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12 Company responses
21 Customer testimonials
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W6LS, Inc. dba WithU Loans offers fast and easy access to installment loans up to $2,500 to help manage life's unexpected events. Our signature approach and streamlined technology matches you with on-demand loans that fit your unique need. Offering fast approvals, flexible terms and financial support made for the moment — we're WithU, every step of the way! Want to know what else makes us proud? WithU Loans is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a federally-recognized Indian tribe. WithU Loans is licensed and regulated by the Otoe-Missouria Consumer Finance Regulatory Commission, which regulates all consumer financial services conducted from tribal land of the Otoe-Missouria Tribe of Indians. Revenue from WithU Loans funds tribal community programs including elder service, education, after school programs, improvements for housing and infrastructure, and public safety. We think that's pretty darn cool!
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What Their Customers Are Saying

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All testimonials are provided and verified by WithU Loans. Verified testimonials on Opinion Corp is a paid feature of the platform.

fast and efficient

WithU Loans
Cheryl M: WithU was very fast and efficient.

would recommend

WithU Loans
Sheliah S: I would recommend this site to friends

satisfied

WithU Loans
Jennifer J: Very satisfied to be a customer.

WithU Loans's reply dated Jul 01, 2026 to: Linda M Gjs's review

Hi Linda,
Thank you for reaching out. We’d love to assist further, please call us at 866-404-0674.
Thanks,
The WithU Loans Team
author's review
Linda M Gjs

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website.

 Verified Reviewer | map-marker Bologna, Bologna

I'm trying to reach you via phone, but...

want to apply online for a loan. I'm not a 'pissed customer."

Just need a proper phone number so I can speak with a human being to apply for the loan, that I keep receiving numerous emails offering me a loan of $600.

Please, email me @ ***

Grately appreciate.

Best,

*** "Squirrelly" ***

0 Thank you

WithU Loans's reply dated Jul 01, 2026 to: Rubylee L's review

Hi,
We take these matters very seriously and will be able to help you further over the phone. Please call us at 866-404-0674.
Thanks,
The WithU Loans Team
author's review
Rubylee L
map-marker Pawtucket, Rhode Island

Cancel transaction

WithU Loans - Cancel transaction

My name is ***. Your company charged my card -67.84 dollars on June 20th and I see this as fraud. Return my money or I will sue the company for fraud.

Thank you

Loss:
$67
Preferred solution:

Full refund

0 Thank you

WithU Loans's reply dated Jun 24, 2026 to: Aaron L Wnp's review

Hey Aaron,
Thank you for reaching out. We take these matters seriously and would love to assist further. Please give us a call at 866-404-0674.
The WithU Loans Team
author's review
Aaron L Wnp

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website.

 Verified Reviewer | map-marker Powell, Tennessee

I personally don't remember getting a...

Updated by user Jun 13, 2026

I don't remember applying for any loan, yet I see the financial evidence of it, but be that as it may, no response from customer service does not look well on WithU Loans as a whole.

Original review Jun 10, 2026

I personally don't remember getting a loan from you, and i physically don't have access to any funds from such a loan, yet your conpany just charged my already overdrafted bank account 183 dollars and change. If I'm gonna pay on a loan, I'd like to at least have access to the loan's finances first!

Loss:
$184
Preferred solution:

Deliver product or service ordered

0 Thank you

WithU Loans's reply dated Jun 22, 2026 to: Raynold Lcw's review

Dear Raynold,
Thank you for reaching out. We’d love to assist further. Please contact us at 866-404-0674.
Best regards,
The WithU Loans Team
author's review
Raynold Lcw

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website.

 Verified Reviewer

Payment

I took $500 loan from With U and they take my money every Monday instead of biweekly. The last money they took for my account is on the sixth so Im about to send it to you now..

ever since I took the loan, they have been taking it every week instead of biweekly please I need help please with my account because I dont understand what is going on. Please check it.

I played check my account properly. They just took my money on the sixth and now theyre telling me the last money they took it on the 22 which is a lie.

0 Thank you

WithU Loans's reply dated Jun 01, 2026 to: Christina C Phf's review

Hi Christina,
We will be able to take care of your request over the phone. Please call us at 866-404-0674.
Thanks,
The WithU Loans Team
author's review
Christina C Phf
map-marker Anniston, Alabama

Bank information is incorrect

I applied for a loan and got approved. However I was checking my account and my banking information is off by one digit.

The account number ends in a 4 not a 5. I need to get this corrected.

0 Thank you

WithU Loans's reply dated Aug 06, 2024 to: Guest-5913733's review

Hi there,
Thank you for sharing your thoughts. At WithU Loans, we are committed to providing fast and easy access to cash for unexpected life events. We’re sorry to hear you’re unhappy with your experience.
If you’d like to speak with us further about your experience, you can reach out to us at customercare@withuloans.com.
Best regards,
The WithU Loans Team
author's review
Anonymous
map-marker Canton, Ohio

To see if my money has been deposited

I needed to have a checking account so the money was returned to you guys cause I only had a savings

0 Thank you

WithU Loans's reply dated Jan 24, 2024 to: Emery B Unr's review

Hi Emery,
Thank you for reaching out. We’d love to assist further, please call us at 866-404-0674 so we can review your options.
Thanks,
The WithU Loans Team
author's review
Emery B Unr

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website.

 Verified Reviewer

Change payment date

Hi my name is emery bradley and i was wanting to know if i can change my payment dates of when the payment is being automatically taken from my checking account??thank you

0 Thank you

WithU Loans's reply dated Jan 24, 2024 to: Jill H Xky's review

Hi Jill,
Thank you for taking the time to voice your concerns. We regret to hear that you’re unhappy with your recent experience. Please try to contact us again at 866-404-0674. Our Customer Service hours are Monday through Friday 7am to 8pm CT, and Saturday 7am to 4pm CT.
Thank you,
The WithU Loans Team
author's review
Jill H Xky

Checking on loan

No answer when I called I didn't get through to anyone as the phone just sat there and didn't forward to anyone. I hope someone calls me back eventually as I still have unanswered questions,...

Preferred solution:

Price reduction

0 Thank you

WithU Loans's reply dated Oct 06, 2023 to: Sharon W Aki's review

Hi Sharon,
Thanks for reaching out. We have reached out to resolve the issue. Please contact us at customercare@withuloans.com if there's anything else we can do.
The WithU Loans team
author's review
Sharon W Aki

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website.

 Verified Reviewer

In need of TIL

Can you email me a copy of either my loan agreement or truth in lending (TIL). Thank you. I would like it as soon as possible

Preferred solution:

A copy of my loan agreement or truth in lending (TIL)

0 Thank you

WithU Loans's reply dated Sep 21, 2023 to: Hanifah B's review

Hi Hanifah,
We apologize for the inconvenience. We have verified that your email, phone number and address have been opted out of receiving marketing collateral. If you have further questions or concerns, please contact us at customercare@withuloans.com.
Thank you,
The WithU Loans Team
author's review
Hanifah B

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website.

 Verified Reviewer

You wont leave me alone

Someone takes out a loan once and you harass them with emails, letters and phone calls once the loan has been paid off. Why?

0 Thank you

WithU Loans's reply dated Aug 31, 2023 to: Tiffany J Awi's review

We have reached out to Ms. Awi and are working with her directly to resolve her concerns.
author's review
Resolved
Tiffany J Awi

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website.

 Verified Reviewer

Resolved: I can’t make the payments

Updated by user Sep 15, 2023

Company fixed the issue and I have been provided with apology. Email

Original review Aug 16, 2023

I lost my job 2 weeks ago, I was fired and I need WithULoan to suspend my account temporarily and to stop auto pay, until further notice. I had 2 jobs, to having none.

0 Thank you
Onix Boi

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website.

 Verified Reviewer

Check what my payment amount would be

I paid off my loan completely {{{Redacted}}}

User's recommendation: Very highly recommend

View full review
0 Thank you

WithU Loans's reply dated Jun 14, 2023 to: Carolyn B Rzz's review

We appreciate you sharing your thoughts. If you would like to speak with a team member, please call 866-404-0674 or send us an email at customercare@withuloans.com.
author's review
Carolyn B Rzz

I Carolyn Boone would like to change my months of payment and my payment date

Customer service was unable to change anything for me the incorrect date and monthly terms was input incorrectly Im not satisfied

0 Thank you
Testimonial
Elena K Hpy

fast process

jenifer g: I have had no issues at all. It is a simple, fast process.

View full review
0 Thank you
Testimonial
Elena K Hpy

finally!

Jacquelyn O: My first loan I was able to get my house fixed up and able to get a little bit of groceries and now this second loan I’m able to fix my car up finally!!

View full review
0 Thank you
WithU Loans
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