WithU Loans Review

WithU Loans Review

This legit tribal lender offers online loans up to $2,500 for bad credit but watch out for high APRs up to 597%.


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About WithU Loans

WithU Loans is a tribal lender offering online installment loans up to $2,500. They are a tribal lender as they are owned and operated by the Otoe-Missouria tribe and based in Oklahoma City.

WithU Loans is a licensed lender by the Otoe-Missouria Consumer Finance Services Regulatory Commission and a Online Lenders Alliance (OLA) member.

They offer loans from $300 – $2,500 and terms ranging from 6 – 12 months for loans. They accept borrowers with bad credit but beware of interest rates as high as 597%.

Why trust CreditPug? We are an independent editorial team with a mission to educate Americans on the importance of good personal finance. We are not compensated by the company in this review.

  • Flexible terms
  • Fast approval times
  • Multiple deposit methods: wire transfer, direct deposit, and paper check
  • Funds deposited as fast as 24 hours
  • High interest rates up to 597%
  • Terms and conditions of the loan can be confusing
  • Poor reviews on Trustpilot and BBB
  • Unclear if they charge a fee on top of interest for a loan
Table of Contents

    WithU Loan features

    The burning question for emergency loans is how fast they can make the deposit. They claim to have turn around times as fast as 24 hours depending on the banking method selected by the borrower. 

    Wire transfers and direct deposits can be made within the same business day but you’ll have to accept the loan before the cutoff. Cutoff times are as follows: 1:50 PM CST and 11 AM CST, respectively. Paper check deposits can take as long as 7-10 business days.

    What makes them stand out:

    • Applications from individuals with bad or no credit scores are accepted. Installment loan applications are reviewed even for people who have low credit. Fast approval rates still apply for said borrowers if requirements are met. 
    • Fast funding. Once approved, you can receive the funds deposited in as little as 24 hours through direct deposit into your checking account.
    • WithU allows immediate new loans after your first one. Although they do not offer more than one loan at a time for each borrower, WithU loans lets users apply for their next loan the day after they have paid off their first loan. 

    Who they’re best for

    • People in a financial emergency. WithU loans’ fast approval service allows you to get your deposit within the day if the cut-off is reached for some preferred banking methods. With high interest rates, be sure you don’t qualify for a loan elsewhere.
    • If you have a bad credit score or no credit. WithU loans do not automatically reject borrowers with bad or no credit. However, they still verify and review applications to see if they meet their loan requirements.
    • Flexible payment schedules. People in need of an emergency loan but need a longer repayment term might benefit from their 12-month repayment terms.

    WithU Interest rates

    WithU doesn’t disclose the interest rates they charge publicly but our research suggests interest rates can be as high as 597%.

    They approve applicants based on their creditworthiness and ability to repay the loan, not their credit score and credit history like other lenders. Lenders using this underwriting process do so in order to lend to people with bad credit or no credit and usually have high interest rates.

    If you apply and are approved for a loan, the interest APR (the amount you will pay in addition to the loan borrowed) will be on the contract. Be sure to review this and understand the total cost of the loan before accepting the offer. It’s not a bad idea to use a personal cooling off period, say 24 hours, before making a decision.

    Which states is WithU Loans in?

    WithU Loans is available in the following 40 states:

    Alabama, Alaska, Arizona, California, Colorado, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin and Wyoming

    WithU Loans is not available in these states:

    Arkansas, Connecticut, Georgia, Maryland, New York, North Carolina, South Carolina, Vermont, Virginia, and West Virginia.

    Why you’ll want to apply look elsewhere:

    • Some customer support reviews are negative. WithU loans reviews on Reddit, TrustPilot and BBB state that emails and calls are often left unanswered. It has also been under fire online for having unreasonable additional fees after agreement confirmation from the borrower. May reviews also state that the interest rates were not clearly displayed in the loan agreement.
    • No simultaneous loans are offered. If you need an additional loan before having paid off your first one, WithU loans may not be for you. 

    Is WithU Loans legit?

    Yes, WithU loans is a legitimate tribal lender. Their lending license is available on their site, they have a customer service email and phone number you can use to get in contact. Active terms of use and privacy policy are also available on their site and they’re a member of several financial organizations including the OLA and the Native American Financial Services Association.

    All signs that they are a legit lender you can trust.

    Customer service details: WithU loans can be contacted through their phone number, 866-404-0469, and email [email protected]

    Trustpilot reviews – There are 17 reviews on Trustpilot with an average rating of 1.7 star out of 5. Common complaints are about high interest.

    trustpilot withu loans review

    Better Business Bureau reviews – On BBB they have a rating of 1.03 out of 5 stars on 71 reviews and a C+ rating. Many complaints a consistent with Trustpilot about high-interest repayments and lengthy loan terms.

    BBB withu loans review

    WithU Loan requirements

    These are the requirements you’ll need to meet to have the best chance of approval for a loan from WithU:

    • Residence: You live in one of the 40 states where WithU loans are available.
    • Age: You are at least 18 years old.
    • Income: They don’t state the minimum income but you’ll likely need to provide proof of income. Whether it be from a full or part-time job or government assistance.
    • Credit score: They don’t state the minimum credit score need to for approval.

    Sites like WithU Loans

    OpploansUrban Bad Credit LoansCredit Ninja
    Est. APR
    Est. APR
    Est. Loan Term
    9-18 months
    Est. Loan Term
    18-60 months
    Est. Loan Term
    12-18 months
    Loan amount
    $500 – $4,000
    Loan amount
    Loan amount
    Min. Credit Score
    Min. Credit Score
    Min. Credit Score
    Min. income
    $1,500 per month*
    Min. income
    $1,200 per month*
    Min. income
    $1,500 per month*
    Details marked with an asterisk (*) are creditpug estimates.

    WithU Loan alternatives

    There are many lenders that offer personal loans similar to those offered by WithU loans. Some other options for personal loans include:

    • Bank loans: Many traditional banks and credit unions offer personal loans to their customers. These loans may have lower interest rates and fees compared to online lenders, but they may also have stricter eligibility requirements.
    • Online lenders: There are many online lenders that offer personal loans, including Lending Club, SoFi, and Upstart. These lenders may be able to offer more flexible terms and faster approval times compared to traditional banks, but the interest rates and fees may be higher.
    • Peer-to-peer (P2P) loans: P2P lending platforms, such as Prosper and LendingTree, allow borrowers to request loans from individual investors rather than from a traditional lender. P2P loans may have lower interest rates than other personal loan types, but the approval process may be more selective.

    It’s important to shop around and compare offers from multiple lenders to find the personal loan that is right for you. Be sure to consider the interest rate, fees, and repayment terms of each loan before making a decision.

    How to apply for a loan with WithU Loans

    Applying for a loan with WithU is quick and easy. Simply follow the steps below to get started.

    1. Visit the WithU loans site. Make sure you’re on the right site, as some companies have been creating fake websites with a similar name to scam people.
      withu loans app
    2. Fill out the application form on the homepage to get started. Select your desired loan amount with a maximum of $2,500 and provide your personal information and last four digits of your SSN. This will create your loan application.
      withu loans application
    3. Keep tabs on your inbox for an email from WithU loans. They will notify you if your application is being processed or approved.

    Interested in other tribal lenders offering loans up to $2,500?

    Here are 2 alternative licensed tribal lenders that offer online installment loans up to $2,500:

    Wrapping up

    If you’re in an emergency and need up to $2,500 in 24 hours, WithU loans could be right for you. They’re a legit lender who offer installment loans with repayment terms up to 12 months. If you have bad credit or even no credit they might approve you for a loan when other companies will not.

    Be sure to understand the loan agreement and the interest rate before agreeing to the loan. Interest rates can be up to 597% and there may be early repayment fees if you want to pay off your loan early.

    If you do decide to apply for a loan, be sure to use the VISIT button above as there are scam sites out there posing as WithU.

    WithU Loans
    Loan amount

    Min. credit score
    550 estimated

    Est. APR
    199% and 597%


    New users only

    Application simplicity
    User experience
    Customer Service
    3.5 Overall Rating

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    WithU Loans Review