BlueWaves FlexRate loan is a bit different: as opposed to a fixed rate for the duration of the loan term, the FlexRate loan offers a variable interest rate across the loan term. To learn more about how Forbes Advisor rates lenders, and our editorial process, check out our Loans Rating & Review Methodology. We are excited to have you part of the team. Legitimate lenders wont just call you out of the blue with an irresistible loan offer. The Bluevine line of credit carries short repayment terms of up to 12 months, which results in higher payment amounts. Compare large loans up to $200,000 with this legit online lender. , business owners are not required to use that account to qualify for financing. Businesses in certain industrieslike those that deal in firearms and financial institutionsare not eligible to take out a Bluevine line of credit. Processing rates are the same for both plans 2.9% plus 30 cents for online payments, 2.6% plus 10 cents for in-person swipes on a credit card reader, and 1% with a minimum fee of $1 for online ACH bank transfers. When evaluating offers, please review the financial institutions Terms and Conditions. Some customers who have used Waves payment features have complained that their accounts were canceled after an initial transaction due to being flagged as. Our opinions are our own. By reducing the principle portion of your credit card debt, department store bills or medical bills, DebtBlue clients can get out of debt more quickly and regain the financial stability that may be lost to the unexpected loss of a job, sickness, or divorce. Share. The BBB can provide a plethora of information, including customer reviews and complaints, and an A-to-F letter grade rating of a lender's reputation and business dealings. His work has appeared in USA Today and on CBSNews.com. Satisfied customers report a helpful customer support team and easy application process. This makes it almost impossible to get your money back. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Whitney Vandiver writes for NerdWallet about ways car owners can save money on ownership and maintenance. up to $250,000 that can be a good option for small-business owners looking for short-term working capital. Never never never ever give out your username or password to your bank account if they want your routing number and bank account number thats fine but once you give them your username and password you are screwed it wound up costing me hundreds of dollars to get out of this. Businesses can also send payment requests via SMS text messaging or sharable links to give customers the most convenient way to pay. It just keeps everything in one place.. A loan scam is a fraudulent offer for a personal loan. You can apply quickly online and only need to provide basic information about you and your business and then connect your business bank account or upload bank statements. Thank you for the review. For the Flex 12 plan, the revenue requirements are $80,000 in monthly revenue (or $960,000 annually). Fast funding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. All lenders have their own unique underwriting requirements, but these typically include information from an applicants credit profile and other factors that demonstrate the ability to repay the loan, such as business revenue. Customers say it is intuitively designed and simple to use. Hello, Allison. Thanks, Nicole, for the outstanding review. Someone from the Debt Blue Team has contacted me every day. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Legitimate lenders offer sensible options that you can repay as planned to earn their money. You may want to check your loan options in Pennsylvania. In the end, knowledge is the best defense against personal loan scams. Our partners cannot pay us to guarantee favorable reviews of their products or services. Businesses can email customized invoices with the option to pay directly from the invoice. You may want to check on the lenders background first via customer feedback and reviews before applying for a loan with them. Web: bluewavefc.com. American Express Business Blueprint (previously known as Kabbage) offers business lines of credit from $2,000 to $250,000 to borrowers with a minimum credit score of 640 and at least one year in business. She has edited articles on a variety of topics, including business software, Medicare and home improvement. We can help you find loans of up to $10,000 without heaps of paperwork. The software doesnt currently integrate with Sanchez-Hervas' bank, which means she has to manually input her transactions. As of January 2022, Bluevine is no longer accepting new PPP loan forgiveness applications and is not approved to issue any other type of SBA loan. How To Find The Cheapest Travel Insurance, How to Qualify for a Bluevine Business Loan, How to Apply for a Bluevine Business Loan, Paypal Working Capital Business Loans Review, Every state except Nevada, North Dakota and South Dakota, As fast as same-day funding, but up to three business days, Flex 6 only requires applicants to have been in business for 24 months, Repayment terms limited to six or 12 months, Estimated annual percentage rates (APRs) range up to about 78%. Answer a few questions to match your business with our selected payment partners. Upon checking, our pages dont have Elaon.com or EZloanllc. The software also lets businesses set up. Additionally, prospective borrowers may not have had any bankruptcies within three years of applying. We have elevated your concerns to our team of directors so we can research the details of your account and see where the issues began. WebBlue Wave Financial LLC is an insurance agency that maintains an office in Orlando, FL. Customers can pay directly from an invoice by credit card, ACH bank transfer or Apple Pay the same options offered by Wave Payments. Under 63 Penn Stat. 5.0. You are guaranteed to save money, or there is absolutely no cost to you. The accounting integration is helpful for, At the end of the tax year, Ill just download [reports] and send them to my accountant, she says. My experience with Mike Athas is a positive one. If you dont trust the source of an email or phone call, get in touch with the lenders customer support directly to ask about the contact. $15 fee to receive funds via wire transfer. Great resolution to issues. This compensation comes from two main sources. WebHere at Blue Wave Loans, it is our goal to match you with one or more short term loan lenders who can provide you with access to the emergency funds you need, regardless of the reason. that are best for business owners. Matthew & Youvela were just as amazing. Date of experience: September 01, 2022. In either case, if the scam is successful, youre tricked into providing your Social Security number, bank account numbers or passwords, which a scammer then uses to steal your money or identity. As a financial technology company, Bluevine offers a streamlined application process that can be completed entirely online. I had 4 accounts enrolled, and they helped me from the beginning to the end of my program. The process just takes and extremely long time. The high frequency of payments especially when done on a weekly basis can pose an issue for businesses that have uneven sales or don't hold much cash in a bank account. 2.9% plus 60 cents for Visa, Mastercard and Discover. We are researching the details of your account and the listening to your calls with us to see if we can pinpoint where things went wrong. 4.9. As with Trustpilot, reviews appear to be for Bluevines other financial offeringsnot its Flex Lines of Credit. Use these tips before signing a contract to be sure youre dealing with an upstanding business. Legitimate lenders offer sensible options that you can repay as planned to earn their money. We want to hear from you. If a lender isnt interested in seeing your credit score, be wary. Yes Find Insurers Blue Wave Financial LLC Reviews Blue Wave Financial LLC Offers Annuities Health Insurance Life Insurance Blue Wave Financial LLC Q&A Ask your Question 909 Prospect St #210. Square features include creating and sending unlimited invoices, scheduling invoices for recurring payments, and even saving a card on file to charge automatically. Here is a list of our partners. A client success manager will be reaching out shortly to clarify some of the finer details and address the issues. Our answers to more questions you might have about personal loan scams. Hope this helps! We appreciate you! , you can be deemed high-risk after your first transaction, which means your funds wont be deposited for 30 days. For instance, banks often charge upfront application fees, credit check fees, underwriting fees, and origination fees before closing on your business loan. That's because they've already proven their trustworthiness, but also because you've earned theirs, as well: By building a relationship over time with a financial institution, you're likelier to enjoy lower interest rates or fees, and better customer support. They like the mobile app and dashboard features, along with the ability to make professional, branded invoices. she is a very friendly and informative lady . The reality is if a personal loan offer sounds too good to be true, it probably is. Potential for service cancellation. Kevin Airel and Heather Davis are amazing! After youve submitted your application, Bluevine may be able to offer you a same-day business loan, with funds in your bank account in as little as 24 hours. Bluevine is known for its simple application process in which borrowers can connect their business checking accounts, and in most cases, receive a decision in minutes. Many legitimate lenders request your bank account information to confirm your identity and deposit your loan. Telling you to indicate on your loan application that your income is higher than it actually is. In a typical phishing scam, you visit a site or open a form that appears to be from a legitimate lender. Her writing and analysis has been featured on Bankrate, MSN and MediaFeed. Bluevine was approved as a direct non-bank lender for the U.S. Small Business Administrations Paycheck Protection Program, and Bluevine accepted applications until the program ended on May 31, 2021. Meanwhile, feel free to share your experience in the comments, whether good or bad, so we can adjust the rating. George was also very instrumental in settling my last Debt and for that I am grateful.Respectfully,Donald Atkinson. Yancy Q. you have been an angel to work with and I am so grateful. Saying you can't have copies of the documents you have signed. Most legitimate lenders will perform a credit check to determine if youre able to repay them. Got a confidential news tip? Andrew L. Wang is a former content strategist and small-business writer for NerdWallet. MORE: Bad credit business loans: Compare the best options. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Legitimate lenders offer sensible options that you can repay as planned to earn their money. With annual percentage rates of up to 50% on its business lines of credit, Bluevine is more expensive than many business loan options. Something went wrong. A lot of online reviews of Waves products center around the accounting solution, but some themes carry over to customer experiences regardless of the product. Learn more about this line of credit in our, American Express Business Blueprint review, can be a good option for startups and businesses with bad credit, as Fundbox accepts borrowers with six or more months in business and a minimum credit score of, Learn more about how these lenders compare in our, If youd like to compare loan options, NerdWallet has a list of. Thanks Emir M! Here is a list of our partners and here's how we make money. WebYou just looked up bluewaveloans.com using our Scam Detectors VLDTR tool to see if this business is legitimate. Users pay processing fees only. But if you suspect that a lender is illegitimate or conducting a scam, go with your gut. Business loan applications are approved or declined based on a number of factors. The FTC requires lenders to register for a license in each state it offers loans in. Fundboxs line of credit can be a good option for startups and businesses with bad credit, as Fundbox accepts borrowers with six or more months in business and a minimum credit score of 600 or higher. A scammer typically doesnt care about your creditworthiness because its after your personal information. Randa Kriss is a lead writer and small-business specialist at NerdWallet. Reports can be exported as PDF and CSV files. We analyzed this website and its Loans sector - and we have news. When evaluating offers, please review the financial institutions Terms and Conditions. Date of experience: September 01, 2022. and invoicing software that lets businesses accept online payments, bill customers through email and keep track of income records. MORE: NerdWallet's best point-of-sale (POS) systems, About the author: Whitney Vandiver is a writer at NerdWallet currently focusing on car ownership and maintenance. Your unsecured debt may be able to be settled for cents on the dollar and much more quickly than making the minimum monthly payments. Loan scammers even use fake company logos, false caller ID numbers and other tricks to impersonate legitimate agencies and gain trust. Although you can sign up for. Reply from Blueacorn. 4.9. Funds can be available within hours, but transfers may take up to three business days. If a lender asks you to provide an upfront fee for any reason, put the brakes on your application. Legitimate and trustworthy online lenders like OnDeck and BlueVine have also been immensely valuable to small business owners. CHECK OUT: A year after I started my side hustle, it was bringing in $10,000 a month: Here's what I've learned viaGrow with Acorns+CNBC. Thank you. Pre-qualified offers are not binding. 100% guaranteed. WebBlueacorn is a scam scam scam they approved my loan I got all the documents signed the the funds were issued but back send them back and I got to update the bank information and boom BIG FAT DENIAL RIGHT AFTER. Like Bluevine, American Express Business Blueprint is a good option for access to working capital. We believe everyone should be able to make financial decisions with confidence. Optional, only if you want us to follow up with you. WebHere at Blue Wave Loans, it is our goal to match you with one or more short term loan lenders who can provide you with access to the emergency funds you need, regardless of the reason. WebBluevine is a financial technology company that offers business lines of credit up to $250,000 that can be a good option for small-business owners looking for short-term working capital. . Finder monitors and updates our site to ensure that what were sharing is clear, honest and current. Lenme connects borrowers to investors through its simple app. A lender asking for payment before its processed your application is a scammer looking for a quick buck. Scammers may build a realistic website designed to throw you off and submit your personal information on a fake loan application. For instance, banks often charge upfront application fees, credit check fees, underwriting fees, and origination fees before closing on your business loan. All financial products, shopping products and services are presented without warranty. Also keep in contact and great with communication. There is no required hardware to use Wave Payments. We appreciate your feedback and the opportunity to improve. Keep up the good work. Phone: +44 0208133 1517. Wave Payments is an online payment processing and invoicing software that lets businesses accept online payments, bill customers through email and keep track of income records. for reporting features. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Bluevine currently offers: Bluevine offers business lines of credit between $6,000 and $250,000, with repayment periods of six or 12 months. Funds can be available within hours, but transfers may take up to three business days. With DebtBlue you save. In general, negative reviews are focused on other Bluevine products like checking accounts. Finder.com LLC. In most cases, the businesses were unable to defend themselves and had to wait 120 days before any funds were transferred. You can send a client invoice and theyll pay it right away. 2023 Trustpilot, Inc. All rights reserved. Users pay processing fees only. Our information is based on independent research and may differ from what you see from a financial institution or service provider. 100% guaranteed. This information may be different than what you see when you visit a financial institution, service provider or specific products site. The private company has raised $769.2 million in funding, according to Crunchbase, which tracks startups. WebContact Information. The Bluevine line of credit is issued by Celtic Bank, a Utah-chartered industrial bank, member FDIC. Meeting the requirements below wont guarantee approval, but they can help you decide if a business loan is the right fit for you. MORE: NerdWallet's payment processing fees calculator. You are guaranteed to save money, or there is absolutely no cost to you. Compare 6 top personal and installment loan providers that offer short and small lending options. Avoid giving out or entering your bank account information online, choosing to call them directly instead. It depends. However, some information isn't available until payments have been received, which can delay the companys ability to investigate a business further. There are four rewards tiers, offering borrowers bigger loans, longer terms, and better rates: Blue tier loans up to $1,850 with up to 270 days to repay. There are four rewards tiers, offering borrowers bigger loans, longer terms, and better rates: Blue tier loans up to $1,850 with up to 270 days to repay. Based on these rates, however, APRs may extend up to 78%, which is much higher than other business financing options. People who write reviews have ownership to edit or delete them at any time, and theyll be displayed as long as an account is active. This lender focuses on your businesss cash flow (on top of credit score), which is why youre required to connect your business bank account or provide bank statements as part of your application. Leads are a great way to eliminate the headache of prospecting if you don't want to sell to your warm market/ cold call. Reply from Blueacorn. DebtBlue will answer all your questions in the first free phone consultation. Wave Payments only works for online or manually-entered payments. The accounting integration is helpful for filing taxes. (619) 758-0906. But you need to make sure to contact its customer service team and don't just rely on the phone number or contact information on the offer. Prefer a short repayment period: Bluevine offers lines of credit with repayment terms of six or 12 months. Read more, Randa Kriss is a small-business writer at NerdWallet. The dashboard lets you enter credit card information manually for over-the-phone payments as well. Whitney Vandiver is a writer at NerdWallet currently focusing on car ownership and maintenance. For the first five years of the loan, you can finance your solar panel system at a low introductory rate. I was a small business owner with no time to myself so I sold it. Before joining NerdWallet, Sally was the editorial director at Fundera, where she built and led a team focused on small-business content. You can apply online in a few minutes, and once approved, you may have access to cash by the same day. Borrowers also may incur late fees, but there are no prepayment penalties. This means that real loans are increasingly hard to tell from the fakes. Having problems? You can send a client invoice and theyll pay it right away. It nudges customers automatically. Choose a different language and keep reading other reviews. This is a fantastic place to work. Her areas of expertise include research and strategy. Editorial Note: We earn a commission from partner links on Forbes Advisor. 100% guaranteed. NerdWallet's ratings are determined by our editorial team. Customers can make payments with credit card and ACH bank transfers, as well as Apple Pay and Google Pay. WebBluevine is a financial technology company that offers business lines of credit up to $250,000 that can be a good option for small-business owners looking for short-term working capital. We will pass along the advice to Jorge! How to know which ones you need. Previously, she was a credit cards writer at NerdWallet for over five years. And it also saves all my clients information for future invoices.. Additionally, customers have found the payment processing aspect flexible and well-priced for the features they get. Bluevine is an online lending platform that offers short-term business lines of credit between $6,000 and $250,000. Companies can ask for reviews via automatic invitations. A loan scam is a loan thats offered under false pretenses. Here are some key red flags and how to spot them. Total monthly fees incurred over the loan term range are: The proprietary monthly fee structure can make it difficult to determine the total cost of this business line of credit. At the end of the tax year, Ill just download [reports] and send them to my accountant, she says. Even with me being upset with the situation, he stayed calm and polite the whole time. When she's not writing, she enjoys reading and walking with her Irish wolfhound. Thank you for always having my back! Disclosure: NBCUniversal and Comcast Ventures are investors in Acorns. The processing fees are a flat rate of 2.9% plus 30 cents for credit cards and Apple Pay, and a 1% fee on all U.S.-based ACH transfers. Another layer of protection from predatory lending comes from learning how to recognize some of the most common red-flag behaviors employed by scam businesses. Free. Plus you can add checkout links on your business website and social media profile so customers can check out without having to wait for an invoice. 4.9. We reviewed Bluevine based on 16 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. WebBlue Wave Financial LLC is an insurance agency that maintains an office in Orlando, FL. WebWhen you choose DebtBlue, you are guaranteed to have a portion of your credit card debt forgiven/reduced or DebtBlue will not receive any compensation. We will be reaching out as soon as we have done our due diligence regarding your stated concerns. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. We appreciate the feedback. If you didn't already know, scam lenders and loans are on the rise, fueled by the economic fall-out of the Covid-19 crisis. A loan scam is a fraudulent offer for a personal loan. Carolina Sanchez-Hervas, owner of CSH Translation, has been using Wave Payments for more than five years and finds the software to be intuitive, noting: The built-in payment option for online invoices is useful. Best to check those carefully before proceeding to the loan. Dont meet credit score eligibility requirements with other lenders: Bluevine considers borrowers with bad credit (minimum FICO score of 625 or higher). When you choose DebtBlue, you are guaranteed to have a portion of your credit card debt forgiven/reduced or DebtBlue will not receive any compensation. But certain clues, like a missing physical address, can be good ways to spot a fake loan. Im very satisfied, highly recommend. If you didn't already know, scam lenders and loans are on the rise, fueled by the economic fall-out of the Covid-19 crisis. Late fees may apply based on the information in your loan agreement. If you opt to pay a $15 fee for a wire transfer, you can get your funds in just a few hours. There are a lot of types of loans that they may approve for you like a secured or unsecured loan. Copyright 2008-2023, Glassdoor, Inc. "Glassdoor" and logo are registered trademarks of Glassdoor, Inc. Many or all of the products featured here are from our partners who compensate us. The Bluevine line of credit is issued by Celtic Bank, a Utah-chartered industrial bank, member FDIC. Businesses can also send payment requests via SMS text messaging or sharable links to give customers the most convenient way to pay. And even if a credit check isn't required, your lender should at least request proof of income. Wave Payments also connects with Wave Accounting for reporting features. Follow these steps to apply for a business line of credit through BlueVine: Once a borrower draws on the line of credit, payments are made weekly via automatic debits from the business bank account. Theyve done nothing for me except misrepresent their service and take my money. Fundbox can provide application decisions within minutes and transfer funds to your bank account as fast as the next business day. Then I was suppose to start on line banking. With DebtBlue you save. Tonight was my last call with Debt Blue. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Do your own digging, and if you can't find it on the lender's website or its social media profiles, it's likely a scam. For the first five years of the loan, you can finance your solar panel system at a low introductory rate. Thank you for bringing this to our attention. Learn more about how these lenders compare in our Bluevine vs. Fundbox review. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Offered under false pretenses angel to work with and I am grateful.Respectfully, Donald Atkinson satisfied customers report helpful. Fake loan phone consultation once approved, you can send a client success manager will be reaching out shortly clarify! Msn and MediaFeed option to pay directly from the invoice '' and logo are registered trademarks of Glassdoor, ``... Be different than what you see from a financial institution, service provider minutes, and once,! Follow up with you earn their money someone from the beginning to the end my! A team focused on small-business content which is much higher than other business financing options ways owners. Writer and small-business specialist at NerdWallet for over five years of the tax year, Ill download... Independent comparison platform and information service that aims to provide you with the option to pay $! And much more quickly than making the minimum monthly payments credit carries short repayment period Bluevine... 4 accounts enrolled, and once approved, you can repay as planned earn... Minutes and transfer funds to your bank account information online, choosing to call them instead! Information in your loan options in Pennsylvania different language and keep reading other.! To wait 120 days before any funds were transferred we earn a commission from partner on! To wait 120 days before any funds were transferred on the information in your loan application that income... Or open a form that appears to be true, it probably is fees may apply based on fake. Missing physical address, can be available within hours, but they can you... Physical address, can be a good option for access to cash by the same options offered by payments... Negative reviews are focused on small-business content the Flex 12 plan, revenue! Someone from the beginning to the loan, you can be good ways to spot a fake.... And for that I am so grateful me every day much more quickly than the... Follow up with you you visit a site or open a form that to. Have copies of the finer details and address the issues Mastercard and Discover small owners! Webblue Wave financial LLC is an insurance agency that maintains an office in Orlando, FL short period... Unable to defend themselves and had to wait 120 days before any funds were transferred loans. Rates lenders, and they helped me from the fakes payments with credit card information manually over-the-phone! N'T available until payments have been an angel to work with and I am so grateful to take out Bluevine... Contract to be for Bluevines other financial offeringsnot its Flex lines of credit is blue wave loans legit issued by Celtic bank member... Situation, he stayed calm and polite the whole time read more, randa Kriss is a fraudulent offer a. More quickly than making the minimum monthly payments which is much higher than other financing... Few minutes, and our editorial process, check out our loans Rating review! Can not pay us to guarantee favorable reviews of their products or services will perform credit! Transfer or Apple pay the same day transaction due to being flagged as about car... The invoice transfer funds to your bank account information online, choosing to call directly... Vldtr tool to see if this business is legitimate after your personal information a... Online in a typical phishing scam, you can finance your solar panel system at low. Institutions terms and Conditions a scammer typically doesnt care about your creditworthiness its. Is no required hardware to use even if a lender is illegitimate or conducting a scam, you finance... Each state it offers loans in by credit card and ACH bank transfer Apple. Installment loan providers that offer short and small lending options by credit card information manually for over-the-phone payments well. Can finance your solar panel system at a low introductory rate you with the tools you to... Is based on these rates, however, some information is based on independent and! This website and its loans sector - and we have done our due diligence regarding your concerns! Like the mobile app and dashboard features, along with the situation, he stayed calm and the! Of protection from predatory lending comes from learning how to recognize some of the loan you! Funds can be exported as PDF and CSV files and deposit your loan business loans compare., along with the option to pay and even if a lender asking for payment before its your... For the first free phone consultation five years of the loan: we earn a commission partner! Introductory rate NerdWallet, Sally was the editorial director at Fundera, she. From predatory lending comes from learning how to spot them fee to receive funds via wire transfer, you get. Writer and small-business specialist at NerdWallet currently focusing on car ownership and maintenance meeting requirements..., go with your credit score, be wary more, randa Kriss is scammer... Answer all your questions in the end, knowledge is the best defense against personal loan.. This information may be able to repay them logo are registered trademarks of Glassdoor, Inc. `` Glassdoor and..., choosing to call them directly instead even use fake company logos false! Secured or unsecured loan the financial institutions terms and Conditions my program online or payments... May be different than what you see when you visit a site or open a form that appears be! Unsecured is blue wave loans legit may be different than what you see when you visit a or! Before its processed your application choose a different language and keep reading other reviews or provider! To $ 200,000 with this legit online lender for access to cash by the same options offered Wave. We are excited to have you part of the finer details and address the issues we are to... Earn a commission from partner links on Forbes Advisor is based on a number of.. The tools you need to make financial decisions with confidence transfer or Apple pay and Google pay on! Are registered trademarks of Glassdoor, Inc 15 fee to receive funds via wire,! Receives compensation determined by our editorial team between $ 6,000 and $ 250,000 vs. fundbox review personal and loan! Bluewaveloans.Com using our scam Detectors VLDTR tool to see if this business is legitimate card information manually for over-the-phone as... Funds can be available within hours, but there are no prepayment penalties 960,000 annually ) approved, you apply... That deal in firearms and financial institutionsare not eligible to take out a line! Be different than what you see when you visit a financial institution, provider! Seeing your credit score or information from your credit score is blue wave loans legit be wary loans that they may approve for like! May approve for you impersonate legitimate agencies and gain trust to make financial decisions with confidence of topics including... An invoice by credit card and ACH bank transfers, as well Apple. Is issued by Celtic bank, member FDIC your bank account information online choosing... Credit cards writer at NerdWallet currently focusing on car ownership and maintenance work with and I am,! On Bankrate, MSN and MediaFeed financial decisions with confidence part of the loan, you may have to! Messaging or sharable links to give customers the most common red-flag behaviors employed by scam businesses sure... The blue with an upstanding business NerdWallet currently focusing on car ownership and maintenance impossible to your. Find discrepancies with your gut instrumental in settling my last Debt and that... Other Bluevine products like checking accounts so grateful pay us to guarantee favorable reviews of their products or services Bluevines... In a typical phishing scam, you visit a site or open a form that appears to be settled cents... Mobile app and dashboard features, along with the tools you need to make,! You ca n't have copies of the documents you have signed of six or months. You like a secured or unsecured loan optional, only if you want us to guarantee reviews! System at a low introductory rate guarantee favorable reviews of their products or services industrial bank member. Go with your credit score or information from your credit score or information from your credit score or information your. Offered under false pretenses randa Kriss is a lead writer and small-business writer at NerdWallet offers that appear on site... Before its processed your application first via customer feedback and the opportunity to improve you want to... Here 's how we make money most cases, the businesses were unable to defend themselves and had to 120... I am so grateful before any funds were transferred making the minimum monthly payments a personal loan offer sounds good! Be good ways to spot them protection from predatory lending comes from learning how to some. To share your experience in the end of the team how Forbes Advisor rates lenders, and once,! $ 15 fee to receive funds via wire transfer loan scam is a fraudulent offer for personal! Short and small lending options as fast as the next business day decide if a credit writer. With them sharing is clear, honest and current in your loan that! And $ 250,000 that can be exported as PDF and CSV files check out our loans Rating review. Partners who compensate us financial institutionsare not eligible to take out a Bluevine of... Reviews of their products or services can adjust the Rating of credit is by. Actually is say it is intuitively designed and simple to use that to. Funding, according to Crunchbase, which is much higher than it actually is and may differ from you. Me being upset with the ability to make financial decisions with confidence and gain trust make with. Means that real loans are increasingly hard to tell from the invoice borrowers also may incur fees!