Beware of False Advertising & Debt Settlement Scam This “bank” falsely advertises pre-approved, 3-5% APR consolidation loans with no fees, closing costs, or prepayment penalties. These loans do not exist. These offers are intended to lure you into a “free consultation” where the company pushes a debt settlement package on you. Debt settlement is where you stop paying your bills to scare your creditors into thinking you won’t be able to pay in the hopes that they settle for less than you owe. It trashes your credit and might not work. Your creditors can still take your assets or garnish your wages and might end up in bankruptcy. And even if it does work, you have to pay taxes on the difference between what you paid and what you owed (including all the late fees and ballooning interest that accrues while you don’t pay). Basically, it’s a scam so don’t waste your time unless you are really in over your head with no way out except Debt Settlement or Bankruptcy.

If I could leave more than five stars I… If I could leave more than five stars I would Union First Funding was able to completely change my life! They gave me hope in what seemed like a hopeless situation.

The company really helped me in my time… The company really helped me in my time of need. I don’t usually write reviews except that I was struggling with the high interest rates I had on my credit cards and was looking around for a loan I could get to lower the rates. When I found Union First Funding they walked me through the process and made it easy for me to navigate the process of getting my loan. The only reason I didn’t give 5 stars is that they wouldn’t let me negotiate a lower rate than 6.99 they helped me get. I was really hoping for zero interest.

I'm noticing a pattern Much like other reviewers have indicated, this is a bait-and-switch operation. They ARE NOT a lending institution, their only intention is to push their own "consolidation" product. I had to find out the hard way, don't be like me. After taking all your personal information and soliciting "up to 60 lending partners" they claim not a single outfit was interested in offering a loan. They then proceed to quote your credit score at almost 100+ points below what you are. Either they don't have the actual score, or they rely on those trash estimation algorithms that are always wrong. It's a scare tactic for the ignorant and less informed to lure you into a mistake. They are shady liars and have no intentions of connecting you with anything close to the offer letter you receive in the mail. Run, run very far away.

It is very reliable and I am highly… It is very reliable and I am highly satisfied. Everything is readily available online, hassle-free. There are wide variety of lending products and I have previously searched as well and heard from many of my friends and peers, and other co-workers that they are also highly satisfied with the complete loan process. I liked the variety of loans available online like personal loans, credit card offers, mortgages, etc. I also love the online features like completing the application online. They partner with lenders that offer a huge range of loans and they also provide brilliant customer service.