Giggle Finance (gigglefinance.com) has a 3.7 out of 5 rating on OK.one, based on 105 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 68% rate it 4 stars or higher while 29% give 1 star; The business has not yet replied to negative reviews. Last updated 2026-08-12.
A SCAM!! I completed an application, connected my bank account via plaid, received an APPROVAL and was asked to enter my debit card information AND signed a contract. After all of this only to receive an email hours later that I could not be funded. Why collect so much personal information if I couldn’t be approved?? This is the only time I’ve ever worked with a company that gathered all of your information to only end up denying you. STAY AWAY from this shady company
This is a predatory loan company; they offer small, short term loans with an extremely high interest rate. It is what it is. It used to be decent. But recently, they have been approving loans for a certain amount, having me sign the paperwork, then either failed to send the funds and claimed my “application expired”or sent me a “sorry, we can’t fund you right now” email — this is after approval and signing. It feels extremely deceptive and makes me wonder if they are running out of funds on their end.
I had mixed feelings about my experience with Giggle Finance. The application process was quick, and I received my funding fast, which I really appreciated. However, my experience went downhill afterward. I was initially offered a discounted early payoff option that was only valid for 30 days. When I contacted the company to take advantage of the early payout, the option had been removed from the website. Since then, I’ve reached out to customer service multiple times and haven’t received a response. Before I mentioned wanting to pay off my advance early, they responded promptly, but communication completely stopped afterward. I also found the fees to be extremely high. I had planned to pay off my advance early and borrow from them again, but because of the lack of customer service and communication, I’ve changed my mind. Once I’ve finished paying off this advance, I won’t be using Giggle Finance again. The fast funding was a plus, but reliable customer support is just as important, and unfortunately, that was missing in my experience.
Great!!! Thanks again! Very much appreciate it
**One Star** I had a very negative experience with Giggle Finance. In my opinion, the application process felt predatory and misleading. I applied for business funding and was led to believe I may be able to get a loan or funding offer. During the process, I was asked to provide personal and business information and connect my bank account. After giving access to that sensitive information, my application was denied. This made me very uncomfortable because the company obtained my personal, business, financial, and banking information, but I did not receive the funding I was seeking. I now want my bank connection fully disconnected, my application deleted, my personal and business information removed, and my information not sold, shared, or used for marketing. I would not recommend this company based on my experience. Be very careful before giving them access to your bank account or sensitive business information.
Customer service was the rudest I’ve ever experienced. Now even though I’ve repaid I’m banned because I wasn’t going to be talked to like they did.
Scam they would charge you a lot of interest that they didn’t tell you about & snatch money out your account
Borrowered paid back 180% extra in 60 days then denied for future loans lol
I applied for a very expensive $2500 loan. They asked for copies of individual IRS Form 1099 to be emailed to them. I never gave them money or received a letter of decline. But, I gave them a wealth of personal information that is circling the globe as we speak.
They will pull a RCC from your account if you miss a payment. It's not best practice to do business with them because they are very difficult to deal with and only work through text. Even after being paid off for $2600 plus they will pull money after several months. Horrible experience after working with them for many years.
Very bad company , after 4 months payment on time , they punished you cos you paid early , not good for growth
this is just another predator taking advantage of people who simply need help. Unless you're prepared to be in a much worse situation, don't sign up for this.
I've used them only to build credit for my business as most banks wont work with you as a small business. I've repayed in 3 days. All the people that write bad reviews are desperate for money when they probably bleeding profits. DO NOT USE GIGGLE thinking this is your way out. They charge you 400% And you must repay every week for 10 weeks and you only get one month to pay less as a discount. This should be used only to build credit anything else and you will have th eproblems eveyrbody else is having. BE SMART.
Giggle Finance has been an incredible resource when I needed fast, reliable support. The process was simple, transparent, and respectful of my time—no hidden steps, no confusing requirements. What stood out most was how empowering the experience felt. Instead of making me jump through hoops, Giggle Finance provided a smooth path to the help I needed, right when I needed it. I highly recommend them to anyone looking for a trustworthy and efficient financial partner.
0 stars, they’re unprofessional and take too much effort to get them to finally answer your questions
Do NOT use this company. This is the worst of the worst company. My lawyer is currently negotiating with them, we offered them more than we owe them, and they refused. You need to know if you have issues with payment, they don’t work with you. And instead choose to lien your card processor. ALSO, this company tried to write a check fraudulently to themselves. My bank blocked them. MCA companies like this are clogging up the court systems because good people are trying to get them banned. Why? Because they are not “loans” so they don’t have to abide by lending laws. Do not use this company. I don’t care how easy it seems to get the money you think you need. The fees they charge you are outrageous. I’ve paid them three payments and had a business cash flow issue. They refused to work with me, and now they are being offered more than I originally borrowed plus more (including their ridiculous fees). A company that treats people like that are the scum of the earth. These are the worst people. It’s an immoral company. Words can’t describe how horrible this company is. Your best bet is to stay far away!
Do not work with this company. You cannot get in touch with anyone regarding your loan. The only replies I received were negative interactions, including harassment and threats, after I gave this company explicit information about my representative to contact in order to receive their payments. This company was completely unprofessional and I will not be working with them again.
Got approved. Told me it would take five minutes. Nothing. They blow smoke up a$$es. I don't like my time wasted with nonsense. Keep your money.
They approved me when no one else would. Thank you.
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