Lavonda P.
Such a Disappointment
So far, my experience with ClearChoice in Creve Couer, MO has been horrible. The very first time I went, I was approved immediately. I Decided to wait bc I already had a loan with the same company that would be providing my financing. When I went back about a year later, my original consultant wasn’t there anymore. My new person is okay but the issue is the new finance company they are using (Synchrony Bank which owns CreditCare). This bank requires a 10% down payment although my credit was over 760 when I applied. Okay, so I was going to move forward and pay the 10% but when I tried to use a credit card (which is one of the approved ways to pay), the payment was declined. I stayed at the office for over 2 hours while they tried to see what the problem was and it was never resolved before I left. This isn’t the first time I’ve had to sit for hours while they tried to figure out what was going wrong….just needed to make you aware of that. Anyway, 4 days later I was contacted and told that everything was good to go and the link to pay has been sent and will work. Before making the payment, I called my credit card company to make sure that the payment will go through. This is when I found out that the previous payment was declined because synchrony bank tried to do a cash advance for payment instead of credit card. Anyway, told the consultant about that to be transparent and I tried the payment again. It’s showing for the second time that there is no application for me and I need to reapply. This has been a horrible experience. I got a call today and was told that I’m good to reapply again. Why they decided not to use LendingClub anymore….Idk but it sucks for me. There were better rates and no 10% down payment. I’m going to try this one last time and if it doesn’t work, I’m good on ClearChoice and Synchrony Bank. Why not let patients choose their own finance company. If f Iwas able to use LendingClub my procedure would probably be done by now. If things go better tomorrow (1/28/2026) I will come back and update this review. But as of right now, it’s a 2 and they get a 2 ONLY because I feel like Damon (the finance guy) and Melissa did everything in their power to make this work out. At the end of the day it’snot their fault. It’s the decision makers’ fault. 1000%
