Go to literally anyone else. Obviously, if you're able to repay in full it will work out. But of anything happens to you in the interim and you can't, you're screwed. read more

In case you haven't bothered researching this company, here is an excerpt from a CBS News report: "Golden Valley Lending, Silver Cloud Financial, Mountain Summit Financial and Majestic Lake Financial deceived consumers by collecting debts that weren't legally owed because they violated interest rate or fee caps (...) according to a complaint filed Thursday (April 2017) by the Consumer Financial Protection Bureau." You've been warned. read more

Payday and Installment loans should be avoided. Despite a very clear conversation with an agent for this company, they went completely against what they agreed to over the phone. Word means nothing when they have you sign documents quickly that doesn't match anything they promise. I brought this up with the girl I spoke with and rather than seeking a way to help, she became hostile and rude. Nope! read more

I will give these guys three stars for helping me when I was in need without a hassle, however, I would not recommend them unless you can pay them back in full soon. If you cannot pay them back in full soon they will trap you in a payment plan that will take nearly a year to pay back; paying more than what you initially received. I requested and received a loan for $500, but ended up paying $1,175 total once I noticed the plan they had me trapped in. I had to suck it up and take this place as a learning experience of what to look for from a loan company. A simple $500 loan would have costed me over $2,000, if I would not have paid them off at $520. I would deal with Golden Valley Lending again! Only because it was an easy process, but that would be for a smaller loan that is $200 or less. read more

The worst company to get a loan from. The APR is 894 percent! Yes I said that right. If you get an 800 loan for 12 months you are paying 2500 extra by the time you are done. Never use them if you value your sanity. read more

Golden Valley Lending - The loan agreement - Check Cashing/Pay-day Loans Near Me - Upper Lake, California

Loan scam by someone who used my email address to get a $500 loan. Since no credit or background check done by Eagle Valley I guess they are the ones who got scammed. And they expect ME to file a police report? Get real. read more

So I got a loan and they are saying with every payment only 40$ is being taken out of the 200-300 they are taking every payment like wtf if you need help with a loan I advise you not to go with this places they make you pay 1,000 + more then what you loan . It's unbelievable . read more

Avoid this company at all cost, do not, I repeat do not get caught up with any financial contract with this company, if you can't pay the loan back with in a week it will cost you triple, RUN FOREST RUN!!! read more

This company was there for me in a time of need. So I really appreciate them being there; however, if you have another means of acquiring cash, please try that first. They are expensive to repay, but that's what happens when you have to utilize an establishment of this type. Pros: Fast, Easy, Direct Deposit, Bi-Weekly Payments Cons: High Interest read more

I've used loan companies before but I was in desperate need and didn't look at the terms like I should have. $20 out of $134 is going to the principal. Really? Just wow! I'll pay this one off and never look back at this company. There are much better loan companies out there that don't want your first born. They deposited the money the same day but my bank also charged me a fee for them to deposit the same day. Ridiculous. read more

$800.00 - What I borrowed. $2,520.00 - fee to borrorow it $3,320.00 - what i paid back 820.1134% - what the apr rate was Run. Fool me once, I got a second side job. read more

This loan shark allowed someone to run my credit in order to steal money from me, it showed up on my credit report on 3/15. I'm having the inquiries removed, but obviously this company cares nothing about double-checking information. read more

SCAM. My 600 dollar loan is ending up costing me 2600 bucks. 2000 of which are FINANCE CHARGES ALONE. I will pay off my principle next month and I'm having a lawyer review my contract. I can't believe I overlooked something like this but have CERTAINLY learned my lesson about borrowing from places like these. DO NOT DO THIS IT WILL COST YOU A COUPLE GRAND IN THE LONG RUN. read more

Do not get a loan from this place. They will rip you off. I got a $700 loan for an emergency and after adding up the payments they had set for me I would have ended up paying back $2,927. How does $700 turn into $3k?! Big rip off! read more

HORRIBLE! I am sickened that this company has done this to so many people! I got a statement that said I owe $936 which is more than the initial loan I received in August! I have been paying them over $200 every two weeks and my bill GOES UP! WTF! I called and they said that $45 of the $200 I pay every two weeks goes towards the bill.....the rest is interest charges! How in the hell can they do this! I mean yeah I am the dumbass who took the loan but geez how do companies get away with this! LESSON LEARNED!! DON'T USE THIS COMPANY! read more

Shidddddd... these a-holes LIED to me. Said I would only owe like an extra 125. or so over the 600 I borrowed. I just noticed they keep taking money out my account. OH NO BABY!! I DON'T ROLL LIKE THIS! If they think I am going to pay them over 2,000 bucks on a 600. dollar loan, they got me REALLY f*ed up!! I am giving them one more payment, after that NOTHING more!! Put it on my credit report, y'all got me f*ed up!! They gets 1 star rating from me just so I can post this! read more

Please, please, please if you can ---stay away from this company! Their interest rates go from 100% - 1,000% and they expect you to pay it in full regardless of what you borrow. I borrowed $1,200 and I had to pay back $4,000 not including services fees. This company profits off of the poor. Once they rope you into a contract and you sign it, they admit that they are a tribal company and do not have to follow state regulations with interest rate restrictions. They can charge you whatever they want! The calls are relentless if you miss even one payment - 2-5 times a day. Emails out of the wazoo! This company along with 3 others in this tribe have had lawsuits because of their practices. Save yourself the headache, google search and the debt and seek local businesses to help you if you need a PD loan. read more

I would like to start by saying that if you don't pay off these loans in full, yes they can kill you with the interest but if your looking for a small amount, fast, this is the place. I got approved online & money was in my bank the next business day. You have 2 weeks to pay back & I opted to pay in full because if you don't, that is how you can rack up all the interest. It's $30 for every $100 you borrow. I normally would not do this but the holidays are here & my rent was due so I had to do something. This is nice if your in a jam & need money quick. I would definitely recommend them! The customer service is great! I could log on & see my loan & all my info. It's Great! read more

Condescending customer service and interest that will keep you paying off the loan for ever. Never doing business with these thieves ever again read more

They are a good option when you have no other, but it's very clearly stated how much interest they charge...which is very high... but we've taken several loans out from them and as long as you can pay them back in less than a month it's not a very large fee, but if you need to do any longer I wouldn't recommend it. read more

FU** this company. An $800 loan turned into $1600. DOUBLE the original loan amount. I would not recommend this company to ANYONE. They do not clarify the interest rates of the loan until you're already trapped. What a waste of my money. read more

Good rate for people who can actually pay their loan off on their first payment... sometimes second. But beyond the second, you are in for a long ride with a loan that might cost you 300-700% more than the principal amount. read more

On Aug 29, 2016 I applied for a loan from this company. I was told I was approved for $1,000.00. I was told it would cost me $300.00 to get the loan and I would make 4 payments of $325.00 bringing the total to $1300.00 to be repaid. I was perfectly fine with that and from my understanding their fee was the $300.00 for the $1,000 loaned to me. When I noticed a 5th payment come out of my checking account I called them. Up to this point I have called to get the contract and they explained it was sent to my email. I made it clear I have received nothing. I read back my email address to them again as in past calls to make sure its the correct one and it wasn't entered correctly on their end. I had this resolved today. When I spoke with them (Daniel) today they said I owe $975.00 to pay off the loan. This is not what was explained to me in anyway shape or form otherwise I wouldn't have accepted these terms. I see I'm not the only person this has happened to, as well as no resolution. So I will lick my wounds and pay this horrible thing off. But I want this out there so it doesn't happen to anyone else. I have filed a complain with the better business bureau and my attorney is in the process of opening a case and accessing the phone records which they will clearly hear the gentleman who started my loan explain 4 payments to repay $1300.00 read more

Stay away from this loan unless you pay the loan off in one week. I wasn't told that you will have daily finance charges. My initial loan was $300 which came out to $390 with $20 fee for instant pay. I paid $220 thus far, I called to find out about my next payment and I found out I owe $350. WTF!!? I was told only $15 from each of my payments went towards my loan the rest went to daily fees. I will never, ever get another loan from these people. Stick with your local check cashing store for loans and the Earnin app! read more

Like others have mentioned this can work if you can pay back in a minimum of 2-3 pay cycles - anything more - you will be paying thru the nose - I have used Majestic (AKA Golden Valley) for many years and I have been satisfied with their online process. You can go into the chat and apply and get the money deposited the next day. read more

Great place if you want to get ripped off and dig yourself a bigger hole than you're already in.

I got into a tough time my husband was laid off and I had so many bill I understand what Ulises is saying you borrow 800 and pay back 2000. This is a modern day loan shard. I thought it was against the law to charged that much interest. I would have did better by having my phone disconnected, double my insurance. I will tell everyone they are thiefs. If I have to beg and borrow I will never again USE THEM AGAIN. . COOPER read more

Someone stole my identity and took out a loan with these guys in my name. They have called and I explained to them what happened and gave them a police report number on the id theft. That still didn't work, they still call me 10-18 times per day using assumed phone numbers to make it look like a local call. The scary thing is that the person open the loan in a name other than mine, a bank that doesn't have a presence in my state, and somehow has my phone number. They asked f my SSN ended in a certain number sequence, which was not mine. I mean what else do they need to stop the calls. As far as the idiot bitching about how much they charge, that one is on you- all of those companies have you sign a loan agreement that covers the interest rate and payment sequences....you sign that you read that and understood it and agreed to it. So take off your girlie panties and pay the loan off and don't take out another one. read more

If you haven't watched Netflix's "Dirty Money" this is a prime example of gouging the client for this small term loan. I borrowed $500 and paid back almost triple in the last 9 months. Please do not get a loan from them! You end up paying only $25 in principle and the interest is around $100-170 depending on your income. I got screwed and unfortunately I was a victim. Please watch "dirty money" for insight on these type of payday loans read more

The problem with this company is they have many incompetent people working there. They messed up my due date and took money out of my account on the week I didn't get paid. It didn't go thru. I called and thought and trusted it was taken care of. The next week they took out two payments. I called again thinking it was fixed. They took out two payments again this morning!!!!!! This was the stupidest thing I hVe ever ever done. It's so not worth it! They have screwed me royally and now. I'm in a worse mess then before!!!!!!!!!!! I understood the interest and all of that going into it. read more

Worst company ever, I asked to pay the loan in full, they didn't, now I have paid over $300 in interest on a $400 loan, I contacted the company and got the run around. I would not recommend them to my worst enemy. There are a lot better options out there for a quick loan. read more

I did a on line application on 11/12/13 and when I seen the ARP's....totally outrageous and a total ripe off. I called them 4 times in the morning of 11/12/2013 letting them know I decline the installment loan of $800.00 and told them not to deposit the funds in my banking account. They connected me to one, two, three different people. I started to yell and curse and told rep how hard is it to cancel a loan and that they are freakin stupid and I said I Will call every minute and all day letting them know I declined there loan. Then one person asked if I signed the loan in my email and I told her no. She then said, the loan will be canceled. Which could be a lie. Do not do business with this company, they are not a valid lender, and they have stupid APR's. I reported them to the Better Business Bureau. read more

I recently discovered that my account had a deduction of $245 from my account. Now I will admit I am not great about checking my account on a daily basis and therefore I do take some ownership of the situation however after researching why I noticed that apparently a couple of weeks back $700 was deposited into my account. When I researched where the money came from it was in fact from Golden Valley. A couple I have NEVER even heard of. I went to see what information had been entered into the system to have this happen and it was information that was not even correct. My address, phone, income, etc. were all different the only thing that was in fact correct was my name. Clearly they had gained access to old information somewhere. Granite I also know the internet is not always the safest of places however are you kidding me! I tried to reach them via email to assure I have something in writing from them however I have had no response. It looks as if I am going to have to change out my account in order to keep them out of it along with any other online thieves! I get that there was money deposited at some point into my account however to think I will pay all of that interest on something I did not request is absolutely NOT going to happen! This company needs to be stopped. This is ridiculous! read more