Birch Lending Reviews: A Solid Choice with Lightning – Fast Deposits and 5-Star Reviews! The Truth.

Birch Lending is a direct lender that offers personal loans to borrowers with bad credit. The company has a 4-star rating on Trustpilot, but there are also some negative reviews that allege predatory lending practices. So, is it true? Let us find this out in the Birch Lending Reviews blog post.

Table of contents

  1. What is Birch Lending
  2. Customer Reviews
  3. Pros and Cons
  4. Is Birch Lending Legit

What is Birch Lending

Birch Lending is a tribal lending entity that offers personal loans to borrowers with bad credit. The company is owned by the Metlakatla Indian Community, a federally recognized tribe in Alaska. Birch Lending is not subject to the same regulations as traditional lenders, which allows them to offer higher interest rates and fees.


  1. Loan Amount: Birch Lending offers loans ranging from $100 to $3,000, according to the information provided.
  2. Application Process: They offer an online application process, making it convenient for potential borrowers to apply for a loan.
  3. Quick Approval: The information suggests that for most customers, funds can be deposited as soon as the next business day after approval, and same-day funding may be available if certain conditions are met.
  4. Privacy and Security: Birch Lending emphasizes the importance of data security and ensuring that your personal information is protected.
  5. Transparent Fees: They claim to provide full transparency regarding fees and disclosures associated with the loan, ensuring that borrowers understand the terms before signing any loan agreement.

What Are Customers Saying?

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Positive Reviews

Solid Company! Honest people! I had 2 loans, with a same day, lightening fast, loan deposited to my checking account! Would use again! They will email you a confirmation, when you pay off your loan, indicating your loan is paid! Thank you Birch Lending! This world needs more Stand Up people like you! By Paul. Source.

Birch Lending gives me a lot of help on emergency money, it’s very quick , easy and very helpful agent, thank you Birch Lending. By Arice. Source.

On 8/26/2023.
Cheryl S was my representative @Birch lending.
Customer service was excellent.
I will recommend BIRCH lending
To everyone who needed a loan
Birch is the best to choose.

By Jane. Source.

This company is NOT a scam. There were a few minor issues with getting my loan amount right but other than that, the process was very simple. ( They let you know that it is an expensive loan immediately and on the website. So if you arent prepared to pay off larger amounts, or all at once, this lender just may not be for you. I also cant remember the name of the lady I spoke with but she was tremendous and I couldnt thank her enough for getting it done so quickly while I was in a tight spot. By Mickel. B Source.

Negative Reviews

So now they have commented on my last review stating that they do not recognize me but yet called my phone the very next day and today. They don’t allow you to comment back on the last reviews and then supposedly if you don’t follow up with them they delete your review. Hopefully people will see this before they delete it claiming they don’t know me but is now calling my phone and will be deleting my review. Everytime someone writes a bad review they add like 5 good reviews so yours will be pushed down. This lender is a scam. Don’t do it. If I could add photos I would as I have taken screenshots of them calling my phone. By Emily. Source.

Birch lending is the worst loan to take out. The interest rate is like 150%. I took out a $1000 loan and had to make two payments a month! Ridiculous…. taking advantage of people in need of a loan. By Shawana. Source.

They charge outlandish interest ($400.+) and only $1.00 goes to your principal!!! DO NOT borrow from these people because they are impossible to settle with as they hang up on you and will keep you on the phone forever. This is a tactic to collect another high interest payment and so you are unable to pay the full amount off. RUN folks, RUN!!! By Jane

This company is a shark preying on those that are desperately seeking that little bit of temporary help. I have paid over what my loan amount was and they stated *** only paid $1 each time towards my principal which is a load of c*** when theyve charged me $123 every 2 weeks. DO NOT GO EITH BIRCH LENDING AT ALL COST! By Crystal. Source.



  • Quick loan approval.
  • Convenient online application.
  • Fast fund disbursement.
  • Useful for emergencies.
  • No collateral required.


  • High interest rates.
  • Limited repayment flexibility.
  • Potential for debt trap.

Trust Birch Lending: 4.7 TrustScore and 87% 5-Star Speak Volumes!

Birch Lending is a trusted lending firm with a high TrustScore of 4.5 out of 5 based on 319 reviews on Trustpilot. Trustpilot has verified the company’s reputation. The reviews predominantly praise Birch Lending for its excellent service and support:

  • Customers highlight Birch Lending’s speed in processing loans, often with same-day deposits.
  • The company is commended for its transparency and clear communication about loan terms and costs.
  • Many customers express their gratitude for the friendly and helpful customer service representatives.
  • The company’s willingness to work with customers and offer early repayment options is appreciated.
  • Most reviewers have had highly positive experiences and would recommend Birch Lending.

However, there is one negative review expressing concerns about the interest rate and payment frequency. Overall, Trustpilot reviews affirm Birch Lending as a reputable and customer-friendly lending institution.

Is Birch Lending Legit?

Birch Lending appears to be a legitimate lending company based on the information provided in the customer reviews and its online presence. However, it’s essential to exercise caution when dealing with any lending institution, especially those offering high-interest short-term loans.

1 Review

  1. DO NOT get a loan by Birch Lending. We got a loan for $1,200. The interest is Extremely high we will be paying them back $5,000 back. If you have the money to pay back this much go for it but it’s not worth it!

Reviews are closed.