Instant Cash Flow Main St, Logan

These guys have always been very friendly and accommodating to our needs when needing a loan. I've always gotten pretty good customer service and quick replys to emails or texts. I definitely recommend instant cash flow

Chad, the owner, is like dealing with a trustfund born irrational-prince. I have never been so taken back by the unfiltered, unprofessional, and imature behavior he shows in any conversation or email. He has no tact, and loves to threaten, I've tried every angle with that guy, and there is no changing his abrasive tone. If you want to get abused and taken advantage of, get a loan here. FYI, my $400 loan payment was $130 every two weeks, which I paid for 2.5 (5 payments) months, when I went to pay off, they said I owed another $675, even after my 5 payments of $130 for a $400 loan. Literally the worst, but even worse than the outrageous fees is trying to have a civil conversation with a combative irrational person. DO NOT LOAN HERE! They threaten to sue you after one day late, the threats are childish yet relentless!!! Grow up Chad!!

I was going to look for a loan but this place seems very sketchy from what read from the comments and chad seems very rude from what I read. So I would advise everyone else to stay away too

I absolutely love this place. Anytime I’m in need of some extra cash, these guys help me out. They are very quick and professional. I go to them every time and recommend them to my friends

Not a critique, but why is this listed as a pawn shop by Google? It's evidently not.

I called these guys today and spoke with Wyatt. He is a prince among men.. Even though a loan was not possible for me at this time, he was patient and kind to me. He clearly cared more about me as a person than others agencies I spoke with. He explained the process of the loans in such a way that I was able to make a the best decision I could.

I have had many loans with this company and I must say they treat their customers like garbage. They must get Chad away from customers. He is by far the rudest person I have dealt with, unbelievabley so. In the 5 loans I've had here, I've always paid in full and on time. The one time I was 4 days late due to being in the hospital I came home to several emails and messages that threatened legal action and triple my loan amount in fees. LEGAL ACTION, are you kidding me? Give me a break guys, 4 days! Its not like I was some new client. I was a loyal long term client, but no more. Let me know when Chad leaves your company and I may come back, until then, peace out!

This is a great place to borrow money from when in need. It's super easy, all I do is email them and they send the money instantly if you give them your debit card number, with checking account and routing number you'll receive your funds the next day. They always reply to my emails the same day and are very polite. Never any hassle with them, I love this place, they have saved me many times in sticky situations where payday was just too far away. I highly recommend this company.

This place rocks! Always there when I need a little extra help.

This place is one of the best, I have been through The customer service is amazing, and communicating with them has been a breeze and works around my schedule so no added stress of when I'm gonna have time to call. Also chad has been great and very understanding. I think that's what makes this place great because they understand life happens, and having a loan company that wants to work with you is the best.

Do not loan from them! Edit: As seen below, Chad cares more about leaving unprofessional comments than being responsive to his clients while they are in business with him. It is my opinion that people should steer clear. Open and professional communication would’ve allowed this situation to easily have been resolved, but I was not given that opportunity. --- If that's one thing you take away from my review please let it be that. There are many things I can say about my loan experience with Instant Cash Flow. Most of it having to do with the owner, Chad (Nathan). If you look through other negative reviews or the two complaints on the BBB website you'll see his responses. They are grossly unprofessional. If he responds to my review it might be as well, he likes to condescend from what I have experienced. Thankfully I was able to figure something out and pay my loan in full today. If you can avoid doing business with ICF please do so. Sometimes life throws you into a mess and you cant do much about it. He was upfront with the interest rate of more than 600% however, I'll include a bit of the contract sent to me below. "I hereby authorize Instant Cash Flow to initiate debit/credit entries to my account for all payments due, including any returned unpaid item fees due, on which the subject of this agreement is drawn and the Financial Institution at which the account is held to debit/credit the same to such account, including debit/credit card as well as electronic payment. This authority is to remain in full force and effect until ICF and the subject Financial Institution have received written notification from me of its termination in such time and in such manner as to afford ICF and said Financial Institution a reasonable opportunity to take act on it. I understand that I may cancel this authorization by providing written notice to ICF at least ten (10) business days prior to the payment due date. I further understand that canceling my authorization does not relieve me of its responsibility of paying all amounts due in full. You agree to pay all reasonable attorney’s fees in the event of default and all referral fees to an attorney. I also understand in the event that there is a deposit for my check and it is returned from the Fin. Inst., I agree that ICF may electronically represent it to the bank and include any applicable service charges, collection fees, and damages. " This is standard in most contracts, however even though in the contract it indicated that you can revoke ACH debits, that is not the case. They will tell you that in order to revoke your permission you needed to make a payment before the due date. That is not included in the contract, however he likes to say his contract is "iron clad". However, that is not the case and he obviously breached the contract. Chad (Nathan) refused to comply with the request and still ran the ACH. I went to my bank to stop the payment but he had my card number. He then proceeded to run my card and take out the money that way. When I asked where he received the card information, which I gave once for the initial deposit, he ignored me and then hung up on me. I was going to let it to go to collections with his lawyers and dispute the charge as he voided the contract. I managed to pay in full today and thankfully will never work with Chad (Nathan) again. The initial deposit did come quickly, so if you need the money for a day or two then go ahead. But beware if you need it for more than that. If possible use a prepaid card to make payments. They will only take payments over the phone or email/text. They have no secure way of doing it. Just protect yourself.