Echo Credit Reviews 2,010

TrustScore 4.5 out of 5

4.7

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease and speed of the application process, often receiving approval and funds within minutes or a day. Many appreciate the hassle-free nature of obtaining a loan and the understanding approach of the staff. The customer service is often described as fast, friendly, and efficient, with representatives being helpful and knowledgeable. People also value the flexible repayment options and the ability to get financial assistance when needed. However, some customers also noted issues with the website, finding it terrible to use or experiencing problems with electronic payments. A few people were dissatisfied with the customer service, mentioning difficulties understanding phone representatives or receiving conflicting information regarding payment arrangements. There were also concerns about high interest rates and repayment schedules, with some finding the bi-weekly payments unaffordable or wishing for monthly options.

What people talk about most

User experience

Customers consistently note positive experiences with the user experience. Many reviewers found the... See more

Payment

Reviewers mention positive feedback about payment. Customers appreciate the easy application process, fast... See more

Service

Customers had positive experiences with service, often highlighting the quick and easy process for obtaining... See more

Customer service

Users describe positive interactions with customer service. Many customers found representatives helpful,... See more

Staff

People report positive experiences with staff, highlighting their helpfulness, professionalism, and... See more

Based on these reviews

Rated 5 out of 5 stars

Very easy to use the services provided and the decision getting approved was in seconds which made a huge difference. Their team is quick and take each personal needs to the highest level of respect b... See more

Rated 5 out of 5 stars

Everything was done online in the convenience of my own home without having to gather all kinds of paperwork and then sit on the phone with an agent for a long time. My hope is that if I need help ag... See more

Rated 5 out of 5 stars

From start to finishing up the application, it was so easy and within a few minutes I had my answer. Later on I had another question that I emailed and got my answers within a reasonable amount of tim... See more

Company replied

Rated 5 out of 5 stars

Timeliness and easy to understand. Except for the interest rate (which I guess I deserve based on my situation caused by medical issues) everything has been good so far.

Rated 5 out of 5 stars

These people are fast, friendly and efficient. It was an all around great experience. These people are fast friendly and efficient. It was a wonderful experience and I look forward to being their c... See more

Rated 5 out of 5 stars

This company extended me a hassle free loan. The company didn't have me jumping through ropes with promises of a loan and then deny me. I love the integrity of Echo Credit. Echo Credit is the best len... See more

Rated 5 out of 5 stars

I really appreciated the recent loan I received from your company , it was a great blessings to help me get my finances on track, and I received it in a timely manner .thanks to you I can get thin... See more

Company replied

Rated 5 out of 5 stars

It was very easy to navigate throughout the entire website. I didn’t have any issues with anything. I knew what I needed and made my decision. I have already recommended your company to my friends and... See more

Company replied

Rated 5 out of 5 stars

Easy,fast,hassle free and convenient. Approved and got the money right away. Would definitely recommend them to anyone who has an emergency like me.

Rated 5 out of 5 stars

Echo Credit made the stress of recent financial worries diminish as it led me through the easy to navigate application process . It was quick , easy , and efficient . Thankful for a financial company... See more

Company replied

Rated 5 out of 5 stars

It was very easy to apply and once the funds was there, it didn’t take no time for everything to be processed and into my bank account very simple and easy yeah

Rated 5 out of 5 stars

It is an expensive loan, but not as bad as some lenders. But it’s certainly very handy for emergency money. They’re very efficient very fast. Website is fantastic.

Rated 5 out of 5 stars

They are very understanding and helpful. I have love my experience with this company and do tell others if they ask about a loans from a good company.

Company replied

Rated 5 out of 5 stars

Extended a line of credit instead of just a take it or leave it dollar amount. Repayment options were also excellent.

Rated 1 out of 5 stars

I rarely apply for loans because of it dinging my credit. My husband and I own motels, Airbnb‘s and rental properties. Without asking for verification of any kind when I listed our monthly income, it... See more

Rated 5 out of 5 stars

This is my first time dealing with Echo. The process for applying for the loan was quick and easy. I had a few questions, so I called and the representative was easy to talk to and answered my questi... See more

Rated 5 out of 5 stars

It was very easy, too apply. The repayments were very different, I would have gotten more but the repayments i could not afford. Thank you

Rated 5 out of 5 stars

I want to thank Echo Credit for help when I needed it most. Echo Credit has a quick and simple application to apply for a loan. If you ever need help for a short time loan call Echo Credit. Also, the... See more

Rated 1 out of 5 stars

Awful customer service! On hold twice for 30+ minutes, then disconnected! Finally made a payment arrangement with a representative, then I received an email stating that the arrangement was void? P... See more

Company replied

Rated 5 out of 5 stars

I have never had anything go as smoothly as this transaction. I would recommend to anybody that needs that extra boost to help your current situation.

Rated 5 out of 5 stars

I liked that I was able to get the money deposited into my account quickly within the next day from requesting it late the night before.

Rated 5 out of 5 stars

They help you with a long and treat me with respect and trust by sharing strong feelings and understanding for my self

Rated 5 out of 5 stars

It was fast and easy to get my loan approved. I would recommend this company to anyone who might need a financial boost

Company replied

Rated 5 out of 5 stars

Awesome company to do business with. They we upfront with rates and followed through better than expected.

Rated 1 out of 5 stars

I believe they are a rip you off company. I borrow 2500 and already paid back 7000 and they still want more. Time i get done they will have 10,000. Way to high interest rates. Make sure you read their... See more

Company replied

Rated 5 out of 5 stars

Website are very easy access everything that I need to be update and request. On top of it I can afford the payment they give me. They are very fast and quick if you request the funds you need.

Rated 5 out of 5 stars

Easy to apply, reliable and fast to get the money you need. Safe me a lot of hassle. Excellent service. Thank you for solving my problem.

Rated 1 out of 5 stars

I made payments and Echo would send a notice that there were insufficient funds. However, I had money in the account. So they charged me fees because I was late. This happens many times.

Company replied

Rated 1 out of 5 stars

You have to wait days for the money to be deposited what happens if you have a emergency it should be a 24 hr turnaround

Rated 5 out of 5 stars

Fast and professional customer service rep!! Got my loan Fast just as I was told !!! Thank you Echoloan!!!! "FIVE STARS"🌟 All the way!!!!!

Rated 5 out of 5 stars

The response to my application was quick and very easy. The money was deposited as promised. I have already told my friends about this. Thank you for helping me.

Rated 5 out of 5 stars

Approving me when I really needed the extra help. And customer service answered all my questions

Rated 5 out of 5 stars

The importance of my needs for help. Thank you, Echo Credit, for that and working with me. Appreciated it.

Rated 1 out of 5 stars

I still have not received my loan. No response to my email of why I haven’t received any answers to my questions of why I haven’t

Rated 5 out of 5 stars

Hello My experience was very good easy to work with staff and website was good all so and the money 💰 that I got from Echo credit was deposited when they said it would be and I was able to c... See more

Rated 2 out of 5 stars

Website is terrible to use. Timeframe for things to reflect on the account is also terrible. It won’t allow me now to do an electronic payment.

Rated 5 out of 5 stars

It was quick and very easy to do. I could see immediately how much credit I would have left and how much would be payback amount.

Rated 5 out of 5 stars

Thank You I have had a good experience when I needed to talk with someone. They were very nice and very knowledgeable about what I needed

Rated 5 out of 5 stars

It was really quick, easy and hassle free process . It would be better if the payments were monthly instead of every 2 weeks

Rated 5 out of 5 stars

This company is awesome! Always there when your in a financial bind

Rated 5 out of 5 stars

The process was very simple and easy, and I didn’t have the best credit score, but Echo looked past it and gave me a chance, so overall I gave them five stars, because my overall experience from them... See more

Rated 5 out of 5 stars

My experience was really great. After requesting the loan, everything went smoothly and the funds were expedited to my account thereafter.

Rated 5 out of 5 stars

They handled my transaction quickly. I just wish that I was able to spread the amount into 3 monthly payments.

Rated 5 out of 5 stars

It was easy to apply and nice to get approved for a loan. I really appreciate it.

Rated 5 out of 5 stars

The money was deposited promptly. I called and the staff was very knowledgeable and helpful. Thanks!

Rated 3 out of 5 stars

Quick and easy very high interest plan on paying back as fast and as much as you can possible or you'll pay more in interest than getting you balance down.

Rated 1 out of 5 stars

The purpose of the credit line is to help people and the payments are too high and then it's bi weekly which is not good for most people. So are you really helping ?

Company replied

Rated 5 out of 5 stars

Being able to complete a request within 24hrs or less

Company replied

Rated 5 out of 5 stars

Easy to work with but wish I got more money and cheaper payments that would've been great.

Rated 1 out of 5 stars

They were not helpful in the slightest. Trying to talk to a person on their side is like trying to pull teeth. The website for bank verification that THEIR website automatically goes to was incorrect... See more

Company replied

Rated 5 out of 5 stars

Applying for echo Credit was easy and funds were instantly accessible.

Rated 5 out of 5 stars

Echo Credit approved me for a line of credit and when I applied for my first loan I was given a specific date as to when the funds would be deposited to my bank account and the deposit was there just... See more

Company replied


Company details

  1. Loan Agency

Information provided by various external sources

Echo Credit offers a simple, reliable way for customers to get a line of credit, and have the flexibility to repay it over a duration of time that makes sense for their lives and budget. We are committed to the lending of responsible credit products to eligible applicants in need of emergency cash. EchoCredit is a Lender that operates under the state specific rules for the states that it services. We do not lend or arrange loans in all states.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Rapid Response

Easy and rapid response,also immediate ACH to my bank account.

29 January 2026
Echo Credit logo

Reply from Echo Credit

Thank you. We appreciate your review.

Rated 5 out of 5 stars

The Best!

You can't get any better then Echo! They make it very easy to apply!

26 January 2026
Echo Credit logo

Reply from Echo Credit

Thank you. We appreciate your review.

Rated 1 out of 5 stars

Echo said insufficients funds when I had funds

I made payments and Echo would send a notice that there were insufficient funds. However, I had money in the account. So they charged me fees because I was late. This happens many times.

26 January 2026
Unprompted review
Echo Credit logo

Reply from Echo Credit

Our goal at Echo is to provide an excellent customer experience. We’d like to better understand what went wrong. Please contact us at 877-606-1340 or support@echocredit.com.

Rated 5 out of 5 stars

QUICK

QUICK, process with Superior results! Thank you

23 January 2026
Echo Credit logo

Reply from Echo Credit

Thank you. We appreciate your review.

Rated 5 out of 5 stars

I really appreciated the recent loan I…

I really appreciated the recent loan I received from your company , it was a great blessings to help me get my finances on track, and I received it in a timely manner .thanks to you I can get things on track….

Patricia Weathers
Thank You

22 January 2026
Echo Credit logo

Reply from Echo Credit

We’re so glad you enjoyed your experience with Echo, Patricia.

Rated 5 out of 5 stars

Get your money today

It was fast and easy to get my loan approved. I would recommend this company to anyone who might need a financial boost

20 January 2026
Echo Credit logo

Reply from Echo Credit

We’re so glad you enjoyed your experience with Echo, Rocky.

Rated 5 out of 5 stars

amazing

Echo Credit made the stress of recent financial worries diminish as it led me through the easy to navigate application process . It was quick , easy , and efficient . Thankful for a financial company that takes into credit way more than your credit no pun intended!

19 January 2026
Echo Credit logo

Reply from Echo Credit

We’re so glad you enjoyed your experience with Echo, Joe.

Rated 1 out of 5 stars

They were not helpful in the slightest

They were not helpful in the slightest. Trying to talk to a person on their side is like trying to pull teeth. The website for bank verification that THEIR website automatically goes to was incorrect for my bank. They wouldn't fix it. I had to use chats to get help, and they have no idea what they are doing either. I tried today, Thursday January 15th and Tuesday the 13th. They are not easy to get ahold of or know what's going on with anything. I wouldn't trust taking money from here.

19 January 2026
Unprompted review
Echo Credit logo

Reply from Echo Credit

At Echo we’re always trying to provide excellent service and be there for our customers. We’re always disappointed to hear when our customers feel we came up short. We really appreciate your feedback, we’ll be sure to use it and your situation to look for opportunities to improve!

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look