. I've emailed the bank to get it to stop, no response. I would think twice about doing any sort of business with this bank. They do not seem ethical.

This Bank has unexperienced underwriters. My credit score is 799, excellent business credit history, their demands were unreasonable. They wanted 2018 taxes when I already provided them with an extension. So I did file my taxes. Then they said I need to provide a proof that I paid my business tax due that I just filed. Then I finally realized that the underwriter Lori ** wouldn't approve the SBA line regardless of what I provided her...stay away as far as you can. They will burn you. Just don't know how SBA allows them to provide SBA loans.

If you don’t listen to anyone else, I beg you to listen to me! DO NOT, I REPEAT, DO NOT USE CELTIC BANK FOR A LOAN OPTION. I applied with Celtic Bank for an SBA loan and it was complete turmoil and a waste of time and energy. They went back and forth for almost 2 months. One person saying one thing and the next person something completely different. I sent over all requested documents to Adrien **, but they would never tell me my down payment, full loan terms, etc. Communication was not the best. I was initially sent a decline letter. When I asked for an explanation as to why I was declined, Lori (junior underwriter) stated via email that the minimum DSCR was not met, but that she could not disclose what my DSCR score was.

I was told that in six months of opening a credit card account that I could apply for a credit line increase but when I apply they come up with lies on why they denied me. I was told that all I had to do was wait six months to get a credit increase but that not what happen.

They sent me a card in the mail. I destroyed it and the next month they had charged me with an activation fee that I never applied for nor activated. I talked with them on the phone and they said at first I had signed up and later in the conversation they stated I hadn't. They said they would report it to their identity theft department. I stated I wanted this account locked down and they said that they couldn't do that until identity theft gave their report. They have sent the balance to my credit report on charges that were never made. Beware of this company. They are a scam. I have filed a dispute with the credit bureaus.

I worked with Celtic Bank on my small business loan and they have been the best... It was such an easy experience, things went so smoothly. They were so professional and made the whole event such a pleasure.

Celtic Bank has been spamming me for months to sign up for the Reflex MasterCard, a high-fee card I neither want nor need. Annual fee $125 for the first year, then $96 annually. Monthly maintenance fee $120 annually ($10 per month) not charged first year. $30 additional card fee. No rewards program. 30.49% APY.

We received an email stating that our business qualifies for the "VIP Business Program for up to $250,000 of unsecured funding at 3.59%" and called as this was for unsecured loans. After having a brief conversation with a customer service representative they stated that only 1 in 100 applicants gets anywhere near 6% let alone the 3.59% as advertised. In my opinion this is a complete waste of time and they knowingly send out false advertisements to waste people's time.

They were very helpful! All the questions I had they answered efficiently and I left knowing all that I needed to know. The lady I talked to was very patient with me (since I had no idea what I was doing, really) and spent a decent amount of time helping me. It obviously takes awhile to fill out forms and get everything situated but they were helpful when I needed help answering specific questions. I'd recommend even bringing a snack! It takes me back to high school where it took forever to fill out paperwork and tests. Everyone there was very patient and helpful and answered all the questions and concerns I had.

The customer support was definitely one of the better departments that I have dealt with over all throughout my life. They always were pleasant and courteous and helped with every question I had. The application process was looking good and tedious and really was one of the lesser parts of the entire process which has I did not enjoy too thoroughly. It could definitely be tweaked.

The support was always very helpful, providing all the information I needed to fix any issues or answer any question I had. Overall, the people who contacted me were cheerful and upbeat. The process did make sense, but the time it took was a little too long, and the things I had to go through were a little too tedious and repetitive. The rates and pricing were reasonable and well-priced for the quality and plans it offered. The plans were clear and also made sense in context. The online tools it has were efficient and I could figure out what to do myself without getting help, and the ways to make things work online were also very clear.

I feel like the staff was very knowledgeable and informative but discriminated against me because of not only my financial situation but based on some of my physical characteristics as well. I was not comfortable with the way I got treated once they had all of my information. The application process was very easy to understand and did not take me a long time to complete. I felt that the way I answered some of the questions is what caused me to be discriminated against later on. I thought that the rate and terms, had I been accepted, were very fair. I have explored other options and compared to others it would have been very affordable and I would have been happy to pay it. The online tools helped me to understand much better. They are very innovative and although I am not exactly technically savvy it was very easy to use.

Very thorough in helping me. They were patient, understanding and considerate of my needs for loan funds. I was offered extensive customer service through multiple means. The application process was detailed but fair and allowed me to present myself and why I thought I should be approved for a loan from the bank. The rates and terms were explained thoroughly and all conditions were well explained. Further assistance was granted during the signing process if needed. A variety of useful online e-tools was available to facilitate my needs. They were easily accessible and made the entire process worry free.

Everyone was very helpful and answered all the questions I had. Service was timely. The people were courteous and I encountered no problems when I contacted the company whether it was by phone or in person. My application process was easy and quick. Everything was vivid, clear, and easy to understand. I encountered no problems during the application process, the process went by smoothly. The rates and terms were easy to understand. I had questions, but they were answered when I called. Rates are fair and terms are fair. Online tools were efficient and helpful. They were easily accessible and helped guide me through the website and still help me when I need help.

Celtic Bank customer service was just okay. They did not do anything outstanding nor did they do anything to make me mad. Celtic Bank business loan application process was mediocre. It took longer than expected and they required a lot of paperwork but in the end I got the loan for my business. Celtic Bank's business loans rates and terms are again just average. I found other loans that I would pay more for and some that I would pay less for interest. Celtic Bank business loans online tools are just like everybody else's. They are nothing special and did not stand out to me but they do work for their purpose.

It is a surprisingly wonderful customer support. I'm not used to being treated so well as they treated me. I am sure there is an abundance of dedicated professionals working to make this kind of top of the line service possible. The application process went smoother than I thought it would go, thanks to the amazing customer service. Still encountered some nuisances, however not big enough things for me to be upset. Simplified rates and terms, very easy to understand, and even if you don't, there is always the good tier customer support to back you up. I'm going to be honest, I can't fully review the online tools since I'm not very intimate with computers. However, my work colleagues who helped me in said situation had no problems with it. So I assume it's as good as the customer support.