ArgonReviews of argoncredit.com

Customer service was awful, no follow through, high interest rate and delay in receiving funds and first payment is due in less than 30 days.

They tell you are approved for an amount that you didn't ask for, then they send you documents (loan) to sign like you have already been accepted when you haven't. I had to resend documents over four times. Very concerned where my personal information ultimately ended up. I have had some very strange calls since which concerns me that someone other than intended has possession of a lot of personal information which could cause my identity to be stolen.

My Loan was Funded on 12/30/2015, I received a contract with the amounts and due dates which I E-signed and sent back to the Company, on the contract they were sure to include an "out" if you read the fine print, they have not committed to make the loan until funds are deposited, it also states on the second page of this "CONTRACT" Unavoidable delays as a result of inadvertent processing errors and/or acts of god may extend the time for the deposit. We will begin to earn the finance charge on the effective date(IS THAT LEGAL) PLEASE READ YOUR CONTRACT BEFORE YOU SIGN IT!!!!!!!! How can a Finance Company Fund a loan and tell you they don't know when it will be deposited????? And they are not BBB accredited(RED FLAG)

I will say there are much better lenders and options out there if you would like to recieve an approval and funding within a week. Do not apply to Argon Credit. Do not believe the positive reviews read on this or other websites regarding Argon Credit. I applied late December, recieved an approval, and gave them all the documentation the same day. I was approved at an 22% APR which isn't bad but not good either.Then they say they have to go through the process of "verification" (sit on your application for 10 to 15 business days).They use Microbilt IBV(Instant Bank Verification) to look into peoples bank account activity for the past 90 days. I'm not comfortable with companies looking into all my account details, so I gave them a copy of my bank statement,blank check, and other documents for "verification". If you have been reading other negative reviews, they are ALL TRUE. They will offer you an approval,do a hard pull, make you wait 2-3 weeks for a denial or substatially less offer with a higher interest rate. This hasn't happened to me (still pending approval in verification process) but I see the pattern of what other reviewers have brought to my attention. During this time,they will state:"Verification will take 24-48 hours". They will log your calls and avoid them as they know that many people have been waiting will call as this process is worst than getting a mortgage. And as you wait in anticipation and limbo for this loan,you MAY recieve descent customer service and the same script from their employees who are apathetic to your cause. Please remember, I applied in Late December. It's almost mid-January and I'm still in limbo. They use Microbilt as a Credit Consumer DataBase to find information regarding your credit,background info, and more. So if you see MICROBILT on your TU and EXP. Credit Report. That's them. So yes,they pull 2 hard inquires on your report for your notice. You are better off going to join a Credit Union,using a P2P lender, or another online lending corporation. At least they offer you a line of credit or loan once you join/apply and the process is immediate of an approval or denial. UPDATE:1/12/2016: I suspect a bit of racial discrimination as well. A collegue that is a different ethnicity applied about the same time I did (actually earlier two days earlier) and had his loan approved days later with a deposit 72 hours after approval. While almost 3 weeks later, I'm still pending "verification". He gave them the same paperwork & did not do IBV but gave them his 30 day bank statement. Almost same credit score and makes slightly less. Although he asked for a lesser amount(a few thousand less),nonetheless, this is very disconcerning if you are a minority. Argon Credit borderlines predatory lending with it's APR's & Interest Rates (15% to some I've seen on reviews 69%). They also practice "redlining". And if those aren't familiar with "Redlining",redlining is the practice of denying services, either directly or through selectively raising prices, to residents of certain areas based on the racial or ethnic makeups of those areas. Just beware. Argon is a VERY Underhanded and Unethical lending instituition,if you want to call it that....

I waited for my loan for 3 weeks and continued calling! Finally I got a call from a representative saying my loan was approved but I would be getting less than I thought which was fine with me. I signed the e-signature form and the next day saw my loan was denied!

I applied and was approved for a $5800 loan. Sounds great right? After e-signing the loan terms and submitting my documents, they said wait 24 to 48 hours. After waiting I heard nothing back, I signed onto their website only to see my loan had been denied. I've been trying to contact them to see what the hell is going on and I have got no response! Effin Bs dude

Worst experience ever, i emailed this company over and over and nobody ever responds, it sucks giving a company your info and social security number and they never get back to you, find a lender that cares about there customers cause argonl credit doesnt care

Applied online for 12k. Was immediately APPROVED for 20k and received a contract which I signed and returned along with all the requested documents. I was not surprised I was approved since my lowest score is 640 and income is 130k a year. I also just bought a home. I get approved for most consumer credit items. I wait a day and call Aragon to check my loan status and was informed they have everything the need however the loan has to go through verification and then underwriting. I was confused so asked the rep to clarify. Why was I APPROVED and it was not verified? She became a robot and recited policy. I get off the phone to discover an email containing a new contract with a loan amount of $2600. I was confused again. I called back only to have my calls auto routed to a company with a voice recording of Am Financial or something. I triple checked the number and tried calling over 20 times with the same result. Then I tried on a different phone and was connected in 15 min. I politely explained my qualifications and confusion to the rep and requested a higher loan amount. She placed me on hold and returned to state this is the highest amount they can qualify me for. So if I sign this agreement when will I receive my money? I asked. She then explained that I still was not approved until the $2600 contract I was about to sign and agree to pay went through verification and underwriting which can take up to 5 days. Not the 24-48 hours as advertised all over their site. I read other customer review of this happening to them and decided to apply anyways. I cannot express my complete dissatisfaction and distrust of this company. Why approve me for more than I ask make me sign for the loan and THEN reduce it and still not approve you but require you sign a contract and agree to pay it back. In all my years as an active consumer this is a first. DO NOT WASTE YOUR TIME WITH THIS COMPANY!!!!!!!