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Between May- June 2014 BBB received complaints from consumers alleging Fast Loan USA charges up-front fees ranging from $100- $1400 as a “good faith deposit”.
BBB wrote to the business requesting background information and an explanation as to why an up-front fee is charged to receive a loan. Both letters were delivered; however, BBB has not received a response.

Better Business Bureau, along with the FTC, advises consumers to consider other possibilities before deciding on a loan:

- If you need credit, shop carefully. Consider a small loan from your credit union or a small loan company, an advance on pay from your employer, or a loan from family or friends.
- Ask your creditors for more time to pay your bills. Find out what they will charge for that service - as a late charge, an additional finance charge or a higher interest rate.
- Make a realistic budget, and figure your monthly and daily expenditures. Build some savings - even small deposits can help - to avoid borrowing for emergencies, unexpected expenses or other items.
- If you need help working out a debt repayment plan with creditors or developing a budget, contact your local consumer credit counseling service. There are non-profit groups that offer credit guidance to consumers for little or no cost.
- If you decide you must use a payday loan, borrow only as much as you can afford to pay with your next paycheck and still have enough funds to make it to the next payday.