Instantloanamerica Reviews 

Everything was easy and fast approval. Until they asked for an advance payment equal to the monthly amount. Classic scam format even if they are legit. After that chat exchange I declined their offer.

I was looking for a loan but given my low credit scores and past delinquencies, only a few lenders have been willing to work with me. Instantloanamerica is a fraud from my experience. They didn't even do a soft credit check but promised to give me up to $8,000. I asked for $4,000. They have great customer service through a chat. "Emily" was assigned to my case, although another person also showed up sometimes. My reasons for labeling instantloanamerica as a fraud are the following: 1) Their website is said to be registered in France according to one review. When I asked about this, they said that they do that for privacy reasons but they are based and operate in the US. 2) They did not disclose from the start that they demand not one but 2 or more upfront payments before sending the money. After sending me the loan contract, and even telling me that they sent the loan money to my bank, which I never saw, they came up with a demand of the first instalment, which they conveniently reduced from $182 to $80 (I believe to develop trust). I had the money, so I sent it to them, despite warnings from financial advisors about paying any money upfront to get a loan. I already suspected that this demand was fraudulent, but I wanted to see how far they would go with the lie and was willing to lose the $80. 3) That money could only be paid by BTC through CashApp or through and Apple Gift Card. Right there, I knew something was fishy, if they couldn't work with a regular debit card. I paid the money through an Apple Gift Card. 4) After this, they told me that I needed to confirm my physical address. I did, but the question is why they did not ask for such basic information from the very beginning. 5) Thinking that now I was going to get the loan, they sent another demand for payment of $150, claiming some required Federal withholding. That is where I pressed the breaks hard. I asked for the exact IRS law, since I have had many personal loans before and nobody asked for any upfront payment. They cited IRS Publication 515, I am sure to throw me off. Unfortunately, the title of that publication is "Publication 515 (2026), Withholding of Tax on Nonresident Aliens and Foreign Entities." It has nothing to do with a lender demanding an upfront payment as a condition for giving out a loan. 6) When I asked for their physical address, they said that they do everything online and don't have a physical address. 7) They are not BBB accredited or certified. If I knew what I know now, I would not touch Instantloanamerica with a 10 foot pole. I would run as far as possible from them.