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Silver Cloud Financial
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Silver Cloud Financial

 3.6/5 (35 ratings)
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Silver Cloud Financial

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.

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Silver Cloud Financial Reviews

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 14, 2020

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.

Silver Cloud Financial response

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

    I was searching online and Silver Cloud came up. I tried it out and I got approved right away. It was quick. The process was completed within two minutes. Two days later, I got my money. Somebody called back and confirmed the information that I gave on the phone but most of the process was done online. It was an excellent experience. They've increased my loan a couple of times. When COVID came in, that hurt things a little bit because my hours have been cut at my job but they have been working with me, which was fair of them to do that. Silver Cloud helped me when I needed some extra cash.

    Silver Cloud Financial response

    Hi Peter! 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: Nov. 7, 2020

    Silver Cloud has a quick process and the application was just a matter of relaying information. I've been a repeat customer and with my most recent experience, it took less than 30 minutes. My interactions with the reps, which is the confirmation of the loan amount and what the loan agreements are, have all been positive. They know what they're doing. Based on the painful interest though, I would recommend someone to go with the more traditional route if they had that ability. I wouldn't go to them if we didn't need the funds, but it's been helpful. The experience is easy. If someone doesn't have any other option, then it's worthwhile pursuing.

    Silver Cloud Financial response

    Hi Richard! 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. 31, 2020

    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.

    Silver Cloud Financial response

    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!

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 30, 2020

    Silver Cloud is easier than any of the other lenders. I was still trying to decide whether I wanted to pay that high interest or not, but I was in a position where I didn't have a choice. It costs a lot of money to get money when people are in this situation but as far as their process, they did all the work for me and made it easy for everything to happen. They helped me through a spot where I needed help. The process was sufficient for what they needed and for what I needed. It took less than an hour which was quick.

    Silver Cloud Financial response

    Hi Duane! 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 1 star
    Verified Reviewer Verified Buyer
    Original review: May 28, 2021

    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.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 2, 2021

    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.

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    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: March 26, 2021

    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.

    Silver Cloud Financial response

    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!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 24, 2021

    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.

    Silver Cloud Financial response

    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!

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    Rated with 3 stars
    Verified Reviewer Verified Buyer
    Original review: March 24, 2021

    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.

    Silver Cloud Financial response

    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!

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    Silver Cloud Financial Company Information

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