Is a legitimate financial choice?
It seems that the choice of Financial may not be a legal loan market. The company does not have any presence on social media, there is no profile on TrustPilot and only three reviews on BBB – all of which are complaints.
In addition, on the theme of Reddit, many people complain about receiving deceptive marketing materials about the Financial selection. One of the redeemor who claims to be a former employee said that the company is participating in the tactics of bait and switching by offering loans, but then tries to make people in debt verification programs instead.
The company also lacks a material office, which is another red mark. If you search for the company’s address, you will see that it is actually a postgraduate postcard. And when you have a Google address, other companies similar to Choice Financial appear. In fact, one of the website – the optimal financial – is almost identical to Choice Financial. (See screenshots below.)
The site itself is another red flag. “Online app” is just a communication form – not what you expect from the legitimate loan matching service. When we tried to call customer service through the number on the site, there was no answer, despite repeated attempts.
Where it limits the financial choice
The choice of Financial decreases in several ways. Perhaps the largest is its lack of transparency. It seems that it offers loans on its website and marketing materials, but customers and former employee mention that it is actually a taste and a transformer.
The company seems to target people who struggle financially and offer them a way to manage their debts through loans. But when clients speak to an actor, the APRS that is offered is much higher than advertising, and they are encouraged to enter the debt health verification program instead.
Choosing Financial also seems to be fixed as soon as it shows interest in its services. One of Redditor reported that multiple phone calls were received after rejecting the offer. If you are looking for a way out of debt, there are better ways, such as legitimate debt dilution companies or debt unification loans.
How to compare the choice of financial with other lenders
What is the degree of the researcher?
Finder Score Reduces 6+ types of personal loans across 50+ lenders. It takes into account the interest rate, fees and features of the product, as well as the type of loan, for example, the investor, the variable, the fixed rate – this gives you a simple degree of 10.
Read the collapse of the complete researcher’s degree
What makes the choice shine?
If we only want to get out of its website, the choice of financial claims that it provides loans ranging from $ 2000 to $ 100,000 can be paid anywhere from six to 60 months. APRS starts from 4.99 % for the best qualified borrowers, and money can be used for any practical reason, including payment of debts, purchase of a new car or putting a premier at home.
According to the website, Choice Financial helped more than 10,000 people and provided more than 100,000 hours of financial education.
Choose the details of the financial loan
| Loan | 2000 dollars to 100,000 dollars |
| Payment conditions | From 6 to 60 months |
| April | 4.99 % to 35.99 % |
| The minimum credit degree | It has not been revealed |
| Other requirements | The eligibility depends on the income record and the credit record, but not specific requirements are provided. |
| turn around | The application takes only a few minutes with approval in less than two hours. The time of disbursing the loan varies according to the lender. |
| expenses | Choice Financial does not receive your referral to a loan provider. Other fees differ according to the lender. |
| Availability | Not available in all states (eligible countries are not detected) |
Choose financial contact information
| Phone number | 888-910-1626 |
| Customer service hours | us |
| Info@chicalfinancial.co | |
| Q, previously Twitter | us |
| us | |
| Postal address | 3639 Midway Drive Suite B #245 San Diego, California 92110 |
Calculate your monthly loan payments
Learn how much the personal loan costs you by connecting the loan amount, interest rate and conditions for payment in the calculator below.
Fill the form and click on “account” to see your
The estimated monthly batch.
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Based on the terms of your loan
| major | $ |
|---|---|
| interest | $ |
| The total cost | $ |
How to qualify for financial selection
Choice Financial does not provide any specific information about loan qualifications on its website. As a loan referral service, the choice of financial only takes your information and matches you with a possible lender. The requirements differ from the lender to the lender.
In general, lenders look at your credit history and your income to determine if you are eligible for a loan. You will likely need to agree to a difficult credit examination with the lender, to provide identity and prove income.
How to apply
If you want to apply for a loan by choosing Financial, here are what you can expect:
- Send an online request. Please visit the financial selection site and select the “online app” button. Provide your name or e -mail, phone number, the required loan amount and the purpose of the loan.
- Wait for the lender matching. Choose a financial review of your information and checks the soft credit that will not harm your credit. Then the company corresponds to the potential lenders who fit your personal file.
- Receive loan offers. Once the matching process is completed, loan offers from the Choice Financial network receive.
- Select a loan. See the terms and conditions of each loan carefully before specifying any one that meets your needs.
- Apply to the lender. Complete an official loan request (which includes a difficult credit check) with the lender you chose and provide all the documents you request. Your money will be disbursed shortly after your request is approved.
Choose financial reviews and complaints
| BBB certified | no |
|---|---|
| BBB classification | A+ |
| BBB customer reviews | 1 out of 5 stars, based on 3 customer reviews |
| TrustPilot degree | Choice Financial does not have any TrustPilot reviews. |
| Customer reviews have been checked as of | March 04, 2025 |
There are not a few customers who have generated their experiences with Choice Financial have no positive. There is no profile for the company on TrustPilot, but there are three reviews on Better Business Bureau – all complaints.
One of the auditors mentioned that they went to the address on the company’s website, and there is no office on this site. The other two auditors are accused of financial choice of being fraudulent. One of them complained that they offered a specific interest rate in the mail, then gave a much higher rate over the phone. The other said that the financial option takes your information so that it can sell it to other companies.
This accusation may be valid. When you look at the BBB website in the “On this work” section, it clearly states that “this work provides sales to the financial services and financial services companies.” This means that the primary purpose of financial selection is to collect information from potential borrowers and provide sales that lead to lenders and other financial services companies.
However, due to the lack of any official complaints against the company, it is still surprising that it carries the A+ classification with BBB.
What do people say on Redit?
There is only one post on Choice Financial, but thanks to multiple comments, it provides a lot of information about the company. In this initial position, the original poster warns others against not falling for fake checks to appear to be official government documents. When you look closely at the photos provided by OP, you can see the financial logo to choose the check with directions to contact the company or visit its website.
In the comments, people from all over the country say they also received correspondents of the Financial selection. One person says they called the question about the offer and in the end, but they received daily phone calls from the company after that.
Another Redditor commented that they used to work for the company and confirmed that it is a taste and a transformer. The former employee claims that the purpose of the marketing mail is to make people in the debt health verification program – not providing them with a loan.
Related questions
What kind of company is a financial choice?
Choice Financial is a driving generation company. This means that it uses the website and marketing materials to find people who need loans or help in debt management and provide their information to relevant financial services companies.
Does the selection of financial loans submit directly?
No, the financial choice is not a direct lend. If you apply for a loan through the financial selection site, the company will coincide with service providers in its network who may be ready to provide money for you.
Is the financial choice a good reputation company?
No, this is not. It only has three reviews on BBB, all complaints. There are also many other red flags, such as deceptive marketing practices, the absence of a material office (the company’s address leads to a postal service) and a former employee says that the company pulls the taste and switch routinely.
