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Money & Insurance

Birch Lending

100 reviews

4.2100 reviews
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About Birch Lending

Data updated
Website
birchlending.com
Category
Money & Insurance
Location
United States · Minto
Status
Unclaimed
Last 12 months
100 reviews
Replies to negative
100% (18/18)
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Is Birch Lending legit?

Birch Lending (birchlending.com) has a 4.2 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 81% of reviews are 4 stars or higher and 18% are 1 star; The business has replied to 100% of negative reviews. Last updated 2026-08-10.

What people say

T
Tiffany · 4 reviews · Experienced 2026-06-12 ·

Negative star

If i could give a negative star i would. They say you approved and have you sign the documents and then you wait for your money. It doesn't come. You then call and they say they need more verification. You give it to them and then they say you are not approved. Their fees are so ridiculous, also. I have had loans with them before and I paid them off so I am a VIP customer according to them. Don't use these people. Go to Sunshine loans. They are more affordable and professional.

Reply from Birch Lending2026-06-22

HI Tiffany, thank you for reaching out. We would like to help, but unfortunately, we are unable to locate your account with the information provided. Please contact us at [email protected] or at (833) 742-4724 so that we can further assist you. Thank you.

H
Hanging With The Hanks · 1 review · Experienced 2026-06-10 ·

They helped me when I was in a pinch…

They helped me when I was in a pinch and even allowed me to request more money when I needed it. The customer service reps were phenomenal and very pleasant to speak with. I recommend them to anyone !

Reply from Birch Lending2026-06-10

Hi! Thank you so much for leaving us a fantastic five-star review. We're thrilled to hear that you had an amazing experience with our Customer Care Team. Providing excellent customer service is our top priority here at Birch Lending, and we're grateful for the opportunity to serve you. Thank you again for your business!

Y
Yolanda · 6 reviews · Experienced 2026-06-04 ·

The agent was friendly and patient and…

The agent was friendly and patient and helping me get the best payment for my budget and helped me with my needs.

Reply from Birch Lending2026-06-10

Hi Yolanda! Thank you so much for leaving us a fantastic five-star review. We're thrilled to hear that you had an amazing experience with our Customer Care Team. Providing excellent customer service is our top priority here at Birch Lending, and we're grateful for the opportunity to serve you. Thank you again for your business!

A
Anne Marie · 1 review · Experienced 2026-06-10 ·

Screw u out of your money!

I was fine with them until they didn't take my payment that was supposed to be processed. Charged me 500 extra dollars! Don't use them. They will screw u out of your money.

Reply from Birch Lending2026-06-10

Hi Anne, thank you for reaching out. We would like to help, but unfortunately, we are unable to locate your account with the information provided. Please contact us at [email protected] or at (833) 742-4724 so that we can further assist you. Thank you.

S
Suzanne · 3 reviews · Experienced 2026-06-09 ·

Easy application

Reply from Birch Lending2026-06-10

Hi Suzanne, we appreciate the five-star review – thank you! We’re happy to hear that our Customer Care team made it easy for you. Thank you for choosing Birch Lending!

M
Monica · 2 reviews · Experienced 2026-06-04 ·

I loved how quick it was for my…

I loved how quick it was for my circumstances. I would use them again.$

Reply from Birch Lending2026-06-09

Hi, Monica, always great to hear positive feedback! Thanks so much for taking the time to write this review. Any questions or concerns you may have, please don’t hesitate to reach out to us at [email protected] or at 833) 742-4724. Thank you for being a Birch Lending customer!

M
Mac Cadet · 1 review · Experienced 2026-06-08 ·

You guys made it real simple to get…

You guys made it real simple to get things done I appreciated that and I will recommend you guys to people I know

Reply from Birch Lending2026-06-08

Hello Mac, you are very welcome. We look forward to working with you as your lending partner. Knowing you would recommend us to others is what we strive to accomplish and the best compliment we could receive. Thank you!

B
Barron Ladell · 2 reviews · Experienced 2026-06-08 ·

Happy soul

It was very efficient im grateful they gave me the opportunity an the amount asked for,definitely a customer for life

Reply from Birch Lending2026-06-08

Hi Barron, thank you for your five-star review! We're glad to hear our Customer Care was able to get you the funds you need. We know we will continue to earn your business. Thanks again!

N
Natasha Romero · 1 review · Experienced 2026-06-08 ·

They gave me the loan and it was quick…

They gave me the loan and it was quick and easy

Reply from Birch Lending2026-06-08

Thank you for the review. We are pleased to gain this feedback as we do strive to make the loan process as quick and easy as possible. We appreciate your business.

O
Octavio Rojas · 2 reviews · Experienced 2026-06-01 ·

I applied online but didn't like the…

I applied online but didn't like the loan terms, so I called to cancel. However, after I explained my financial situation, the representative—along with their management—offered me a better deal, even though other companies had turned me down. Thanks, Birch Lending, for the loan.

Reply from Birch Lending2026-06-08

You're most welcome and thank you for the five-star review, Octavio! We're glad you chose us as your lending partner.

L
Leshoin · 2 reviews · Experienced 2026-06-02 ·

The process was secure and easy the…

The process was secure and easy the funds were deposited as promised and customer service was excellent

Reply from Birch Lending2026-06-04

Hi Leshoin! Thank you so much for leaving us a fantastic five-star review. We're thrilled to hear that you had an amazing experience with our Customer Care Team. Providing excellent customer service is our top priority here at Birch Lending, and we're grateful for the opportunity to serve you. Thank you again for your business!

D
Dale Gann · 3 reviews · Experienced 2026-06-02 ·

I applied for the money I needed one…

I applied for the money I needed one day an had the money the next day...really helped me out...would look them up again if I need to

Reply from Birch Lending2026-06-03

Hi Dale, thank you for your five-star review! We're glad to hear our Customer Care was able to get you the funds you need. We know we will continue to earn your business. Thanks again!

L
LAP · 2 reviews · Experienced 2026-05-31 ·

The application process was quick and…

The application process was quick and easy.

Reply from Birch Lending2026-06-03

Thank you for the review. We are pleased to gain this feedback as we do strive to make the loan process as quick and easy as possible. We appreciate your business.

L
Lisa · 1 review · Experienced 2026-06-02 ·

Great because it was easy … and the…

Great because it was easy … and the response time was par excellence ! I was about to sign off but my guardian financial angel said read before the money goes into account - which I was happy to get $1350 for me but the payback cost me $7000 plus… if you can afford that much then I guess you can…

Reply from Birch Lending2026-06-02

Thank you for sharing your experience with us, Lisa! It’s great to hear the positive feedback. You are correct that this is an expensive form of borrowing. Birch Lending loans are designed to meet short-term borrowing needs and are not intended to be a long-term financial solution. There is no fee for paying the loan off early and many of our customers save a significant amount in fees when they pay the loan off early. Please don't hesitate to reach out to us any time at [email protected] or at (833) 742-4724.

B
Britnie Byington · 1 review · Experienced 2026-06-01 ·

Birch lending is full of idiots

Birch lending is full of idiots. They admit they sell and market your information. They wi delay your attempt to pay off the loan to get themselves more money and they refuse to delete accounts even if it’s paid off. They are nothing but scumbags hiding behind being a “tribal” company.

Reply from Birch Lending2026-06-02

Hi Britnie, thank you for reaching out, We are always here to help. We are firmly committed to ensuring that our customers have a clear understanding of the fact that this is an expensive form of borrowing. As such, we make it a top priority to provide them with a comprehensive breakdown of our rates and terms, while also providing full disclosure on all fees associated with the loan well before originating the loan. Our goal is to ensure that our customers are fully informed and equipped to make informed decisions regarding their borrowing needs, while also fostering a culture of transparency and trust in all our dealings. We strongly encourage our customers to take advantage of our no pre-payment penalty policy by paying off their loan early. Doing so will result in substantial savings on interest charges. Additionally, customers have the option to make additional payments towards the principal balance of the loan, which can help reduce the overall cost of borrowing. We believe that these options provide our customers with greater flexibility and control over their finances. Reviewing your account, we see that we attempted to reach you to resolve this matter but were unsuccessful. Please feel free to contact us directly at [email protected] or (833) 742-4724 at your earliest convenience so we may resolve this issue. Thank you.

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Nicole Fowler · 1 review · Experienced 2025-10-01 ·

I borrowed $700 Oct 2025 every 2 weeks…

I borrowed $700 Oct 2025 every 2 weeks $187 has come out of my account that’s almost $400 a Mth mind you it’s now June!!! They are saying I still owe $512!! I’m infuriated! If I had known that it was gonna be this much I would’ve went to my local loan company! Security finance … and now they’re telling me I have 2400 purchase points!! I bet I do !! if $700 was this much I can only imagine how much 2400 is worth paying back! Do not use !!!

Reply from Birch Lending2026-06-01

Hi Nicole, thank you for reaching out, we are always here to help and want to make sure that we address each one of your concerns: We are firmly committed to ensuring that our customers have a clear understanding of the fact that this is an expensive form of borrowing. As such, we make it a top priority to provide them with a comprehensive breakdown of our rates and terms, while also providing full disclosure on all fees associated with the loan well before originating the loan. Our goal is to ensure that our customers are fully informed and equipped to make informed decisions regarding their borrowing needs, while also fostering a culture of transparency and trust in all our dealings. We strongly encourage our customers to take advantage of our no pre-payment penalty policy by paying off their loan early. Doing so will result in substantial savings on interest charges. Additionally, customers have the option to make additional payments towards the principal balance of the loan, which can help reduce the overall cost of borrowing. We believe that these options provide our customers with greater flexibility and control over their finances. In reviewing your account, we see that you have spoken with a Customer Care agent who was able to satisfactorily address your requirements. We are delighted to have been able to assist you in establishing a payment schedule that meets your needs. If you have any additional questions, please reach out to us at [email protected] or (833) 742-4724.

M
Misha Lynnette · 1 review · Experienced 2026-05-28 ·

Quick and Easy

In times of financial emergencies, it’s great to be able to get money the next business day!

Reply from Birch Lending2026-06-01

Hi Misha, thank you for your five-star review! We're glad to hear our Customer Care was able to get you the funds you need. We know we will continue to earn your business. Thanks again!

M
Michael Green · 6 reviews · Experienced 2026-05-26 ·

I got great service

I got great service. Friendly people. Got the job dine.

Reply from Birch Lending2026-05-29

Hi, Michael! Thanks for the review. We're glad to hear our staff was very helpful and friendly. We will continue to work hard to earn your business.

M
Mitzie Walecki · 6 reviews · Experienced 2026-05-26 ·

They are very helpful and understanding…

They are very helpful and understanding i would recommend them to family

Reply from Birch Lending2026-05-28

Hello Mitzie, you are very welcome. We look forward to working with you as your lending partner. Knowing you would recommend us to others is what we strive to accomplish and the best compliment we could receive. Thank you!

M
Mary L White · 11 reviews · Experienced 2026-05-26 ·

Easy and quick

Reply from Birch Lending2026-05-28

Thank you for the review. We are pleased to gain this feedback as we do strive to make the loan process as quick and easy as possible. We appreciate your business.