Reach Financial™: most-reported complaints
Automated analysis of 372 public Trustpilot reviews published 2021-05-24 to 2026-09-24. TrustScore 4.9 from 3,137 total reviews — see the Trustpilot page. Quick answer: is Reach Financial™ legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report issues categorized as 'Other,' accounting for 28% of the 46 complaints identified in 372 reviews. Billing errors are the next most frequent concern, cited in 20% of complaints with a rising trend. Overcharging and misleading pricing each represent 17% of the reported issues, with the latter showing a falling trend.
How to reach Reach Financial™
These are the contact details Reach Financial™ publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 800-606-8200, email [email protected].
The company claimed its Trustpilot profile on 2022-05-09, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-23. Trustpilot ranks it 8 of 103 in Financial Institution. We last checked this profile on 2026-09-24 and found 15 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Elsewhere: 4.8★ on Google (677 reviews)
TrustScore over time
4.9 → 4.9 across 13 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-17 (55%, 6.5d) · 2026-08-20 (55%, 6.5d) · 2026-08-24 (58%, 6.5d) · 2026-08-27 (58%, 6.5d) · 2026-08-30 (58%, 6.5d) · 2026-09-02 (56%, 7.0d) · 2026-09-08 (53%, 7.0d) · 2026-09-11 (53%, 7.0d) · 2026-09-15 (50%, 7.0d) · 2026-09-18 (50%, 7.0d) · 2026-09-21 (48%, 7.0d) · 2026-09-24 (50%, 6.4d).
Severity: 54% of this company’s 46 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 1.7 days between the experience and publishing their negative review (49 reviews record both dates).
Measured reply time: across 37 negative reviews that received a public reply, the median wait was 7.3 days — the company profile reports an average of 6 days.
Reply quality: of 37 company replies to negative reviews analysed, 27% engaged with the specific problem and 46% were generic templates.
53% of its 305 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: other makes up 28% of this company’s complaints vs a 22% median across 249 ranked companies in its sector.
Review velocity: 1,124 of this company’s 3,137 Trustpilot reviews (36%) were written in the last 12 months.
What are the most common complaints about Reach Financial™?
Other
13 reports · 28% of complaintssteady“Steer clear of this shady company!!!”
The company replied on 2022-08-11: “We’re so sorry to hear about your experience, and we want to thank you for sharing your concerns with us. As part of the application process, we require documentation for purposes of verifying your…”
Our classifier read this reply as a deflection.
2 readers marked this review helpful on Trustpilot.
“I immediately received a notice that I was not approved at this time and to reapply in 30 days.”
The company replied on 2022-08-11: “Thank you for bringing your concerns to our attention as we take all customer concerns seriously. Initially, a customer is required to complete a soft credit inquiry to determine if they can proceed…”
Our classifier read this reply as a substantive response.
2 readers marked this review helpful on Trustpilot.
“I suspect they saw how old I was and figured I might die before I could pay them back.”
The company replied on 2024-12-12: “We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday and our phone number is…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
Billing errors
9 reports · 20% of complaintsrising since 2025-11“removing money from my checking account after they were told to stop auto debiting my account and did so any way.”
The company replied on 2025-01-10: “We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“I had to take another loan to pay them off. When I scheduled a pay off they told me it had gone through. 30 days later I get a text that it hadn't.”
The company replied on 2026-03-19: “We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is…”
Our classifier read this reply as a template response.
“Had payments charged full interest and none to principal a def. Way to screw over.”
The company replied on 2026-02-03: “We’re sorry to hear about your experience and appreciate you sharing your feedback. We understand how frustrating it can feel when loan payments don’t seem to reduce principal as quickly as expected.…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Overcharging
8 reports · 17% of complaintssteady“they want to pay off your credit card loans but they have APR of 32%. Are you kidding me?”
The company replied on 2022-08-11: “We appreciate you bringing this to our attention, and we are very grateful for the opportunity to respond. We’re sorry you didn’t like the loan offer we were able to present, but glad you were able…”
Our classifier read this reply as a deflection.
2 readers marked this review helpful on Trustpilot.
“Reach had already paid most of depth collection. Had I known the 36.6 interest rate before hand”
The company replied on 2025-02-27: “We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“Their interest rate are predatory (25%+).”
The company replied on 2023-01-26: “Thank you for bringing your concerns to our attention. We apologize if you feel that our interest rates are too high or that we have been predatory in any way. We strive to offer fair and transparent…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Misleading pricing
8 reports · 17% of complaintsfalling“they lied about the amount that I would have to pay back. For 5800.00 I would be paying them back nearly 9000.00”
The company replied on 2022-08-11: “We’re sorry to hear about your experience, as this is not a typical experience our customers have. Customer satisfaction is our number one priority, and we have reached out on multiple occasions to…”
Our classifier read this reply as a deflection.
2 readers marked this review helpful on Trustpilot.
“She failed to mention the DAILY COMPOUNDING INTEREST”
1 reader marked this review helpful on Trustpilot.
“High interest rates and wont assist in lowering it”
The company replied on 2025-02-07: “We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
Aggressive collections
7 reports · 15% of complaintsrising since 2025-11“Reach had already paid most of depth collection. Had I known the 36.6 interest rate before hand”
The company replied on 2025-02-27: “We welcome the opportunity to speak to you in greater detail and address your concerns. Please feel free to contact us between 8:00 AM to 8:00 PM EST Monday through Friday, our phone number is…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“causing Irreparable damage to your credit.”
The company replied on 2022-11-02: “Hi Perry, We’re hoping to clear up any confusion. We don’t provide debt settlement services. Instead, we provide personal loans for purposes of debt consolidation. Please feel free to call…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“this company immediately went after her estate for a debt consolidation loan”
Support unhelpful
6 reports · 13% of complaintsrising since 2025-11“Borderline predatory lending. Not upfront with loan specifics. Can't answer questions.”
The company replied on 2026-06-25: “Thank you for sharing your concerns. We appreciate the opportunity to respond. During the loan application process, customers are provided with the opportunity to review the estimated Truth in…”
Our classifier read this reply as a deflection.
“That is an INSANE amount of interest. I see it as they are more worried about making their own money, not saving you money.”
The company replied on 2026-01-16: “Thank you for sharing your feedback. We’re sorry to hear about your frustration and appreciate the opportunity to clarify. We offer fixed-rate, amortized installment loans, similar to a mortgage or…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“it's been 5 days and my creditors are still not paid.”
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-24.