I made one of the biggest financial mistakes of my life by borrowing $500 from Sunshine Loans, and…read moreI'm writing this in the hope that someone else doesn't make the same mistake. When you're in a financial bind, companies like this know you're desperate. They make the process quick and easy, but what they don't make obvious is the staggering amount you'll ultimately pay back. I borrowed just $500. After making five payments of $267 each--a total of $1,335--I was shocked to learn I still owed two more payments of $267. By the time this loan is paid off, I will have paid $1,869 to borrow $500. Think about that for a minute. This wasn't a loan that helped me get ahead. It buried me even deeper. It took advantage of someone who needed temporary help and turned it into an expensive financial trap. Yes, I signed the paperwork, and I take responsibility for that. But there is a huge difference between something being legal and something being ethical. Businesses shouldn't build their profits on people who are already struggling. If you're considering Sunshine Loans because you need money fast, please stop and exhaust every other option first. Borrow from family, ask your bank or credit union, sell something you don't need, or even talk to your employer about an advance. Almost anything is a better alternative than paying nearly four times what you borrowed. I hope sharing my experience saves someone else from making the same mistake I did.

really great customer service.......everyone is nice and friendly for there new staff to the…read moreveteran staff member been going here for almost a year straight has helped me out through some tough times and the times where I need a few extra bucks to have some fun.....Cindy is the one I usually deal with and has a great personality....by far the best place to go for a few extra bucks between paychecks without a pushy sales staff

The verification process that this place does, is ridiculous! Even with confirmation of acting bank…read moreaccount and current paystubs, they needed more employment verification. The woman was so slow, answering phone calls and taking her time, that my employer was closed and they wouldn't talk to my direct supervisor. Highly recommend not using this company.

Thank you for your time and help with me. You were fast, and helpful on getting me the loan. I'm…read moreglad you helped me when I needed it the most. Thank you for your help.

Awful false address never answer the phone ya shouldn't advertise calling the credit bureauread more

From the owner: NCCL No Credit Check Loans knows what it's like to be in financial trouble. We've been there…read more That's why we created our connecting services. We're not a lender, but we work with hundreds of lenders to help our customers get the money they need when they need it most. If you have bad credit, no credit, or other financial difficulties, we can help—no matter how high your debt is. We've helped thousands of people just like you get out of their financial rut by offering loans for any purpose—even those who haven't had a credit score in years! If you're ready to take back control of your finances and start living the life you deserve, apply today!

12/30/2022 Buyer beware. Do your research online before you pick a new bank....I am new to Lubbock…read moreand went to the City Bank location on University Avenue to open an new account. I will be taking my business elsewhere after a horrible experience. I worked with Zaira and either she did not know anything about the different accounts, or she conveniently left out the details. When I asked her basic questions she pulled out her manual but still gave me incorrect information and could not answer my questions. Most of the employees at this bank appear to be college age students that could care less about your business, don't know their products, and do their best to confuse you. Due to the customer service I received and the runaround I got when asking questions, it seemed like this bank operates under the Wells Fargo business model of meeting quotas on new accounts openings. They do their best to give vague answers, confuse customers and get them to open up accounts they don't need. When I first arrived, I made it clear I wanted just a plain old regular checking and savings account with no debit card. Without even hardly discussing regular accounts, she immediately begins trying to sell me on the Reward Checking and the Rewards Plus account. She explained the plus account as a 'saving like' account. This is false representation - I found out later by doing my own research on their website that it is just a checking account without a debit card! So why would I need to open up both of these two checking accounts? Makes no sense. In addition, she told me both of these accounts would have around a 1.5-2% interest rate. I later found out this was completely incorrect. When I repeatedly asked her to explain the interest rates and the differences between the accounts, she couldn't give me many details and did not have any pamphlets to show me. She conveniently failed to mention that the higher interest rates are built around a tiered system based on IMPOSSIBLE debit card usage. The normal interest rate is 0.01% which is pretty standard, and in order to receive a higher rate, you have to have at least 8 debit card transactions posted PER DAY in addition to other requirements. The highest interest rate required 20 transactions per day! After asking her the same questions for 20 minutes and not getting any tangible answers, she drew a diagram on sticky note and told me the same thing AGAIN. She repeatedly told me "this is what most of our customers do" with the reasoning being "these accounts are less restrictive than the others", which was not a lie, but was intentionally misleading. She would not give me any 'meat and potatoes' details about the accounts. I finally gave up and opened an account because it was almost 4 PM and I wouldn't have time to go anywhere else. The whole experience took over 1.5 hours because their computer system was also down. If I had not been in a hurry to get a few checks deposited/cashed I would have walked out. I had already tried to cash these checks at several other banks (with whom I did NOT have an account) and they wouldn't accept them because they were issued by an out of state bank. This is the ONLY reason I did not walk out. I will be returning shortly to close the account and take my business elsewhere. FYI they also charge for overdraft protection. The ONLY good thing I can say about them is they apparently don't charge for checks if you get the standard issue ones with the bank name. Don't waste your time.

From the owner: Since 1941, City Bank has been committed to offering its customers revolutionary products and…read moreservices to stay in touch with their needs. Through this commitment, City Bank offers additional banking services including mortgage lending, trust, insurance, investments, indirect lending, and private banking.