Only use it as a last resort
Medium/ short term cash credit loans are not for everyone. Having said that, I borrowed money from them to purchase a car due to being a temporary resident, I had very limited options at the time, even though I worked full-time. Working a couple of hours a week extra to do food delivery or taxi for a few months was enough to pay the interest (which I admit is very high) and some of the principal... regardless, it all comes down to responsible borrowing.
It worked reasonably for me, in my use case, however, if someone is living off social welfa...re or at minimum wage and wants to buy a $2000 4K TV to impress their date for a Netflix night, it's kind of their fault if they default and have to pay high fees and have their credit score lowered. I would strongly recommend that you try to borrow money through your employer/ friends/ family first as Nimble may solve your money problem for now but will absolutely destroy your credit score (like 800 to 400). For me, fast forward 3 years of perfect employment and repayments, it has still not recovered to the pre-Nimble level. This will adversely impact your options for bigger purchases like a house or a car despite your financial situation being good. Anyway, about the product itself, I had my funds delivered within an hour of starting the application and they have pretty good customer service. The only reason I am giving 3 stars is due to high establishment, rescheduling and dishonour fees, which by the way are the highest or close to highest legally allowed and the high cost to the credit score., Please note these issues aren't unique to Nimble and are ubiquitous across all similar credit providers.
My experience with Nimble has been terrible, poor and regrettable. Not worth doing business with them and they should be the last of your options. I would never consider their products or services or recommend them to anyone.
Terrible lender! STAY AWAY!!!
My experience with Nimble has been terrible, poor and regrettable.
Not worth doing business with them and they should be the last of your options.
I would never consider their products or services or recommend them to anyone.
Do yourselves a favour and forget about them entirely!!
waste of time
cant get a 300 loan which would be paid off in 4 weeks work full time now i see y no one deals with them do not go near them
I applied for a nimble loan yesterday evening. I was approved for the loan and signed the contract.
I then received an email to say that were 'unable' to process the application and to call them to have this fixed.
I emailed them twice as I was at work with no response. I then called them and spoke with Jane who said that my application was cancelled as they could not make the payment. Jane then said " I can guarantee you will get the money on the weekend, but I cant guarantee your approval"
As you can guess, application denied! It seemed ...they knew that they were going to decline it but still encouraged me to do another application. I would have preferred for them to be honest and say they have changed their mind. For the potential customers. I know that you are eager for a solution for loan. I reccomend to think about this and try elsewhere.
Customer service leaves a lot to be desired
Company was not able to resolve my complaint. Tried to call me once and when I didn't answer did not leave a message but sent an email. I responded to that email and there was no more communication from them despite my asking for someone to get back to me. Very hard company to deal with and will not be doing business with them at all.
I’ve waited over a day to get my application approved. The website states within minutes?
I need this loan for study reasons. This is ridiculous I was told this would be the best company and get my loan within 60 mins ?
I received a $5000 loan back in 2016 and a couple of months later I lost my job. It took me a really long time to get back on my feet as I had a lot of debt but I stayed in contact with Nimble and eventually the loan was paid in full in early 2019. Here we are 2 years later and as soon as I log in to my Nimble account the first thing that pops up is a message that says "sorry but we can't help you with a loan at this time" before I've even tried to apply. Would love to know how long I will be "blacklisted" for!
I applied for a $1000 Loan and was approved money in my account about 2 days later ( not as fast as they advertise )
from this 1k loan,
I have had to pay back give or take 10$ - $1,400
These people make 40%, $400 of a desperate minority.
Even the banks that are not popular among the public do not stoop to such exorbitant rates.
Shame on your company. You could easily cover over heads on a 10% rate.
Not only this, but if you fail to pay on time your credit rating is attacked and this further ostracizes people from financial institutions - the better ones.
Not happy jane
i was writing this review 6 months ago, id have given it 5 stars. Been useing nimble since 2014 and have been a full time employee ever since then. Between 2014 and 2020, i was declined for a loan once! Let me repeat that, 6 years of applications with only 1 rejected. I must have applied for 50 loans during those 6 years with repayments always met or altered by me contacting them in advance. However this year, i have applied for 3 loans of the min amount of $300 and all 3 times have been knocked back. Nothing has changed re my credit file, empl...oyment, finance etc. NOTHING! Yet iv been declined 3 times in a succession. Iv called them up and they cant give me a clear answer as to why. They did tell me they have 'lending criteria' to which i asked, 'what exactly is your lending criteria'? To which they said 'dont know'! Um what?? Thats like a doctor saying 'theres certain foods that will affect your diabetes but dont ask me what they are cause i dont know' like seriously guys?? I sent an email 2 weeks ago to there complaints department asking for the exact reason why i keep on being declined yet no reply. As a sidenote, im having no issues getting approved with other payday lenders. Looks like il be taking my business elsewhere
Waiting and stressed
In the past I haven't had any issues with Nimble. But I made an application and its been 9 hours and its still saying verifying. I wouldn't have applied for a pay day loan if I didn't need the money urgently. The fees are really high. Its been a stressful day and I've called and their phones weren't working and I sent 2 emails to follow up and havent had any response. I just want to no if its yes or no.
Slow in responding
Applied in the AM, by close of business I still hadn’t received a response as to what was going on. Not sure if I used this mob years ago but if it was them then they were much quicker with a response
Full time work, not "suitable" for a loan?
Tried to apply or a loan, was rejected instantly without getting to the next stage despite the fact I work full time and listed as such. How does that even make sense?
The guidelines on who gets money or not is skewed
Extra costs are ridiculous considering there is little admin involved! I found that I was immediately permitted to have a loan on multiple requests - then, randomly I was declined - even though my financial situation had improved significantly from the previous times I had requested a loan!!
Then, there’s no customer service to speak to - so who gets all the fees you pay back ??!!!!
Not a good place to get a loan when the rules around the loan are warped.
I don’t use this company anymore - I much prefer “My pay now”, which has much less fees!!!!
Nimble crashes Illion credit score
Applied for a Nimble loan and paid it off on time and no defaults.
12 months after paying it off I did a credit check. It has crashed my Illion credit score because it's a "high risk loan".
Illion credit score is 430 and equifax is 780.
Beware and avoid Nimble at all costs!!
it will take years before I can rebuild my credit score!
Questions & Answers
Was emailed earlier to ring re application. I rang amd was told they had everything, it's now 4 hours later , I've emailed twice,but still haven't been notified if my application was successful.
Have used nimble many times before, and its always been easy and quick with great service.
I applied yesterday, so it's 24 hours since.
Hoping to hear something soon, it's the weekend tmrw and was hoping to have the money before hand.
Excellent loan provider never had a problem always there for me thank you
Hi Ggage 61,
Thanks so much for the feedback, we're so glad we could help out!...Cheers, - Team Nimble
How do I delete my nimble account?
Please email firstname.lastname@example.org, they will be able to close your account for you. Enjoy your day!...Cheers, - Team Nimble
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