ElanfinancialservicesReviews of elanfinancialservices.com

I don't understand why there are 1 star reviews at all, I give 5 stars because it is DESERVED. I spoke with one lady and she was matter of fact about all of it, well with-in their rights, then I got disconnected and called back. Wait time was less than 2 minutes, and then I got Patricia on the line. She was as professional as the first lady and then her empathy kicked in. Now I have never been late, never missed a payment and always pay extra to avoid interest and still I was subject to high interest on a very low amount. Patricia talked with her supervisor and they lowered the interest rate so the interest charge would be minimal. This is one of the best financial services EVER! They are in business to make money following the rules and policy they read to you up front, and yet they lowered my rate, giving away some of what they earn. UNBELIEVABLE. I recommend ELAN!!!

Apart from their exceptionally high interest rates their customer service was fast, efficient and friendly. I had detected a fraudulent transaction on my credit card, and within 10 minutes, they opened a fraud case (which typically can take weeks) and refunded the transaction (which standard takes 3 business days to process). I manage several credit cards with rewards points and theirs is by far the one of the better programs available (probably a reason why interest rates so high.) I've been with Elan for 15 years now and pay my open balance each month to avoid interest and have never have a problem otherwise.