Basically a waste of your time. I have read some of the responses from CreditCube to applicant'ts and they just continue to show their lack of professionalism. CreditCube mentions they ask clients off the bat if they have direct deposit, however that is NOT true. I went through the entire loan application and "do you have direct deposit" was never mentioned, although it apparently is a must to have direct deposit in order to be considered for a loan. Also, you must meet the following requirements:
•Be at least 18 years of age.
•Live in a state serviced by Credit Cube.
•Have an active and valid checking account.
•Have a job or regular proven source of income.
•Have an email address and verifiable phone number.
Does anyone see "Direct deposit" on there? Me either. They took all of my information and even APPROVED me for $400, despite me not having direct deposit. It wasn't until the next business day that I got a text message stating my loan had been withdrawn. At first I though this may be due to me not reaching out to claim my $400, but after spending 45 minutes on hold I decided to just email to see what had occurred. That is when I was informed that they do not offer loans to people without direct deposit. There are TONS of businesses who do not offer direct deposit to their employees, but that is what check stubs are for, to prove income, which is what they mention on their website, that you must PROVE income. No biggie for people who have check stubs, right? Ha. Nope. They must have direct deposit. Again, the biggest issue is that direct deposit was never mentioned as a requirement prior to me filling the application out. Had it been mentioned, I would not have wasted my time because I am 100% aware that my job does not offer direct deposit. So, thank you CreditCube, for the wasted time and misleading information on your website. I strongly suggest you guys fix your entire company, along with those ridiculously high repayment totals. I guess overall you guys did me a favor by NOT approving me. I can go get (and have) a payday loan in the amount of $400 and only pay back $496. Where do you all get your math from?
BE AWARE --- GO TO YOUR LOCAL PAYDAY LOAN PLACE. YOU WILL BE DOING YOURSELF A FAVOR