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Business Profile

Loans

Birch Lending

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Complaints

Customer Complaints Summary

  • 79 total complaints in the last 3 years.
  • 44 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/10/2025

    Type:Order Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Birch lending. I borrowed 1050 dollars from them. They charged me 642% annual interest so that's over 4500 dollars in interest. Please help.

  • Initial Complaint

    Date:07/09/2025

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Applied for a loan in May, they did not disclose the rate or term for this loan. The interest rate is outrageous and never disclosed to me while signing. $1880 and they want $11,270 after all is said and done! I dont feel like not disclosing this kind of information is critical for borrowers. This is how they get people!

  • Initial Complaint

    Date:07/07/2025

    Type:Product Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    The loan has been paid but there is no good contact information to speak to someone and they are continuing to take money from my account.

  • Initial Complaint

    Date:07/03/2025

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    We borrowed $1200 from Birch Lending. We have been charged 6 payments of $576.10 which is $3456.60 which seems like more than enough BUT we find out today that there will be a total of 16 payments for a grand total of $9216.00. That's $8016 in interest. We also found out that it is illegal for that type of loan in ****. I cannot afford this and it's so outrageous I'm not sure what to do. They were no help when I called them about it. I need help getting these payments stopped and perhaps some of my money back. I am a dad and have myself, my wife, 4 teenagers and a newborn living in my house and the $576 would go a long way at the grocery store. I think I should get some of my money back but at the very least the payments should stop since they are using an illegal interest rate in ****.

  • Initial Complaint

    Date:06/27/2025

    Type:Order Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They changed my loan contract my original contract said I would make two payments back on 317 and 417 of $600 and there would be no interest charged now they've gone and changed it and said I owe 16 payments of 575 I already made one payment in on three of $25 and I tried to make the second payment on four of 25 because I had to change my bank so I tried to send him the payment and they said I owe them $1,600 after I made one payment already of 600 I only borrowed 1200 they're trying to rate me on 63 years old living on a fixed budget this is not right and I know I did not sign that lease the one that they said I signed they changed it they're bad bad business and rotten they're rotten scoundrels

  • Initial Complaint

    Date:06/26/2025

    Type:Order Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Birch Lending is nothing but a predatory company that preys on vulnerable individuals in desperate situations! My dog needed emergency surgery, and after visiting the vet, I was given a list of charities and loan companies to seek financial help. I was approved for a $1,200 loan, and I started making biweekly payments of $321.99. Now, I've already paid over $1,900 to these thieves!When I called to complain about an unauthorized payment taken from my account, the offshore receptionist had the audacity to tell me I still had 10 months of $650 monthly payments left! They expect me to pay a staggering $6,500 for a $1,200 loan! This is absolutely disgusting and illegal on so many levels! How can they justify such outrageous terms? This is nothing short of a scam!

  • Initial Complaint

    Date:06/23/2025

    Type:Order Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    6/23/25 Just applied and got approved then looked at interest rate and its at 458% that is ridiculous for a $750 loan I will end up paying 3 times more than my loan i want to report them and get my loan cancelled

  • Initial Complaint

    Date:06/23/2025

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I applied for personal loans and began receiving calls from birch lending, on Friday 6/20 I got 3 calls back to back from them in the morning and the afternoon and that's when I told them to put me on the do not call list and they've just called me twice again today.

  • Initial Complaint

    Date:06/20/2025

    Type:Sales and Advertising Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    At the end the of January 2025, I received numerous spam and advertisements from Birch Lending at a time where I was needing funds for a deposit on an apartment. I spoke with a *** whom had a very difficult accent and as she began telling me I was approved for 500$ I agreed and proceeded. They have since withdrawn biweekly from my account 147$ beginning the first week of February. I have since exceeded what I was told what I would need to pay back with interest. After carefully reviewing what had not been discussed with me verbally, I learned I will be paying back $5000.00.

    Customer Answer

    Date: 07/14/2025

    Hello. I received a notification via email. I am needing to notify that the company did reach out to me personally and it was resolved. Thank you.

  • Initial Complaint

    Date:05/29/2025

    Type:Service or Repair Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took a ****** dollar loan from birch lending on October ******. I signed all of my documents over email. Created an account to manage my loan. I could not access my account information so I called them to see how much I owed because this loan should be paid off by now. The customer service rep. **** no u have two more payments and your total cost for the loan would be ******* thats not ok for these people to deceitful and this is false advertisement. I have paid in total ******* for a 500 payday loan thats crazy. Then I can not access my account information so they can change what they want on that paperwork. I want the money that is owed too me. And this account closed I **** never do business with them again

Birch Lending is NOT a BBB Accredited Business.

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