The Borrowing Club
Reviews and Complaints

Joshlyn was the best. She is very knowledgeable, patient, pleasant, and professional. She answered all my questions with ease and made sure I understood everything. It was refreshing to converse with a true professional who understands the importance of exceptional customer service. Because of Joshlyn, I feel confident in referring my family and friends to Nationwide Consultants.

As soon as I signed up, borrowing club was on top of it. Joseph M. was helpful and made sure I was informed every step of the way. He made sure to apply to the loans that fit my budget and would accept my application. I was accepted right away and just took a few days. I would highly recommend. If you have a busy schedule, they can put the time in for you to look for the right loan.

They are so great and awesome so nice and helpful.

I wanted to say how awesome these guys were I was down on my luck and noone would help me but they did they listen to me and when they saw me as a person not just a number they gave me a loan. If it wasnt for them I don't know how I would get back on track thank you guys so much. If any one need help with a loan check these guys out.

Outstanding customer service. Jessica Noel's cheerful and kind spirit, made me feel right at home, so to speak, as she navigated, step by step, through the loan process with me. Jessica meticulously guided me through the whole process making everything easy to understand. If I had any questions she explained everything, with an exuberance and joy. I've rarely encountered any person that exhibited the kind of professionalism and happy, upbeat attitude that she has. Thank you so much Jessica for getting me a very good deal.

I would like to thank my personal loan advisor Jennifer Stanley for providing exceptional customer service. She was absolutely amazing. Her help throughout this process has simply been outstanding. Thank you so much. Much appreciated. I have an opportunity to get my finances in order now thanks to Jennifer and the borrowing club. Thank you so much for making this happen. Jennifer's help in securing the loan offer from Best Egg was very helpful. My rating for Jennifer's assistance during this process is 5 stars. Thanks again. I appreciate all your help in this matter.

AMAZING SERVICE! I have never in my life recieved such outstanding customer care and attention to detail. My agent, Adam L., was more than superb. His care, thoughtfulness, and overall committment was beyond my expectations. He kept me informed, smiling, and most importantly was able to take care of my need for a consolidation loan. The Borrowing Club was able to get me the best deal from the best company to fit my needs (which Adam advised me through the entire easy process). I would definitely recommend Adam L. and the the Borrowing Club to anyone who is in search for a loan.

I have been trying to figure out a way to get my debt consolidated with loans. It is hard to navigate through all of these companies offering loans, who then turn around and turn down my applications when I apply. I worked with Jim, and he was amazing. He knows all the different companies, and how to get you the offers you need. If you have let your debt get away from you, but have the means to pay through a consolidated loan, I highly recommend using this company. He did so much work for me, when I would have given up myself. I am now able to get my debt under control. Thanks Jim!

The representative at the Borrowing Club was very professional and quick to respond. She was also extremely polite and willing to help in any way she could. I definitely recommend working with her as she made this process very simple and stress-free. The only thing I would recommend to The Borrowing Club is to create a document that shows the list of lenders, monthly payments, and interest rates so consumers can compare their options easier. I personally prefer to have documentation before making a decision. On the contrary, the representative also made it easier for me to understand even without the visual documentation! I highly recommend her!

Thank You, Thank YOU, THANK YOU! Never expected this! received more than expected and its Life changing! Thank You Jessica for all your calm and friendly guidance, you made all the intimidating technology and overwhelming details, easy to understand. For Your Sincere, Friendly and Individual Attention to My Loan needs! I could not believe how fortunate I was with your help in making this application and technological process seamless and easy. No Stress and in fact, you made me feel like you are a family member. Your Service is worth every penny! My Life , Bills and Credit will all improve because of you and your establishment. Can't say it enough! but I Will! THANK YOU!

I am writing to comment on the excellent service, kind care, patience and professionalism I enjoyed while working with Joshlyn Hidalgo. She has an approach and style which is hard to find these days. She made me feel comfortable immediately. Never rushed me - pressured me, or tried to lead me. Just clear and honest information - presented clearly - and the patience of a Saint to answer all my questions...and I had a lot. She is an asset to this company. Otherwise I'm not here spending my time to make sure she is recognized for her excellent service! For anyone thinking of applying through The Borrowing Club - They have their superior rating here for a reason. They take great care with their clients. If you are really lucky - you might just get Joshlyn to help you with your new loan!

Wow! Ilan provided the best customer service I have ever experienced and I have already recommended The Borrowing Club to friends and family because of Ilan's impact. He was patient, informative and so extremely polite and professional. Ilan has really raised the bar for customer service to me. All companies need employees like Ilan! This gentleman should be the standard for customer service. I worked in corporate marketing and sales for three years. We utilized a service survey through a system called Medallia. Customers would post glowing reviews of salesmen and we could occasionally grow numb to the surveys. I extremely hope this survey has an impact because this gentleman DEFINITELY deserves a raise or something of the equivalent. I would envy the competition with a business that has Ilan!

Yes, they "helped" me get a loan; a loan I could have gotten on my own. This is a middleman company. They don't do anything extra by way of improving your chances of getting approved. They don't have deals with lending institutions that the general public can't access. It's all a bit scammy; especially when the agent tells you not to say anything to the lender about using their service because lenders don't like dealing with brokers. I realize everything is legal and I wasn't lied to and I understood how they work. I just regret using The Borrowing Club (aka Nationwide Loan Consultants) because paying 10% of a loan to a company who did what I could do on my own is a bit steep. ***, the agent I dealt with, was professional, no complaints about him. However, I just feel stupid having used this company. Caveat emptor

I would have rated no stars if possible. On July 19th I applied for a loan. I received a text from *** stating to call & go over loan options. I was provided TBC 844 number to return his call & was provided a prefunding #. The representative who answered tried to have me redo the whole application process again even when I provided her with ***'s name & the prefunding number. On Monday I get a call from Johan from TBC who is in their debt consolidation group. I was perplexed why I'm getting a call from a debt consolidation group if I'm approved from a loan since I never requested to be contacted by a debt consolidation group & was given the impression I had been approved for a loan. On Jan 20th I spoke to *** in TBC customer service group & explained the situation. She transferred me to an individual who was going to connect me with a manager. The manager was on a call & I was told I would receive a call back from the manager within 15 minutes. No call from a manager was returned. On July 21st I again spoke to *** who shared with me that when she pulled my credit report on Experian it was 629 which met the requirements for a loan. *** then mentioned that someone else who the application had been referred to had pulled my credit report in TransUnion & it was 587 which didn't qualify for a loan & would explain the process of getting referred to a debt consolidation. This company has huge issues providing accurate information & properly communicating with customers. In the last 24 hours I have had 6 phone calls from non legitimate lenders from FL & CA who received my information more than likely from TBC. These folks obviously don't have their act together. Save yourself the time & trouble & borrow elsewhere!

Today, I applied for a loan with The Borrowing Club after receiving a letter in the mail. I'm in desperate need of a way to lower my interest rates on my current loans so I was really excited to explore this option. The application process was quick and easy. I got a call from Krista or Kristin Mccoy the same day. She informed me I was unfortunately not approved but said they have other debt resolution options. When I expressed I was frustrated with the company because I was under the impression that the letter I received was a pre-approval, Krista curtly interrupted me, and advised in a less than pleasant tone, that the letter does NOT say pre-approval, but instead says, "pre-selected". I'm still frustrated about being denied so I say that the wording in the letter is intentionally trying to trick people into applying, Krista rudely interrupted me and said, "We have better things to do than try to trick people, I'll get your file closed, good bye". And disconnects in my face before I say literally anything else. I call her back right away, she doesn't answer her direct line two times, I believe she forwarded the calls. Then on the third call she answers, I say, "Hi Krista, I just had a few more questions, is there a main customer service line or do you have a supervisor?" she says something along the lines of she is one of the most senior reps, they are a small office so basically there isn't anyone else I can speak with but she just thinks it's "wild" that I think they're trying to trick people. This time I interrupted her, and told her that I also work in customer service taking phone calls, and it was not okay at all for her to rudely interrupt me as a potential customer, and that there are ways to de escalate situations when customers are frustrated and interrupting them and disconnected basically in their face is not it. Maybe she needs to be trained in call control when a customer is annoyed by receiving bad news that they were not approved. I wasn't being a bad customer, I wasn't raising my voice at her, I was unsatisfied with being denied and all she did was make the situation 10 times worse. It was a recorded line so I hope someone can listen to our interactions and see how your company can provide better quality customer service in the future. Because the whole process was smooth and easy up until then.

I talked to the Borrowing Club on 10/31 and we made a deal. But then I didn't get any good offers (one was 31% interest, can you believe it?), so I talked to someone and said I wanted to check out other options like a home equity line of credit. But then they got all crazy on the phone and said if I did that, I could never sell my house. It was super intense and made me feel really uncomfortable. And now, because I took a loan for my biz from some other company that the Borrowing Club didn't even introduce me to, they wanna charge me over ten grand. Like, seriously? This is supposed to be a company that helps people get out of debt, but they're just making it worse. Crazy, man.