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American Web Loan

0 Rating
The Payday Hound Rating
  • Tribal Lender based in Oklahoma.
  • Very little information provided on their site
  • Unlicensed lender. Based in Oklahoma, Since 2003
NOTE: We are not affiliated with nor endorsed by American Web Loan. We are an independent review site that is 100% free to you.
American Web Loan Review
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$400 Maximum First Loan
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Bad Sniff Score
D- BBB Score
417 BBB complaints
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American Web Loan is a tribal lender owned by the Otoe-Missouria Tribe of Indians. Their site provides very little information regarding loan rates and terms. They state all rates and fees are based on creditworthiness and will be provided on the loan documentation once approved.

They do not appear to be licensed in any state and instead relay on exporting their tribal laws into the states they operate. The Payday Hound generally prefers state licensed lenders as lenders must abide by additional regulation.

The Better Business Bureau (BBB) reports numerous consumer complaints around "billing and collection issues, refund issues, concerns with sales practices, and unsatisfactory customer service." They state the majority of complaints appear to be caused by confusion regarding terms and conditions and this results in late payments, misunderstanding about loan terms, and late fees. This does not surprise us as their site contains very little information regarding loan terms. Most sites provide details on rates, fees, loan amounts and payback periods. We understand that terms may be dependent upon credit worthiness but most sites will provide ranges. We feel the lack of opaqueness is a big negative for this lender.

In addition to confusion around loan terms the BBB states there are complaints about straight out deception and misrepresentation during the sales process. The result being unexpected fees once a loan is actually booked. The Payday Hound reminds users to make sure they fully understand all the loan terms before agreeing to a loan. If you do not understand the terms or the lender refuses to share them we would avoid working the lender. All of this does not help if a lender is actually misrepresenting their terms!

The American Web Loan application is fairly standard asking for personal details, social security numbers, and bank details. Funding is also typical with next day deposit available if applications are approved early enough in the day.

American Web Loan does not appear to report anything to the credit bureaus. This means timely payments will not improve your credit score although failing to pay the loan may hurt your credit score if your loan is sold to a collection agency who does report to the bureaus.

American Web Loan does not appear to be a solid choice for borrowing money. The Payday Hound prefers lenders that provide more information and are state licensed.

NOTE: We are not affiliated with nor endorsed by American Web Loan. We are an independent review site that is 100% free to you.