Lendcare レビュー 

After a year of being with the company, the rep I had who was inside sales and not even billing or the payment department, reached out to me and told me my interest rate increased by 10%! due to ONE MISSED PAYMENT, ONLY ONE, that was paid within a good time and it was also when they offered me the "HOLIDAY PAYMENT DIFFERAL OFFER".

The guy was extremely unprofessional, he did not send any documents to follow up what he said, he was extremely rude and his emails hardly made sense like I was speaking with a cave man.

When I called customer care, the lady was cutting me off as I was trying to explain things to her, she then put me on hold for 10 minutes so I genuinely gave up as I am not wasting my time talking to these people when their customer service has already shown to be disgusting.

I am extremely scared of this company and I DONT KNOW WHAT TO DO! Can someone help?!?!?

Add my voice to the bad service
Been trying to get ahold of them and they keep sending generic emails and nothing . I'm hard of hearing and keep saying i need to communicate via email.only. I love my purchase and needed it ... But they take advantage of people and figure they dont need to respond . Being backed into a wall I will spread this review every review website I can find . Though I'm sure there will be reprisals

I am extremely dissatisfied with LendCare’s lack of communication and their actions in deleting records of my attempts to reach out to them. In July 2024, I contacted LendCare regarding a loan I was misled into signing through Orogold Cosmetics. The loan was presented to me as part of a sales contract, not as a separate loan agreement, resulting in a lot of stress.

I followed up with LendCare both by email and on social media in July 2024 and again in January 2025, but received no response. What made matters worse is that when I shared my concerns publicly on Google and Twitter, LendCare didn’t just ignore me—they removed my posts and erased any trace of my attempts to contact them in February 2025. These records were clear, non-defamatory efforts to engage with the company.

As I continue with my small claims case against Orogold Cosmetics, I expected LendCare to be more transparent and responsive, especially given their involvement in the loan process. Instead, their behaviour has shown a troubling lack of accountability and customer care. I would strongly recommend caution when considering any financial agreements with LendCare, as their customer service leaves much to be desired.

Terrible company, if you are so desperate for a loan that you are considering lendcare, just don't do it.

I won't bore you with my experience, just trust the terrible ratings they have on Google and on trust pilot.

Scammers

Got a loan through these scam artists. Powersports put me with them, and then refused to even tell me who the loan was with until they had already started taking out payments. They even lied to me about what company I was financed with. They took out 3 payments before I even received the Trailer which was destroyed with all frozen pipes. There is easily $5000.00 in damages. Powersports refuses to deal with me and Lendcare says they don't care and to just make the payments anyhow. They did what they called a "promotional deal" which was supposed to give me a minimum $3000 back, then said after the fact that they couldn't. They did however add it to the principal of the loan and just kept it. Talked to Lendcare about it, they hung up on me twice, told me it was not their problem. I never received the goods in working order and refuse to pay for the destroyed trailer. I do not recommend using this company for anything, they should be shut down.

i would never recommend this company for a loan. They randomly take money from your bank whenever they want. They have cause my account to go in overdraft $800.00 and i eventually had to close the account. They do not call back or take responsibility for what they have done. Once my car loan is paid off i will never use them again..terrible terrible.. If i had a choice i would not even give them 1 star

This company is a rip off do not deal with them! Go to the bank and get a loan the interest is just about 50% in finance charges.

Terrible Experience with LendCare – Avoid at All Costs!

If I could give LendCare zero stars, I absolutely would. My experience with this company has been nothing short of a nightmare, and I feel compelled to warn others to stay far away. From the moment I started dealing with them, it has been an endless cycle of frustration, misinformation, and complete lack of professionalism.

First and foremost, their customer service is beyond terrible. Trying to reach a representative is like pulling teeth—long wait times, multiple transfers, and when you finally do get through, you’re met with unhelpful, clueless agents who seem more interested in getting you off the phone than actually resolving your issue. I’ve had to explain my situation over and over again, only to be given conflicting information every time. The incompetence is staggering.

On top of that, their lack of transparency and shady business practices are alarming. Fees and charges are never properly explained, and they seem to conveniently “forget” to mention critical details until it’s too late. Hidden fees, unexpected charges, and unclear terms have made dealing with them a complete financial headache. It feels like they’re intentionally trying to trap customers into paying more than they signed up for.

Their payment system is unreliable and outdated, causing unnecessary issues and delays that they refuse to take responsibility for. Even when payments are made on time, I’ve received notices claiming otherwise, leading to unnecessary stress and wasted time trying to sort out their mistakes. And don’t even think about getting a clear answer from their support team—every person you speak to will tell you something different.

To make matters worse, LendCare seems to have zero regard for their customers. They are quick to demand payments but painfully slow when it comes to providing any real assistance. They show no empathy or willingness to work with customers when issues arise, instead resorting to generic, robotic responses that do nothing to help. Their attitude is cold and dismissive, making it clear that their only concern is squeezing every last dollar out of you.

I have never dealt with a company so poorly managed, unprofessional, and downright frustrating as LendCare. If you’re considering using their services, do yourself a favor and look elsewhere. This company does not deserve your time, money, or trust. Save yourself the headache and go with a reputable lender that actually values its customers.

I hope this review helps others avoid the same nightmare I’ve had to endure. LendCare should be ashamed of how they operate, and I will never recommend them to anyone.

One star is Generous.
We have a loan for our camper through Lendcare, they are the worst finance company i have ever dealt with. In August we changed our payments from bi-weekly to semi monthly. After we changed it instead of the semi monthly payments we asked for, they started taking semi monthly AND bi-weekly causing our bank account to consistently go into the negatives and charge us NSF fees, plus accumulated NSF fees on the finance end of it which is $75 + $45 with our bank. This has been going on since middle of august to beginning of January. We have spoke to them, and they say they can't help it as it's an automated thing that they can't control. My husband threatened in November to put a stop payment on the account and start paying by EFT.
Fast forward to last week, we changed banks as there's been over $1000 in NSF fees and we are just done at this point. I called them to make payment over the phone with our credit card, or even by EFT. They stated nope we don't allow any other form of payment other than direct from your account which i call BS as its an open loan so we can make extra payments if wanted. I asked for a statement of account as they were trying to say we were behind a payment when we have never missed the SEMI MONTHLY payment that we switched it to (email proof as well). The next day, I receive an email from them with a letter attached stating our loan is paid off in full and we no longer have any obligation to any outstanding balance. I have been trying to get ahold of them since last week and still nothing back and I'm unsure what to do now??? We still had a $19,000 balance as of 30 days ago so it's definitely not paid off. I have been doing everything over email as I refuse to do it over the phone because they will say one thing on the phone and then a completely different thing over email so I'd rather have the proof for future if needed. I am heartbroken for every single person that has been a victim in this crime of a company, and something needs to be done to put a stop to them!

I need help how to to deal with Lend Care.
They are keep taking money our and do not give any record of my payments that how much I owe. Is there a government body where I can complain and resolve the issue I have called them many times but no response.
Thank you

They are the worst kind of thieves, in my opinion and ought to be completely avoided I lost patience but Pol!Ruckens helped me get my money back.

Back i September i missed a payment by 1 day and have a contact number to call... then my interest rate went to 26% to 36%... they offered to return to 26% if I purchased some sort-of loan coverage for $32 a payment over rest of the term of my loan... which works out more than my purchase...

Stay away from these clowns. Keep taking payments out whenever . Sometimes 6 times a day. Different amounts. These clowns will no longer have my bank account info. Had to go into conser proposal. Because they messed up so much of my life. Still they insist on taking payments. STAY AWAY FROM THESE CLOWNS 🤡!!!!

A payment was taken in error, when I sent in the credit card statement showing two payments. One payment at the end of September, and a second payment the first day of October. I emailed customer service a copy of my cc statement, customer service advised that they would be in contact with me in 5 business days. I did not receive any follow up. I contacted the accounting department to confirm that they had received that payment. I was informed that there had been no payment made on that account. My October payment was taken out at the end of the month as scheduled. I disputed the charge on my cc as a double payment and the payment was returned. That is when the story gets really looney tunes. I started getting calls from the collection department for my missed payment. I advised that they needed to contact the accounting department as that payment was made on the first of October. I received so many called from that department that I eventually blocked their number, as the collection department called so many times in one day that is filled up my voice messages twice. I advised their department that they needed to speak to the accounting department as I had sent them in a copy of my cc statement. I have spoken to customer service about this issue at least 5 times, and never the same person. I have asked to speak to a supervisor each time, but apparently they don't have one. Now lendcare has taken two payments in November and a payment in December that is not even close to my scheduled payment date. I am going to find out who governs this company in Ontario so that I can file a complaint.

this company does not even deserve the 1 start I am having to add here ! My son has a car loan with Lendcare (his 1st car) he had no issues until an issue with his bank that caused a payment to bounce, he called them the very next business day where Lendcare took his payment over the phone, that same week they went into his bank account 3 times for that same payment, after speaking to an employee he added his new banking info for his payments, fast forward to his next payment date, he checks his new account and there is no money taken, checked his old account and there was the withdraw ! He called Lendcare about it and they responded that is too bad, you still have to pay our NSF fee ! he ended the call with that employee as she was so rude and the next day called back and got another employee who was great with helping and scheduling a date for that missed payment ! fast forward to the day after that planned date for the payment +NSF, they DID NOT withdraw the discussed payment amount, they went in and took his regular payment 2 times ! He called right away the first 4 employees hung up on him, and the last one he spoke with told him they took out the 2 missed payments ! The bank is thinking it is going to be impossible to stop them from taking more unauthorized payments as even putting a stop payment on the amount of the original payment amount, does not stop them from revising the amount even by 1 cent to pass ! The only option is to cancel the current account and open a whole new account ! Reading all the reviews and experiences from others, and watching my son go through this with Lendcare is horrifying to say the least...

Stay away the worst people to deal with they lies and takes your money.
I was told one thing and the next thing the person change there mind after I made a payment and I got an email saying I will not have pay for December month but the payment came out anyways

I took my cat to the vet. It was expensive. Luckily the vet clinic had a payment plan option. I applied and was approved. It was through Lendcare. My payment was a little over $18 per month. I had it come out of my account every month automatically.

Everything was fine for about 6 months until my bank account was the victim of fraud/identity theft. My bank had to immediately shut my account down and I had to go into the branch to open a new account. This occurred at the same time as Lendcare attempted to take their payment. I was unaware that it didn't go through since I had no access to my old account.

Two weeks later, my phone started ringing off the hook. Over and over agin. I didn't recognize the number and worried about getting scammed again (since I think this is how the fraudsters got me last time). The calls started happening every 5 minutes. 52 calls in one day. I finally answered. An awful man told me that the $18 had bounced and that I now owe a $95 NSF fee. I told him I wasn't paying it. I wasn't even sure the man who called me was legit. After losing my cool on the phone with him and hanging up on him, I called back with the legitimate number I have. Another person helped me. I needed to provide the new account info and an error letter from my bank and send it via email. I did as they asked. Then my phone kept ringing over and over again from Lendcare. When I answered, they'd hang up. Over and over.

The next 3 days in a row, I was called several times a day, each time they're unaware that I've already been called. So far, I have now sent the new banking info and error letter five times.

Today they told me the letter from my bank is not accepted and that I will owe $95 in NSF fees. They say it now needs to be stamped and dated. Now I have to go to my branch to do that. They're making it difficult on purpose, I feel.

I have a feeling they won't accept the STAMPED letter either. My phone is still ringing all the time. The saga continues.

They're smug, relentless, awful to deal with, and I just learned they charge more than 50% interest for poor people.

I am going to pay off the balance of my loan, be done with them, and spend the rest of my days telling people to avoid them.

Avoid this terrible company. You've been warned.

Worst Lender I ever had. Worst Lending rates, worst service, Never get a loan with Landcare if you can avoid. Steer away like the plague.

One star is being generous been trying to get a hold of micheal in billing for the last 2 days i have been put on hold for a total of almost 100 minutes they say they will work with you but they just put you on hold hoping you will hang up poor customer service we want to work with you but we ignore you and then when you explain you have been on hold they just put you back on hold