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Silver Cloud Financial

Silver Cloud Financial
Overall Satisfaction Rating 4.31/5
  • 5 stars
    84
  • 4 stars
    29
  • 3 stars
    18
  • 2 stars
    2
  • 1 stars
    11
Based on 144 ratings submitted in the last year

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!

Silver Cloud Financial Reviews

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Page 1 Reviews 0 - 10
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 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 5 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 24, 2020

    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.

    Silver Cloud Financial response

    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!

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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.

    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.

    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 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 19, 2020

    The sign-up process at Silver Cloud was simple. It took 10 minutes. Everything was smooth and transparent when I worked with their rep.

    Silver Cloud Financial response

    Hi Jwana! 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. 11, 2020

    I've used them in the past. They were professional. When I've been struggling, it's been something that can definitely help and save me from bills not getting paid. The process was very quick. You apply and then you'll have the money the next day. But it was incredibly overpriced. If you can't pay it quickly back, then don't do it because you're gonna pay.

    Silver Cloud Financial response

    Hi Jodie! 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: Nov. 10, 2020

    I've been affiliated with Silver Cloud Financial for a while. I hadn’t used them in a while. Then, I just recently used them a month ago. The interest rate is way over too high. But that's the price of business. On my last one, I ended up paying you guys 700 off 1,000. I ended up paying them 1,700 for borrowing 1,000 in less than a month. That’s too much. I had good customer service with them though. It was a couple times I had to call them, but the service was good.

    Silver Cloud Financial response

    Hi Carla! 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: 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. 8, 2020

    Overall Silver Cloud is great and I really appreciate the help with getting the loan that I desperately needed. The only complaint is that the beginning Payment to repay is a little high. I understand it is a company and it needs to make money.

    Silver Cloud Financial response

    Hi Angela! 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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    Silver Cloud Financial Company Information

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