Lunna Loans レビュー 

Unfortunately, I fell for this scam. I was at a low point and reached out to Lunna for a debt consolidation loan. They said I didn't qualify for the loan but they could help me with a payoff/reduction plan. I was hooked when the guy on the phone, Jason, indicated I would be debt free in 2 years. After this interaction I never heard from Lunna again. I only dealt with Concordia legal advisors and Forth. I honestly had to dig back through my email box 3 years ago to figure out the name of the company I originally dealt with. Still, I trusted they were settling my debts but 3 years into the plan, they'd only settled one. I ended giving them around $20000 to pay off a $6000 debt. I believe they hook you by immediately settling one creditor to make it look like the plan will be effective and then just syphon money from you. My combined total debt was around $20000. I could have paid it in full on my own. 3 years later, my credit is ruined and I had to withdraw from my 401k to settle the other debts. Please do not fall for this. Work directly with your creditors. This company will just make your situation worse and cost you thousands. Good luck with your credit journey and steer clear of Lunna. *update*
From what I can tell, Lunna is out of business now. I have no idea who was supposed to be "negotiating" my debts. I know I only dealt with Concordia legal advisors and Forth after agreeing to this scam.

I've been with lunna Loans for about 14 months. I received a couple of e-mail from them stating the reached a (settlement) with my largest debt and were asking for approval. I told them ok. Have not heard since. That was about 8 months ago.
I recently received a summons for a low debt. When trying to call lunna Loans to let them know. My calls were immediately disconnected. The phone would ring once then disconnect or it would have a message that number is not in service. I've tried having a 411 operator finding lunna Loans in Costa Mesa but they have no listing. I've also tried to have my son call with his phone,but he got the same results has I did.
I've also e-mailed them at there suggested e-mail and not receiving any response back.
I'll try any find other ways to contact them, but I'm not holding my breath.

I had a great experience with Lunna Loan. The staff were so helpful and walked me through the whole thing. It made the loan process feel very easy and totally stress-free.

I recently checked out Lunna Loans and overall had a very positive impression of how they handle loan applications and support applicants.

Everything related to the loan was clearly mentioned, so there was no hassle. The loan processing time was faster than expected. The process of submitting the required documents was very easy. The customer support assistance and user-friendly service both gave me a different experience.

I recently made use of Lunna Loans, and I had a great overall experience. The application process was simple, quick, and completely transparent. Their team guided me through every step and clearly explained all the terms, which made me feel confident and secure.

My experience with Lunna Loans has been outstanding from start to finish. Their process is clear, efficient and genuinely customer-focused. I received timely updates, professional support and complete transparency at every step. Overall, a reliable service that I would confidently recommend to anyone seeking a smooth and trustworthy loan experience.

If you mis-represent the initial letter, and waste my time, it will be one star all day.
1. Loan offer? / False: Pushed for Debt consolidation after asking me what I needed the money for (none of your business by the way since you contacted me via mail).
2. 4.5% APR / False: Unwanted Loan Consolidation was 4.9% ( Don't act like you are doing me a favor, this is offensive).
3. Pushy Sales tactics. Finally had to block the email address and phone number. After I ran the numbers, it was simply cheaper for me to pay everything off my self in 14 months instead of having Lunna stretch me a period of 5 years (even if there is not penalty for early payoff).
4. Started getting unwanted phone calls from other debt consolidation company's after dealing with Lunna Loans, although I am on the "Do not call register". Coincidence? I can neither confirm or deny.

Horrible hace 5 meses están cobrando su dinero y no me han ayudado no se comunican conmigo ni saldaron las tarjetas el servicio ha sido horrible ni una carta me han enviado . Y los acreedores y mi crédito se dañó por completo son unos irresponsables .

Impeccable customer service made up of professionals in the field. 3 months ago my loan was granted to me. I wanted this loan for the purchase of a new car. I was more than delighted with their know-how and very amazed at the attention they only gave me during the whole process. The speed in the processing of the file seemed to me so surprising.They advised me and with the different repayment possibilities, I know that I will be solvent. A hello on the way to David who has been a great support to me and who always keeps asking about me. I thank you all !

I had a wonderful experience with Lunna and its customer service. They were treating me like I was not alone. I was so depressed and your company made me feel less anxious. I owe a huge shout out to everyone person I spoke to. Thank you again for everything!

Very professional and exceptional. It took just about an hour to get it all done.

They have a good system that allows most of the stuff to be filled out and submitted online. The process was very streamlined and convenient. They took the time to answer questions and gave me time to decide on the loan options. Great overall experience.

Beware of Lunna Loans – Deceptive and Dangerous!
Stay far away from this company! They masquerade as a legitimate lender to lure you in with false promises of a loan, only to push you toward default and debt settlement—without full disclosure upfront. Their true goal? To collect the minimum payments you’re already making on your debt while gaining access to your personal and financial information.
What’s even more alarming is how they handle your sensitive data. They collect your name, address, Social Security number, phone, and email—potentially through virtual assistants (VAs) from overseas! I know of someone who ended up homeless after an overseas VA stole and sold his identity, leading to fraudulent withdrawals from his bank account via PayPal.
If Lunna Loans were a legitimate company, they would only offer debt settlement to those already in default—not prey on responsible borrowers with deceptive loan offers. This is outright fraud and theft! The government needs to intervene, and I will be filing formal complaints with all regulatory agencies.
Protect yourself and your finances—avoid Lunna Loans at all costs!

Jason Pacios was an exceptional representative that was very informed, patient, and considerate with my questions about the process. I learned about more opportunities with Lunna Loans than I previously knew existed and that were a better fit for my circumstances. He's beyond knowledgeable and was a great asset to me deciding to do business with Lunna Loans! Thank you!

Yes Maryann was very thoughtful very kind very helpful helpful very professional enjoyed every moment of conversation I had with her very refreshing to talk to a agent with that kind of personality

Relations with MaryAnn Ramirez was Wonderful. I truly appreciate you expediting my consolidation goals and facilitating a seamless application procedure.

I need a loan

As a 25 year old struggling with credit card debt for the first time, Cesar made this whole process seamless and digestible. What is supposed to be a daunting experience was made simple because of him. I asked a billion questions and he answered them all calmly and informatively. Would highly recommend.

It was really beneficial that I was able to obtain a loan. They provided thorough answers to each of my questions. They answered with great patience.