About Silver Cloud Financial
Silver Cloud Financial provides short-term financial relief for anyone, regardless of credit score. Within minutes, you can receive your approval for a tribal loan between $300 to $1,500. 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.
Overall Satisfaction Rating
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Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.
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A friend referred me to Silver Cloud Financial. Their lending process was very easy and straight to the point. I did everything online. Then once I filled out the application, the approval department called me just with a few more questions, and after that, it was all over. It was nothing long. There was no long drawn out conversation. Customer service has been really nice. I’ve had to call them on several occasions just to lower a payment.
Silver Cloud did help me out because I was owing them some fees during the pandemic while I was off work. They lowered my payment, which did help during the everyday life. I didn't have to stress about trying to pay them the amount that was owed because they did lower my payment. So, I appreciate them for that. You should apply to Silver Cloud. They will work with you.
Hi Lisa! 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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The process with Silver Cloud is easy, convenient and fast. What made me choose them and what's made me continue to go back is that I've been able to get half off my first payment and I've been able to avoid all the predatory fees that Silver Cloud and other people charge for payday loans by paying it back on that first date and getting that half off. They've also been very gracious to extend my repayment time from the two weeks to four weeks without it costing me anything else.
However, I don't feel like they really consider your commitment to them in the amount that they'll give you. I've been doing it pretty regularly and I needed an amount that was kinda like 200 more than they had offered but they wouldn't increase it. I was a little discouraged around that 'cause I have a pretty super dope track record with them. I'd love for them to consider how they could have their policy of increases be more reflective of the commitment that we're making as consumers. Also, Silver Cloud can set up a precedent by considering terms that are less predatory. The loan repayment ratio is extremely high. The other thing was I could get 800 and I took 500. During the repayment time, I probably needed another 100 but when I called back, they said I'd have to pay off the loan to get a new one. They could consider a way to increase the loan during the term.
I've done applications on the website and on the phone but even when I've done them on the website, I've gotten phone support. The website is good but it doesn't let me name that I wanna pay it back in one installment. It gives you that full breakdown that's why I've had to call and work with a representative so that I avoid having them do it in installments. It seems like on the website, there's no way to avoid that. Most times, I get my funds the same day when I call in. There was a time where I did the added $25 to get it the same day but I quickly realized that it happens the same day. I feel like I got cheated out of the fee when I did that 'cause they tell you it takes three to five days but it really doesn't.
It's been really good with the reps. The only time it wasn't so good was the time I called to get the increase and was told I couldn't. I usually have people that are a little bit more solution-oriented and try to find ways to find a solution even if the answer's no. But overall, the experience has been really good and people have been really thought-provoking on how to come up with solutions for my increase. Working with Silver Cloud helped me enhance my ability to be able to meet some economical needs during this COVID crisis in a real way.
Hi Melonie! 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!
The turnaround time for processing the loan at SIlver Cloud was quick. It was within the next day. So, that’s a key distinguishing benefit of their services compared to some of these other lenders. The online application was very intuitive, self-explanatory, seamless and streamlined. I felt confident submitting my personal information in the secured portal. For someone who's never done anything like that before or someone who has done something like that, it was very easy to walk through the steps to submit your information for approval.
When you’re ready to pay off the loan, you have to navigate through a few different panels to get to it. It would be nice to have an easier navigation tool such as a Click Here to pay off the lump sum in full or check your balance. Silver Cloud provided a needed service to people who need quick money. It was very easy to work with their organization.
Hi Chris! 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!
It's been a while since I found Silver Cloud through a web app. When I looked into them, I did the application and everything was simple. That's what attracted me to them. At first, the process was hard. They had to go through all my bank accounts and my verifications and I don't think it's a bad thing. Everybody wants the easiest way. The first time I applied for a loan took two days and then after that, it gets better and better. It's way easier 'cause they save all your information.
I had one recently, and it took the same day to get the money in the account. They did a good job. After going through the hard part, I keep returning to Silver Cloud 'cause of the ease of it. The only thing negative about Silver Cloud is that the payments are higher than most that I've looked into. Loans are temporary and they give how many payments to pay it off, but I would recommend to anybody not to do that. It's good for Silver Cloud, but bad for the consumer. I went over ease rather than the cost, but you pay for it if you're not ready to pay it off within a couple of paychecks.
Hi Stanley! 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!
Silver Cloud Financial helped me with some financial issues. I was having a hard time getting approved with other lenders, but I got approved with them. I did the application online, which took me 10 minutes, and then a representative reached out to me right after. I was on the phone with them for no more than five minutes and they gave me an approval and then I got my money the next day. It was easy and really fast. I still have a loan right now. I got furloughed from work and I’ve had issues paying the full payment, and they're very helpful on that. I’ve been giving smaller payments and they’re very easy to work with.
Hi Daisy! 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!
My experience with Uprova was very unsatisfactory and oppressive. Although it was easy it get approved and to access the loan quickly with poor credit, there is no excuse for the extreme interest rate charges. Taking advantage of poor credit loans with interest rates that are unmanageable to anyone trying to rebuild their credit score and get out of a bind with obscene interest charges on a loan as low as even $800 is highly oppressive and detrimental to society. The ability for those struggling to obtain societal socioeconomic upward mobility with the interest rates you offer is unattainable and detrimental to all who need help in tough times.
I understand that you need to keep a low risk to losing money and profit by offering loans to those with poor credit, but your interest rates are obscenely high compared to similar poor credit lenders. This choice to offer thousands of percent interest on short term loans is unethical and causes more harm than helping those in need. As a Social Worker, I would never use Uprova again for any reason after my experience (even though I did pay back the loan in full and early) and will not recommend your lending company to anyone.
I am currently working to try to implement policies limiting poor credit interest rates, due to your highly unethical practices. Customer service was also extremely rude and unhelpful while even attempting to pay off my loan in full early. I hope that you change your interest rate policies and/or are forced out of business by advocating for policy enforcements that no longer allow for your type of lending practices, due to my experience with Uprova.
I fell on hard times and needed the money ASAP. The sign up was very easy. The money was there the following day. The loan was easy to pay off the following paycheck. Would get another loan if needed, and would recommend to friends.
Crazy how you want almost 3k to 4k to borrow 1k.. I will never return to you after I pay you off.... I would never recommend that anyone pull a ** loan from this half ** scam site. APR is ridiculous for a yearly payout.
Hi Michael! We are sorry to hear that you received less than the 5-Star service Uprova 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!
The representative was very courteous and nice. It came in handy when I needed it. I am grateful to have a service like this available to in an emergency. I would definitely recommend Uprova to someone if asked because they were there when I needed them.
Hi Chantell! We are so glad to hear that you received the 5-Star service Uprova is known for. If you ever have comments, questions or concerns about your service with Uprova, please feel free to reach out to us at VOC@Uprova.com. Thank you!
Getting the money was great...but the monthly payback, was crazy. I never got ahead. I just had to pay off in order not to pay minimum fee. I am unsure if I would recommend this service because it seems once you loan you can not get out by making payments.
Hi Jason! We are sorry to hear that you received less than the 5-Star service Uprova is known for. We would like the chance to hear more about this situation. We will be reaching out to you soon. Thank you!
Silver Cloud Financial Company Information
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- Silver Cloud Financial