EasyPay Finance Recensioni 198

Charging me three times a month with auto pay 35% interest rate. Easy to take risk with a loan s
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I just paid this account off and deleted the company from my Favorites and the password for the account-done. After making payments for about six months I noticed the account wasn't being reported to any of the credit reporting agencies. I wrote, emailed, called the company and went back and forth, with assurances that they were working on it. After a year, I got an email that they weren't going to be reporting, even though information on-line and from the company said they did. Then, after a year, they told me they weren't going to report on any accounts, and that information reflected on-line. So, 24 months of payments with no credit for having done so and they told me, "Well, you will have the satisfaction of having paid the loan off."

Easy pay finance is a scam , got a iPad for $350 , they added so much fee , brought it up to $470 , they add fee to every payment you make even if it on time . Wanted to change my card info , customer service told me that they can’t change debit info ,and they don’t got an online system to manage your account. Overall I would never use this service again, they want you to miss your 90 days so they can charge you 4x of the price of the item. Stay away use other service!

I paid EasyPay Finance / Duvera Billing Services $5,362.24 over 32 biweekly payments for what was presented as a 90-day no-interest lease agreement. I never received any product — because there was no product. When I attempted to terminate the lease, they admitted on recorded calls that I had “leased money,” not an item. There was no way to return anything, because nothing was ever provided. That’s not a lease — that’s an illegal loan.

Their agents routinely contradicted each other in emails, calls, and CFPB responses. Some hung up on me when I said I was recording — even though I’m in a one-party consent state (Texas) and they had already acknowledged previous recordings. Others lied about the terms, refused to give a legal mailing address, and would only offer a P.O. Box in Dallas for legal documents — while denying that their California HQ address was valid.

After I filed multiple CFPB complaints, they quietly closed the account with a $0 balance but refused to refund a single dollar. They even changed the billing name on my bank statement 157 days after my first payment without notice. This company’s pattern of evasion, deception, and obstruction is crystal clear — and fully documented.

I’ve now filed with the Texas and California Attorneys General, and I’m suing them in Bexar County Small Claims Court under the Texas Deceptive Trade Practices Act and Texas Finance Code. The case is active. If they don’t refund me immediately, they’ll owe a lot more — including statutory damages.

Consumers beware: this company mislabels loans as leases to avoid lending laws. If you’ve experienced the same, report them to the CFPB, FTC, and your state AG. They count on people giving up. I didn’t — and I won’t.

I deeply regret choosing this loan servicer for several reasons. First and foremost, I did not fully understand the terms I was agreeing to, and the inflated cost to repair a vehicle through this arrangement is simply unreasonable.

Despite my best efforts, making the bi-weekly payments of $158 has been a constant logistical challenge. The payment portal frequently rejects transactions multiple times before finally accepting them, often without explanation. Logging in is consistently problematic, and customer service, while polite, has not provided clear or helpful guidance. There is also a troubling lack of transparency: no accessible documentation showing how many payments I’ve made or what my current balance is.

To date, I’ve paid $1,076 on a loan of $2,200 with an 18-month but will end up paying $5,000+ once my 39 payments are complete. I am requesting that the remaining balance be calculated based on the original loan amount, subtracting what I’ve already paid, so I can settle this account and move on.

If you have the option to work with a different loan servicer, I strongly urge you to do so. My experience has bordered on predatory lending, and I would not recommend this company to anyone.

if I could give zero Stars I would my original loan was for $2,600 so far I've already paid back $5,900 at a total of $179.44 twice a month and I still have 15 payments left 149% interest if I would have known that I definitely would not have signed the E contract unfortunately I trusted the automotive shop when they told me that it was all good worst experience with the finance company I recommend snap they don't charge you any interest and all you pay back is what you borrowed best Finance Company I've used them multiple times Unfortunately they couldn't cover the full amount that I needed to get my transmission fixed this last time hence easy pay

Somehow this scum company started charging a credit card I've NEVER used for payments for my monthly payments. FRAUD, will be reporting to BBB. I don't know how they got access to this credit card, but it certainly was never authorized by me.

Still waiting for my illegally stolen money to be refunded to the bank account that I closed because of the scammers. It has been since May 1st that they received my check in full and April 11th dealing with their grotesque laundering business.

Beware of Easy Pay Lending: A Lending Nightmare

I'm sharing my horrific experience with Easy Pay Lending to warn others. Their business model seems designed to deceive and exploit vulnerable individuals.

The fine print is intentionally complex and misleading, hiding exorbitant fees and interest rates. They'll promise one thing, but the reality is starkly different. I ended up paying significantly more than I anticipated, with fees piling up faster than I could keep track of.

Their customer service is unresponsive and unhelpful, leaving you feeling trapped and helpless. Don't fall for their seemingly attractive loan offers. The consequences can be financially devastating.

Rating: -10/5 stars

Advice: Avoid Easy Pay Lending at all costs. If you're struggling financially, explore alternative options, such as non-profit credit counseling services or reputable lenders with transparent practices. Your financial well-being is worth the extra effort.

The application was super easy and I was approved within seconds of submitting it. I was approved for $1500 and I paid off my balance before 90 days so I only paid $40 in finance charge. Total payoff was $1540. Making the minimum payment will not pay your loan off, you MUST make additional payments throughout the months or just pay the remaining balance left over at day 90. If you go past the 90 days that’s when the interest really kicks in and the total price of the purchase doubles. My word of advice to anyone wanting to use EasyPay Finance is to pay the purchase off within 90 days otherwise you’ll be paying double and for a longer period of time, usually 1 year. Also, make sure to actually read and comprehend every word on the agreement before you sign it. When I read it, it was very clear to me what I was signing. If you’re a person that has issues comprehending contracts, I suggest you ask a friend or family member to read it to you and explain what you will be signing. I only had to speak to customer service 1 time and that was simply to get my online portal access and that one time I spoke to them it was very pleasant. My issue was resolved in less than 5 minutes and the representative was very nice and knowledgeable. Due to my pleasant experience I highly recommend EasyPay, but only if you can pay the loan back within 90 days and only if you can afford the terms if you go beyond the 90 days.

This company is disgusting. 148% interest! Do not get trapped by them. They take advantage of people in a jam and do not update credit reports. Filing a complaint with Consumer Bureau and State as I do not believe they can charge such an outrageous rate!...

Easypay does.not accept people on Social Security as retired people because.of income they reject it and turn down those who have this as not qualified income say it's too low dont apply with them it's not good company

EasyPay Finance was super easy to work with and their customer service people were really helpful and nice to talk to. I read other reviews and will have to say that it is all outlined in the agreement before signing it. Just read your agreements, the rates are all there and make sense. I really liked their 90 day same as cash option, it saved me a lot of money. Overall, it was a smooth and simple experience. I would recommend them.

Do NOT use this company. They're charging $148%. Not only that, they pay the merchant, for me, Midas. And the work's not even DONE!@@#$ My vehicle still NOT inspected and it's APRIL. That's to keep you coming back and using more. Horrible company. It needs to end.

Worst compony ever to exist charge so much in intrest NEVER EVER go through these idiots

Avoid this company at all costs . My original car repair came out to $700 dollars . I have been paying on the loan bi weekly payments of 58 dollars every two weeks and the loan is still not paid off . They are still saying I owe almost 700 dollars . This company is extremely illegal with all of their practices . They are charging 149 percent interest.

I am paying off a loan with these people and have been paying big payments to get paid off early well I found outlast month I had a 1304 balance remaining i paid 604 then would have only 700 left i get pay off amount today and I owe 933 so since I made last payment on the 13th of March till today they charged me 233 I guess in extra interest to bring my final payment to 933, if at all possible stay away from this company do not borrow anything from them

This company charged me 146% interest. My original loan amount was $2,000. Before it was all said and done, I paid over $4,000 dollars! They also do not update your credit report with the correct remaining balance. This makes your percentage of credit usage high, which lowers your score. Although I put my date of experience as 3/27/2025, My original loan was in 2022. They charge interest of $8 per day for the original term of the loan. RIDICULOUS!

They are the worst kind of thieves, in my opinion and ought to be completely avoided I lost patience but display pic helped me get my money back.

EasyPay is so frustrating. The online portal is ALWAYS down and never accepts my payments, so unless I call them in all the time, I get spammed with calls and late fees. Even after I set up my checking account in order to have it withdrawn every week, their processing system always rejects it. When I spoke to their agents, because there have been several, they aren't helpful at all with helping me fix it. The last agent actually pretended not to hear me and ignored my request for help even while I was being calm and rational. She ended up talking over me and hanging up after conveniently taking my payment. RUN.