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Silver Cloud Financial

Silver Cloud Financial
Overall Satisfaction Rating 4.03/5
  • 5 stars
    124
  • 4 stars
    25
  • 3 stars
    19
  • 2 stars
    8
  • 1 stars
    23
Based on 199 ratings submitted in the last year
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Silver Cloud Financial, Inc. provides short-term financial relief for anyone, regardless of credit score. Within minutes, you can receive your approval for a tribal loan between $300-$1,000. All processes are secure and follow federal and tribal regulations, as well as OLA guidelines. There are no hidden fees or prepayment penalties and you may qualify for same-day funding. Visit our website to learn more and apply today!

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Silver Cloud Financial Reviews

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 9, 2020

I went online and looked for anything on payday loan. Then, I applied for a payday loan online and it sent me a list of companies that would service me, and I chose Silver Cloud. There was documentation that they needed to do, but it was extremely simple. The process usually just takes a day. If I called them early in the morning, I would have it the same day. There was one time it took two days, that was my fault. I had paid my term off in the same day I applied for another one and they had to verify that it went through my account before they could do it.

I spoke with them and they gave me a favorable term that I could do, so I went with them. I'm happy with their service because they gave me a 30-day pay, or 28 days of pay in full and I really appreciated that. The girl that I talk to every time I call in, is so easy to work with on my terms that if I can't pay the whole thing back on the 30 day, I just pay the interest, and she gives me another 15 to 30 days to do it again. I'm using this to finance my business. This enables me to get inventory and sell it and pay them back. They really help me out.

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Silver Cloud Financial response

Hi Allan! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 9, 2020

    When I read everything in the disclaimer, I was satisfied enough to go ahead with the loan. But the website didn’t let me finalize anything, so my money went to an account that’s been closed for quite some time. So that was kinda discouraging. It just went on and told me that my loan was being looked at, and then I got a email saying that I was approved. But I haven’t even signed anything. It took me a day and a half to get ahold of somebody and then we went on from there. I called Wells Fargo and the customer service line of Silver Cloud to tell them what was happening. I got names from both companies and I gave them my name, so everybody had a heads up on what was going on. Because I didn’t want to be charged for a loan that I possibly might not even get.

    I had to wait over the weekend at the time, which was like a three-day weekend, to get the money because they had to wait for it to go back to Silver Cloud. And then they had to send it back to me and I wasn’t too happy with that part of it. It was frustrating and kinda troubling. They fixed everything and I got the money, but it took a while.

    I missed a payment on Friday and I talked to somebody and I explained when my paydays are. But that was another thing that I had talked to them when I was going over all the bank stuff and correcting all the mishaps. I explained to them when would be a good time so that I don’t default on my loan and they didn’t change anything. That is also troubling to me. When I requested something, it didn’t happen. They said I was too late to get an extension. But I had to call on Monday after I missed a payment and explain all over again what I had already told them and go from there.

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    Silver Cloud Financial response

    Hi Rosemarie! We would like to hear more about this situation involving Silver Cloud Financial and discuss it with you further. Please reach out to us. Thank you!

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 20, 2019

    At the time, Silver Cloud had the lowest price per 100 on a return, like what they were charged, and it has since gone up a lot, I'm not happy about that. When I first started lending through them, it was kinda declined. I had to call and speak to somebody, 'cause I'm not a technological guru with computers, and it was nice that I could get a live person. There have been several different times that I've used them so some people were really good and some people didn't seem to know what they were doing too much.

    They tell you on the computer, when you see the advertisement, that you'll get a response that day as long as it's before 3 o'clock, and that never happens ever. Their hands are tied. If the policy says that this isn't gonna show up in your account until the day after tomorrow, it kinda defeats the purpose because several of the times that I've called, something came up and I needed it right away, which is the reason that I'll pay for it and it gets taken care of. Now you're paying for it, but it's getting taken care of. It just takes too long.

    I don't like the fact that when they send out the email that payment's coming up, they put all the information in there except the amount of the payment. This last one that I'm on now, I'm positive that when I first signed up for it and took it, it was because they were offering 50% off the first set of fees. But I'm not sure if I got that off. And to go in and check it, I'm gonna be spending an entire afternoon trying to figure out how to work the computer to get in to see. They tell you to call, but then when you call, you don't really get anywhere. You can get an answer right away, but you don't get the right person right away. It's not just one person assigned to.

    I remember one call that I got totally frustrated with because they kept telling me that he was the person to talk to and there was no answer for this and I had to wait. It's a good program for needing something right away. But it should be available right away and it should be a lot easier to maintain control and see what's happening in there. They should also lower their fees. There are other companies out there now that have lower fees than Silver Cloud, but I'm locked into thinking that I know this company, so I'll just stay with them, and it turns out in the end that it's like loansharking. I would recommend them to somebody that was in a jam and needed something, but if I had the time, I'd sit down and shop and come up with the best company to do the work.

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    Silver Cloud Financial response

    Hi Patricia! We would like to hear more about this situation involving Silver Cloud Financial and discuss it with you further. Please reach out to us. Thank you!

    3 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 15, 2019

    I decided to try Silver Cloud Financial out and it was easy to apply with them. They are quick, give easy service, and have great communication. I went online to apply. As soon as I put my application in, someone called me within five minutes. We discussed a few things about the loan. I was trying to find out exactly how the process would happen and they explained it to me, but they didn’t explain everything to me. After that, the lady told me that she had to check on something and had to ask me some questions. Once I went through the process, she told me that I had been approved and that my funds would be in my bank account and that it may take up to two business days but it may not. After that, the funds were deposited into my bank account the next day.

    They said that my first payment would be high and it would get lower after that, but I didn’t know that it was such a high-interest rate loan and it seems like even though I’m paying, my balance hasn’t gone anywhere. I called back last week and they explained to me that the best thing for me to do is pay more, which will keep the interest rate from the shooting up. I have taken out one more loan and I didn’t know too much about it. Now, that they explained this to me, I understand. They helped me and have been working with me.

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    Silver Cloud Financial response

    Hi Margaret! We would like to hear more about this situation involving Silver Cloud Financial and discuss it with you further. Please reach out to us at VOC@SilverCloudFinancial.com with your contact information and we will be in touch. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 12, 2019

    Florida got hit by the red tide and it dropped our business extremely bad. A lot of tourists who were coming out canceled and when you're a waiter, you depend on tips. But when no one is coming to the restaurant, there are no tips. I had to pay my bills somehow though. So I looked into getting a loan. I came across Silver Cloud Financial and it helped me out a lot. Even when we were short and I couldn't make my payment for that week, I just asked if they would postpone it for two or three days and they were very accommodating with that. So it works really good. You would be paying on this but it's the price you pay to get through. Not everyone has a family that they can run to, especially in the current economic situation. So it's all good. It's only a moment and it gets you to the next place. That's how Silver Cloud has helped me out a lot so I definitely appreciate it.

    I would tell others not to get discouraged or disappointed and to pay the loan back as soon as they can. That way, they don't have that long term draw out where you borrowed $1,000 and you end up paying $2,200 back. You need to pay it off as soon as you can and cut down on how much you're paying back. But Silver Cloud still is a great place and they were very easy to work with. The lending process was very easy. It was done on the same day. I did things online and then they called me. We talked and they made sure I understood everything, which was good. Whenever I called with questions, they were good to answer them also. I also believe they're connected to the Indian tribe and that made me really happy because I feel like whatever the money they make off of me, it's going back to their tribe. It keeps something good going instead of some big corporate company that's just looking to make a buck. I feel it's going to a worthy cause.

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    Silver Cloud Financial response

    Hi Joshua! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us at VOC@SilverCloudFinancial.com. Thank you!

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    Rated with 1 star
    Verified Reviewer
    Original review: April 5, 2020

    Just now Silver Cloud Financial is a lying rip off fly by the night company. Do not use them at all. They lie, they steal and try to con you into to give them more money. Stay away from them. I had to hire an attorney to fight this horrible company. And obviously I don’t have the money to deal with this right now. I would’ve never used them but I’m going through a horrible divorce. But it’s the principle now. I will not let this lying cheating company get away with this. I Refuse. I’ve started my Reviews here. I’m going to the Better Business Bureau and whatever else this attorney tells me to do. Terrible terrible company. I hope nobody uses them now.

    Silver Cloud Financial response

    Hi Summer! We are sorry to hear that you received less than the 5-Star service Silver Cloud Financial is known for. We would like the chance to hear more about this situation and rectify it for you. We will be reaching out to you soon, but if you would like to talk to someone immediately, please call us at 844-225-6954. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 27, 2020

    Silver Cloud Financial has great customer service. They processed my loan and the money was deposited into my account within 2 business days. Even when there was a mishap due to an account number error, they handled everything efficiently and without the addition of fees. I am quite happy with Silver Cloud Financial and highly recommend them for emergency cash needs! :)

    Silver Cloud Financial response

    Hi Dena! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 24, 2020

    Silver Cloud was easy to work with, very friendly, and very helpful. The online application was easy to use and I just had to do the bank login. The entire lending process took 30 minutes. It was a stressful time but they made it more comfortable.

    Silver Cloud Financial response

    Hi Jamie! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: March 23, 2020

    Everything went well with Silver Cloud. I took out $300 and it took a while to get approval. Maybe they could improve on that angle a little bit more. Other than that, everything was good.

    Silver Cloud Financial response

    Hi Victor! We are sorry to hear that you received less than the 5-Star service Silver Cloud Financial is known for. We would like the chance to hear more about this situation and rectify it for you. We will be reaching out to you soon. Thank you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 22, 2020

    Working with Silver Cloud got me out of a financial issue. The whole process took 10 minutes and I haven’t had any problems.

    Silver Cloud Financial response

    Hi Shawn! We are so glad to hear that you received the 5-Star service Silver Cloud Financial is known for. If you ever have comments, questions or concerns about your service with Silver Cloud Financial, please feel free to reach out to us. Thank you!

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    Silver Cloud Financial author review by Lauren Fix

    Silver Cloud Financial offers short term installment loans, also called tribal loans. The company has no hidden fees, no prepayment penalties and multiple payment options. The company offers rate discounts to qualified returning customers. 

    • Loan amounts: First time applicants can qualify for loans from $300 to $1,000. Returning borrowers can qualify for up to $1,500.

    • Interest rates: Silver Cloud doesn’t disclose exact interest rates or APRs on its website, but it does state that borrowers must pay certain finance charges associated with their loans.

    • Availability: Silver Cloud is currently available in 37 states.

    • Funds: Get funds deposited electronically to your bank account as soon as the next business day.

    • Available for people with low credit: You don’t need to have good credit to qualify for a loan with Silver Cloud Financial.

    by Lauren Fix Auto & Finance Contributing Editor

    Lauren Fix, also called The Car Coach, is an automotive and auto finance expert. Her understanding of vehicles has made her the “go to” person on TV, radio, print media and the Internet. She has authored multiple books and writes a column for several outlets, including Parade Magazine, NewsMax and Car Coach Reports. She is a regular guest on major news and morning shows, discussing the latest updates on cars and car financing that will help drivers make smart decisions when buying, maintaining and financing cars.

    Silver Cloud Financial Company Information

    Company Name:
    Silver Cloud Financial
    Website:
    www.silvercloudfinancial.com